If I could give negative stars I would. We paid off our vehicle almost 4 yrs agob and received our title. All of a a sudden it shows up on our credit report as a charge off stating the account was in a negative standing. When questioned we received a letter stating the payment we made in September 2017 was returned and we would not receive our title until the account was settled. Uh hello the account was settled almost 4 yrs ago, the same time we received the title. DO NOT DO BUSINESS WITH THIS PLACE, THEY WILL TRY EVERYTHING POSSIBLE TO GET MONEY THEY KNOW THEY'RE NOT ENTITLED TO.