5 /5 Kittie Richards: Its weird to hear a lot of negative reviews, after 22 years (2003) I have never experienced any bad issues. My mortgage go up a little but thats because my taxes & homeowners insurance go up dont like it but that fight is with the city or town & insurance co. Never missed or was late with a payment, so most problems are with people not paying or late, send your payment as soon as possible. I know times are hard for all of us, but customer service cant change the rules that these big corporations put in place. They just work there & most are probably going thru the same thing. This is 2025 & it might get worse, good luck to all