KMF is the epitome of deception, and king of shady business tactics. The manufacturing division has much to be proud of; but they need to jettison their finance arm and quickly. Two months before lease end, KMF after years of recognition on line of my checking account decided to not process my profile online payments (after a stellar payment history spanning 3 vehicles since 2010) in order to rack up superimposed late fees and transaction charges through their SpeedPay and Western Union surrogates. They have ZERO integrity and have willfully ruined my excellent FICO and good credit scores, while ripping me off. Seriously considering starting a class action lawsuit! TRUTH IS THEY DESERVE LESS THAN ZERO STARS!