Original review updated by user May 21, 2021 I got behind 4 years ago. When I caught up there were late fees. The rep on the phone said NOT to pay them just stay current which I did last payment was made in February 2021, and they sent a final bill which was paid 2 weeks later. Now 5 months later I realize they sent a late pay to my credit report for my final 2 payments. How is that even possible? Some reports show 1 late others show 2. It seems to me they make it up as they go! User's recommendation: Avoid at all costs. Ive been Mopar my whole life but Fords looking alot better now.