Monterey Financial has extracted a late fee from me even though I have paid them on time. They have stopped my access to my educational program due to stating that my payment was late however they have received my first payment plus late charges and still I do not have access to my class. I have paid them off in full {$2700.00} yesterday but I still do not have access to my class at careerstep.com. I was treated like a criminal even though they did not mail me my loan documents or give me any copies of my financial agreement. I tried to set up a payment system with them thru my bank, XXXX but they do not process payments in a timely manner in order to extract late fees. They should be charged for bank fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 
