Every time I call customer service I spend a couple of minutes going through the call tree, then placed on hold for like 5 minutes and then hung up on. If I do get a person they direct me to send an email then hang up. There was no is there anything else I can help you with just a click. If the call drop they had my account information they could call me back but did not take that initiative. It is bad enough this company put a lien on my home without my knowledge of it. I did not discover it until I attempted to refinance my house. If you can not issue credit based on a customer;s credit worthiness then you do not need to be in the credit granting business. Putting a lien on a home doesn't guarantee payment if the house goes into foreclosure. The mortgage will get paid first and if there is anything left you may get paid if you are even made aware it went into foreclosure.