There were fraudulent charges made with my account. Called quadpay weeks ago and they said it would be taken care of. They did refund the charges but there are more installment charges from that purchase they didn't put a stop to! I keep calling today and the automated message says "press 0 and wait 10 seconds," but then it hangs up on me! They also locked me out of my own account! User's recommendation: Don't Use this company!