There must be someone to contact in regard to how emerge runs their customer service. I believe the system is set up so that payments do not post timely, billing address changes are not implemented in a timely manner, and customers can not talk to a real person, only the automated system.
They now charge for online payments! Saving them even more money and earning them more money, there is something very wrong when a company can get away with treating their customers in this manner. It is phone hell trying to get through to a person to talk to, if you can even connect with the automated system. Too many times you can not connect with their online service. The online information is just for making payments and seeing your total owed/paid, not purchases made or any other information.
As far as I am concerned this is the worst run company I have ever had to deal with, but they are making money and so will not change their ways and evidently they do not have to change their ways by law.