Why is there no recourse for people getting ripped off by this company, or whatever it is? I just went round and round with a person from India. I think I got the late fee removed, but after reading these comments, who knows? It happened because of their idiotic web site, which has you turning the auto pay off and on. This seems to me to be a total ripoff, for unsuspecting customers. You make an extra payment, which somehow turns off the auto payment? Come on! I do a lot of online payments, none of the other sites are set up to screw you. Who has control over these practices?