My mother has a car loan with member one since 2014 there were at times when she fell a month behind but got it caught up and current the next month. At 1 time she was actually paid ahead 2 months. When those 2 months were up she was now current. So she makes her payments but somehow member one says she is 2 months behind. So in February 2018 she made a double payment because she had a little extra money. March she made her payment april she made her payment may and june as well. She gets a letter in the mail stating she 42 days past due. How is that even possible with all the payments and extra payments she made. So my mom calls customer service and is talking to Miranda who tells her she owes for June and now July. The next customer service person Taylor a supervisor of sorts tells her no she owes for may jun and now july and she had to make at least 1 pmt by August 1 and then the other 2 by the 3rd of August. So she called the consumer protection agency and explained what was going on they told her they broke several of the consumer debt law. Oh and they still have her dead husband on the loan as the main person even though he passed away in 2015. When she called in tbe 1st to make her pmt Miranda refused to accept the pmt she said they all had to be made at the same time . My mon told her that is not what Taylor told me she said welk i don't know what to tell you. So my mother called back to the consumer protection agency and they did a conference call with the agency that over sees credit unions and they got her a lawyer. The lawyer told her they can not refuse to take a payment. So she called back on the 3rd to make the payment they again Miranda refused to take her payment that was the full amount. The lawyer told her by law she only had 2 make 2 payments not 3. She told the lawyer they refused her payment again and said they were going to start repossession procedure. However the consumer protection law says that a bank can not refuse a payment and repossess the car it also states if they accepted late payments before they also could not repossess the car. So they have violated several of the banking laws along with the consumer protection laws. When my mom told Miranda that she has an attorney and told her how she got him and the name her response was you will be hearing from our attorneys today. So my mom called her lawyer and told him he said good give them my name and number needless to sat no one called her. But now she is worried that her car will get repossessed and she will lose her job.. I have heard this same type of story from several people. My advice never deal with Member One..