I have been charged my monthly payment twice in one month more than once. Each time has been the fault of the company and they give a hard time for the additional charge to be refunded. The process takes at least a month, in which the next payment is due so the refund becomes pointless. This throws off the budgeting for the customer. Additionally, no one ever seems to have an idea of how to resolve the situation, although they can see an additional payment was charged. When the refund is finally approved, it is sent as check through the mail which makes the process even longer and more inconvenient.