1 star is definitely too much for them! I have never been late. My payment was due on the 15th. I called them 2 weeks in advance to give them my HSA card to have my payment charged and told them the money wouldn't be available until the next day. The 16th. One Day later! On the 15th they attempted to charge my HSA and payment was declined. They started off that morning of the 15th with an email at 7am letting me know my payment was declined and to call immediately to make a payment. By 9am the company called and sent me a text message. Mind you the payment was not late. And I had given them advance notice the money would not be available till the 16th so this is an error on their end not mine. I responded to the text stating the money will be there the 16th (next day). Person texting was rude and said there will be a $25.00 late fee. I said 'whatever the money will still not be there till tomorrow' she/he continued to text me. I told them to stop harassing me and blocked the number. The payment went through the next day (they made sure to include the late fee). I must be their only customer if they get so stressed over a payment that wasn't even technically late. I have NEVER had a company Email, text, call all within hours ever. This company is so unethical and I will NEVER do business with them or recommend to anyone. This are discussing place and should not be in business. Most unethical company EVER! Bunch of SCAMMERS!