The most unethical financial institution that I ever heard of. My car that was financed throught them was deemed a "Total Loss". I had GAP insurance and it was to pay the balance between car's value and the amount owed. They took FOREVER to file the claim with the third party GAP Insurer and expected me to make payments still on the loan, although I had no car and they signed the title to my auto insurance company. They ruined my credit and are very nasty. They did not cover the entire amount and say I still owe $500.00 but want $1000.00 to settle it. I have Autism and this is very stresful for me.