LESS than one frigging star is what you deserve. I paid much more than the $25 required. $100 - 200 at a time. Then Covid almost got me, a payment was late (?), you complain to the credit bureau, knocked my credit score a little too low to get my house. I get HOT, use your ignorant worker to screw up entering my routing & bank account in, resulting in non payment. You don't INFORM me of the problem until TWO-months later. I DON'T even want to talk to ANY of you crooks. You're NOT getting anymore business HERE.
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