I am current a customer of KMF and they have the worst service. Mind you I am a current paying customer for over 1 year, every single payment I have made has been on time of before the due date. They double charged my account and when I made them aware of the double charge and they told me they would refund me a check by mail that would take 10 buissness days, this company runs on ancient software and does not have any form of customer service, no empathy. By far the worst company I have ever dealt with and I myself work for a finance company and understand the service required and they are beyond below that standard.