They turned a $5500 car into a 22k note. Every time you make a payment by debit card. . .they charge you. The send whatever blame back and fourth between their finance partner(United Autogroup) They don't acurately report your credit. They r eally take advantage of you . Expensive advantage. Even though I have kept that car up....nobody is going to offer anything worthy of trading it in. ......I got stuck!