Direct Capital is constantly overcharging me for things they do not disclose. I am frequently paying for stop payments because they all of the sudden just decide to double my payment. I have proof of this. They keep adding charges. Whatever you do, do not work with them or lease anything. Also, I have left numerous messages and no one ever calls me back in billing, sales, or any other office I am referenced to. The customer service is absolutely horrific at Direct Capital. I am filing former complaints with the BBB and any other consumer advocacy group I can find. I strongly advise that you do not do any business with this corrupt company. They make false claims and promises all the time.