I've been dealing with banks for twenty years and never had problems at all. This bank is so eager to charge off and take you to court that it's super mysterious. My loan was more than half paid off and I was getting a summons to court every month to threaten me to pay despite me offering three different ways to do so when I fell a bit behind due to legal fees and divorce. Instead- they would only accept a phone call with permission for a one time payment on someone's voicemail! Absolutely insane. Never will I do business with them again.