I believe they over charge on my bill statement ... I pay every month but they still charge me for late charge ... I paid extra for my insurance every month but now they still bill me .... 
My payment used to $ XXXX/month ... .now I have to paid $ XXXX/month just for extra insurance, but i 'm ok with that until now ..they just sent me a note of default and intent to accelerate {$2100.00} have to due before XXXX XXXX 2016 .... I do n't know what that for? 
