I just found out my parents who has never had a late payment ever in their life was two days of paying due to the fact my father was sent to the hospital & we thought we were going to loose him so my mother stayed overnights at the hospital, & my brother & I would take turns driving home to get whatever my mother needed, long story short, our only concern was for our father to recover. so everything else was secondary. So after all was done when my mother who is in her 70s returned home was two days late & noticed that the rate increased, so she tried calling & everyone kept hanging up on her & that was that. I did not believe story, so I myself tired to get this resolved & they hung up on my four diffrent times within 45 min. They made so much money off of my parents in their late 70s..& still tried to make more money during a life & death situation and only two days late with never being late ever in a liftime..I could not believe this could happen in USA, I who really does not cry left with tears that they could do something this tragic to my elderly parents.