An absolutely fraudulent company. My 2015 tax return got intercepted by the IRS because this company fraudulently claimed they wrote off a "gift", (which I paid off & settled in 2013!!), and reported a 1099c to the IRS. But, I never received a copy of this 1099c & have the receipt of payment to these clowns. F..DFS. They suck and have horrible reviews and is impossible to get a hold of an employee!!! BOYCOTT DISCOVER!!!