I have been with HFS for TWENTY years. I had purchased two vehicles and leased 5! During the COVID-19 crisis, I was recently late on a payment. In TWENTY years, I had NEVER been late on a payment, and yet, they were totally unforgiving. I was 30 days late and they immediately reported it to Experian. They were totally unforgiving. They state on their website that they are there to help customers who are facing hardship through COVID-10, but apparently not customers who have been making business with them this long!