Bought a dress a year ago made payments from same acct for a year. All of a sudden 4 months ago they are claiming there was insufficient funds in my acct. When I contacted my bank chase is saying they never tried to withdraw any $ in the last 4 months. Appealed with Venus Just got letter saying it was denied and Venus is right They ruined my credit and refuse to fix it. I will never use them again and will be reporting them to the better business bureau.