Incompetent! I called them after being affected by Hurricane Ida and let them know I was temporarily out of work because my office had to close due to damage and does not allow telework. I said I'd be able to pay in 3 months. They noted it and said it'd be fine. I called them to make a payment less than three months later and they had closed my account for non-payment but admitted the previous conversation in the notes. Every time I call to do something basic, they take 20+ minutes. The website would let me confirm thru had my new bank account number and I needed to talk to them. They bounced me around for 30 minutes despite it being a basic question. I asked to confirm auto debit and the guy was confused saying "it's not called auto debit". He knew what o meant. I've gotten better customer service from low budget banks for people with bad credit.