Well, my issue is a form of payment. I have always been very uncomfortable with allowing debit payments to come out of my account. I have recently gotten over it, but I typically prefer to call in my payments for my bills (not just with TF), as that works better for me. Well, there was a time where I did not have an initial issue with TF as I could call in my payments to pay for my vehicle. Now, you are no longer allowed to do that unless you are in default status. It is more convenient for me to call in my payment instead of having you all take it out of my account. I thought about mailing the payment in, but it would take too long and then the collection calls would start and I do not like that either. I will change my rating once they allow for individuals to call in their payments.