Regarding my vehicle loan, my monthly payments are setup as an auto-withdrawal from my bank. After talking with a representative, and following instructions in the automated phone system, I sent a check to make an extra principal payment. I enclosed a letter stating that was the purpose of the check and wrote "extra principal" on the check. Did they apply it to the principal? No. Instead, my monthly payments have been reduced until the extra payment has been used up. I would go to my local bank to refinance the remainder of my loan but, based on other comments here, I'm afraid they won't take it and I'll be making double payments. Unless something can be done, I've decided to just let the loan run its course. I've also been unable to receive a full statement of payments made. After three requests, I received a printed statement showing only the most recent payment. Citizens One is one of the worst companies that I have ever dealt with and I share that belief ever chance I get. I've also shared this with the car dealer that connected me with them.