I had left checks for them to cash on a monthly basis and they had not processed them. I called my bank to verify and no withdrawals where taken. I drove to location to find out they misplaced the checks. So I paid what was owed and then asked for a pay off and came back the next week to pay in full and close my account. The representive said it would not show on my credit report and 30 days later it showed a 30 day late pay. I'm *** and will file a report to the B.B.B. My contact info is t**************@aol.com