text: HellonI have a car loan with AZ Federal and double up on my payments Today is i am paid until July get a phone call today demanding instant payment with a surcharge or get a late fee of Remember I am already paid upbut I gave them another phone payment today paid till August now as they say this is in my contract that I must make regular payments To SUM up I pay my debt early and get Penalized for doing soVery rude staff they no nothing about customer service Would not give me information as to who regulates them Run AwayNever Do Business with AZ Federal I will payoff and close the car loan and savings account Bad Experience