Central Electric Cooperative is an energy company headquartered in Parker, PA. The cooperative was originally started in 1937. Pennsylvania is known for long, cold winters and hot, humid summers, so paying your electric bill can be difficult during peak seasons.

How to Pay the Bill

If you need to pay your Central Electric Cooperative bill, choose one of the following options.

Pay online: After registering for online account access, you can pay your Central Electric Cooperative bill online at https://ebill.central.coop/css/. Credit card payments are accepted online.

Pay by phone: Call customer service at 1-800-521-0570 to process your payment by phone.

Pay by mail: Checks and money orders can be sent via mail to:

Central Electric Cooperative
PO Box 329
Parker, PA 16049

Pay with BillFloat: BillFloat accepts payments up to $200 for Central Electric Cooperative customers at https://www.billfloat.com/pay_a_bill/utilities/Central%20Electric%20Cooperative%20Inc?step=step_one

Questions About Your Billing Statement or Account?

If you have questions or concerns about fees or charges listed on your Central Electric Cooperative account, contact the customer service department at 1-800-521-0570. You can also view information on rates and fees from the rates page at http://www.central.coop/about-cec/rates/.

How the Penalty Fees Work

Penalty fees for Central Electric Cooperative are listed on the rates page. Fees charged by the company include:

Late payment fee: 1% of the past due balance – no less than $1

There is a reconnect fee in addition to the late payment fee, but the amount of the fee is not listed in the bylaws, member documentation or on the rates page.

I Can’t Make a Payment

If you are having trouble making your payment by the due date listed on your bill, contact the customer service department at 1-800-521-0570 to see if you qualify for assistance. Energy assistance from Central Electric Cooperative comes from:

Family Fund: Provides energy payment assistance to residents. Contact the central office in your account.

• Allegheny County: 1-412-350-3911
• Armstrong County: 1-724-548-3408
• Butler County: 1-724-287-5532
• Clarion County: 1-814-797-0286
• Forest County: 1-814-755-3552
• Venango Countya: 1-814-432-9767

LiHEAP: LiHEAP is also available to customers of Central Electric Cooperative. LiHeap contacts are also available for each county provided electricity by Central Electric Cooperative.

• Allegheny County: 1-800-851-3838
• Armstrong County: 1-800-543-5105
• Butler County: 1-724-284-8855
• Clarion County: 1-800-253-3488
• Forest County: 1-800-876-0645
• Mercer County: 1-800-747-8405
• Venango County: 1-877-409-2421

Will They Worth With Me to Pay My Bill?

There appears to be several programs in place to help PA residents find assistance with energy bills. Do you have experience with any of the energy assistance programs or with Central Electric Cooperative?

BB&T is a bank that offers auto loans to customers and non-customers. In most cases, if auto loan applications are received from non-customers, the bank will require the applicant open an account where money can be deposited for auto loan payments. This ensures the bank always receives their money and the customer never has to worry about making a late payment. BB&T may or may not require an in-house account when an auto application is approved. If they do require an account, they may also require the auto loan recipient use direct deposit for the account.

How to Pay the Bill

Your auto loan bill due date will be discussed when you purchase your vehicle. BB&T has nothing to do with this part of the auto loan. However, when you sign your purchase paperwork, BB&T Auto Loan places a lien on that vehicle until the total balance owed is paid off. Your due date will not move from month to month and, in most cases, your auto loan payment will stay the same for the life of the loan.

There are multiple options for paying your auto loan from BB&T.

Pay online: If you setup a bank account with BB&T when you purchased your automobile, you can pay your BB&T auto loan online at http://www.bbt.com/bbt/. Your auto loan account should be listed in your online bank account.

Pay by mail: If you receive a coupon from BB&T, mail your personal check or money order payment to the address listed on the bill. There are BB&T locations all over the United States and multiple bill mailing addresses.

Pay by phone: A customer service representative for BB&T Auto Loan may be able to take your payment by phone. Call 1-800-226-5228 with your account number and payment method to pay your auto loan bill.

Questions About Your Billing Statement or Account?

At times your auto loan billing statement can be confusing. If you have questions about your auto loan, contact BB&T customer service at 1-800-226-5228. You can also view the FAQs section to learn more about BB&T, auto loans and online banking.

How the Penalty Fees Work

If you don’t live up to the terms and conditions of your auto loan, you will be required to pay penalty fees. Unfortunately, those fees are not listed on the main BB&T website. Most of the time the fees are listed in the terms and conditions of the auto loan when paperwork is signed. There may also be reference to the penalty fees, including late payment fees and returned check fees.

I Can’t Make a Payment

Most banks are willing to work with customers having temporary financial troubles making auto loan payments. Contact BB&T customer service at 1-800-226-5228 for more information on alternative payment plans, skipping payments and moving the due date of your auto loan, if applicable.

Will They Work With Me to Pay My Bill?

We need your story about BB&T auto loans and how past due accounts are handled by this bank. Customer service horror stories are available on many consumer websites about BB&T and penalty fees charged to customers. Was your experience good or bad?

With more than 700,000 customers, AmeriCredit Corporation Auto division provides excellent auto finance services and world-class customer service. The company currently provides financial services to customers in the United States as well as Canada. With a cash flow of approximately $10 billion, AmeriCredit Corporation Auto understands the need to assist customers that face tough financial times.

How to Pay the Bill

Customers can pay your AmeriCredit Corporation Auto bill in the following ways:

Pay online: Customers can pay your AmeriCredit Corporation Auto bill online by visiting https://www.gmfinancial.com/myaccount/Login.aspx?ReturnUrl=%2fMyAccount.

Pay by phone: Are you in a jam and need to pay your bill quick? Simply contact customer service at 1-800-284-2271 and follow the automated prompts.

Pay by mail: Customers can pay your AmeriCredit Corporation Auto bill by sending payments to the following location:

GM Financial
Attn: Customer Service Support
P.O. Box 183581
Arlington, TX 76096

Automatic draft: Schedule your bill payment directly from your bank account and avoid late payment and penalty charges.

Questions About Your Billing Statement or Account?

When you have questions and concerns regarding your AmeriCredit Corporation Auto statement, we recommend visiting the FAQs. You can also contact the customer service hotline at 1-800-284-2271.

How the Penalty Fees Work

Although the customer service representative did not disclose the details of the service charges and fees, they did explain that each customer may notice those charges on your bill. The exact amount of the charges depends on the terms and conditions of your account. The fees you may notice include:

• Late payment
• Security deposit
• Loan termination
• Loan adjustment

I Can’t Make a Payment

When facing a financial hardship, you could potentially need assistance. AmeriCredit Corporation Auto division provides several payment assistance programs designed to get you back on track. You can benefit from the following services:

• Servicememebers Civil Relief Act (SCRA) – If you are an active duty service member, you are allowed to skip payments. In order to sign up for assistance, you must contact customer service at 1-800-369-5212. You will need to provide you orders, a letter from your commanding officer and your official notification.
• Payment plan – You have the ability to place your past due balance on a payment plan that fits your monthly budget. AmeriCredit Corporation Auto division recommends you contact the customer care hotline prior to receiving a late payment notification.
• Extended due date – Customers have the ability to change the due date of your bill payment up to 10 days past the original due date.

Will They Work With Me to Pay My Bill?

Large financial institutions such as AmeriCredit Corporation Auto typically offer assistance to customers that can’t pay your bill. Did the company stand behind you and offer an appropriate payment solution? We want to hear your story. Leave us a comment below.

WFS Financial is an alternative auto finance company that works with a short list of automobile dealerships to offer specialized loans to people with less than perfect credit. The APRs range from 8% to 23%, which is a huge range for interest rates. Customers are required to put 25% of the purchase price down on the car before accepting financing from WFS Financial.

We found several negative consumer reports on WFS Financial. Some talk about poor customer service, but most talk about problems having the lien released on the vehicle due to trouble matching VIN numbers on the car to the account. Some people have never received a call back from the company or any resolution about lien release.

How to Pay the Bill

If you need to pay your WFS Financial bill, you need to look at the billing statement for the due date. WFS Financial will charge you a late fee if the payment is not credited by the due date. The customer service department will call your home and they will send letters demanding payment for late amounts due.

Pay online: You may be able to pay your WFS Financial bill online through ChargeSmart or another third-party payment provider. You can pay your WFS Financial bill online by visiting http://billpay.chargesmart.com/payment/auto.

Pay by mail: Look for a mailing address on your billing statement. This is the address you should use to make your payment by mail. WFS Financial does not list mailing address on the official website.

Pay by phone: You may be able to contact customer service by phone to make a payment, but a phone number is not listed on the WFS Financial website. There is a Contact Us page for customers needing to learn more about the company, including payment options.

Questions About Your Billing Statement or Account?

If you have questions about your billing statement, you need to contact the customer service number on your billing statement. We were unable to find any contact information for the company or a FAQs page for customers to refer to with questions. The company does offer a Contact Us page.

How the Penalty Fees Work

We found reports of late payment fees and horrible customer service when customers did not make payments on-time. We also found reference to the fact that WFS Financial may have been taken over by Wachovia Dealer Services which was then taken over by Wells Fargo Dealer Services. You may need to contact Wells Fargo Dealer Services for more information on your loan.

I Can’t Make a Payment

Contact the customer service department for the company currently servicing your loan. We apologize that no information is available at this time on WFS Financial.

Will They Work With Me to Pay My Bill?

With more than 200 customer complaints registered and two changes of serving companies, we believe customers need to contact Wells Fargo Dealer Services for more information on loans originating with WFS Financial. If you have more information on this company and what happened to the loans originating with this company, let us know below.

When Wells Fargo took over Wachovia, they also took over the auto finance portion of the company. Today, all customers who purchased vehicles with a Wachovia Dealer Services loan should be making payments to Wells Fargo Dealer Services. If your billing booklet still reads Wachovia, contact the number on the billing statement for updated information on your account. When the company changed ownership some of the terms and conditions of payment may have also changed.

How to Pay the Bill

Before sending off that mail payment, check the due date on your bill. If the due date is due in less than 10 days, it is best to choose an alternative payment method to ensure your account is credited on-time.

Pay online: You can pay your Wachovia Dealer Services bill online through eServices here https://eservices.wellsfargodealerservices.com/MyAccount/Login.aspx. If you don’t have access to your account, register for access or request your password to Log In.

Pay by phone: Contact a customer service representative at 1-800-289-8004 to pay your auto loan bill. You need to have your account number on hand to make a payment. The representative may ask personal questions about the account for security reasons before accessing your account.

Pay automatically: From your eServices account you can sign up for autopay. Autopay links your Wachovia Dealer Services account to a bank account. You receive an eBill each month and your payment is automatically paid on the due date.

Pay by mail: If you want to send your payment by mail, use the address on your billing statement. The payment address may differ by state. The general payment address for Wachovia Dealer Services is:

Wells Fargo Dealer Services
P.O. Box 25341
Santa Ana, CA 92799-5341

Questions About Your Billing Statement or Account?

There is a complete section of the website dedicated to answering auto loan questions. The Account Services page may have the answer to questions you have about your billing statement. If the question is not answered there, contact the customer service department at 1-800-289-8004.

How the Penalty Fees Work

Penalty fees are part of the money-making process written in to auto loans. Auto finance companies want to protect themselves from late payments so they charge a penalty fee to customers who pay past the due date. Returned payments also result in penalty charges. Due to the fact that Wachovia Dealer Services covers more than one state and state laws change, no penalty fees are listed online.

I Can’t Make a Payment

Call customer service immediately. The number for customer service is 1-800-289-8004. You may be able to refinance the loan, skip a payment or move the due date.

Will They Work With Me to Pay My Bill?

What’s your experience with Wachovia Dealer Services?

Volvo Car Finance helps customers purchase Volvo vehicles. If you are a Volvo Car Finance customer, you should be receiving billing statements listing important information like penalty fees and payment options. If you cannot make an auto finance payment by the due date, contact customer service for alternative payment options.

How to Pay the Bill

Volvo Car Finance lists multiple payment options on the finance website. The fastest means of payment is through your online account.

Pay online: You can pay your Volvo Car Finance bill online at https://www.volvocarfinance.com/accountmanager/amo/vcf/US/en. You will need your account number and other personal information to register for account access, but even if you need to register today, you should be able to make your payment within minutes.

Pay by mail: You should send your payment to the address on your billing statement, but if you’ve lost that address and need to send payment, address your payment to:

Volvo Car Finance NA
P.O. Box 542000
Omaha, NE 68154-8000

Pay by phone: Call 1-888-276-0921 to pay your auto loan account by phone. You need your customer number, the last four digits of the loan holder’s SSN and your bank account information to make a payment. Your payment will be debited from your bank account. There is a $7 fee for phone payments.

Pay by MoneyGram: Visit MoneyGram and fill out an ExpressPayment form.

• Receive Code – 3580
• Company – Volvo Car Finance North America
• City – Volvo
• State – TX
• Account Number – Enter your account number

Pay with Western Union: Call or visit Western Union to make payment. The phone number for Western Union QuickCollect is 1-800-325-6000. Use the following information to process payment.

• Payee – Volvo Car Finance North America
• Code City – Volvo
• Code State – TX
• Account Number – Last 10 digits of your Volvo auto loan account number.

Questions About Your Billing Statement or Account?

There are going to be times when your billing statement looks off. Contact customer service if you have any questions. The number for customer service is 1-800-770-8234. You can also search for the answer to your questions on the Customer Support page. Look at the bottom of the main Volvo Car Finance page for the link.

How the Penalty Fees Work

No auto loan company reveals the late payment or returned payment fees charged to customer accounts. This is because most contracts are unique and often state laws change so penalty fees must also change. Contact customer service at 1-800-770-8234 for a complete list of penalty fees associated with your auto loan.

Penalty fees for auto loan and finance companies are different than those for utility companies. Each auto loan is unique. A customers with pristine credit may have a contract that states payments can be made late without penalty. However, the average loan agreement lists penalty fees for late payment, returned payment and collection if the auto loan is not paid for a significant period of time. If the car is repossessed, the buyer is responsible for the loan.

I Can’t Make a Payment

Payment arrangements or an extended due date may be available for your account. Have your billing statement ready when you call customer service at 1-800-770-8234. You may be asked to verify current income and prove financial distress before Volvo Car Finance will move your payment or allow you to skip a payment.

Will They Work With Me to Pay My Bill?

Tell us your experience with Volvo Car Finance.

Volkswagen is a German auto company selling vehicles in the United States. The company is known for funny commercials and quality automobiles. When purchasing a Volkswagen, customers have the opportunity to finance through Volkswagen Credit if they meet established credit guidelines. If you take the auto finance loan from Volkswagen Credit, you’ll make payments directly to the finance company.

How to Pay the Bill

Past due payments come with a long list of possible penalty fees. If your payment is due, contact the customer service department to see if there are any alternative payment methods that can be processed before your loan is past due. A past due loan could be reflected as a negative mark on your credit report. Some credit companies increase interest rates on credit cards and loans if your credit score tanks.

Pay online: One of the fastest ways to pay your Volkswagen Credit auto loan is through the official Volkswagen Finance website. You will be asked to sign up for a new account if you don’t currently have an online account. Registration is free, but you will need a copy of your bill or your account number to register. You can pay your Volkswagen Credit auto loan online at https://login.vwcredit.com/ConsumerInternet/Login.aspx?wa=wsignin1.0&wtrealm=https%3a%2f%2fwww.vwcredit.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%252flogin.aspx&wct=2012-02-16T18%3a41%3a00Z&Brand=VW&Culture=en.

Pay by phone: Customers can call 1-800-428-4034 between the hours of 8 AM and 10 PM EST Monday to Friday. The customer service representative will likely ask for your account number and may ask a few security questions about the account before processing payment.

Pay by mail: You can send your auto loan payment by mail to:

Volkswagen Credit
P.O. Box 17497
Baltimore, MD 21297-1497

You should send only personal check or money order by mail. Cash is not a secure form of mail payment.

Questions About Your Billing Statement or Account?

If your account does not look normal and you have questions about your bill, contact the customer service department at 1-800-428-4034. The customer service representative can answer all your billing questions. You can also view the FAQs section for answers to commonly asked questions.

How the Penalty Fees Work

If you cannot live up to the terms and conditions of your auto loan, you will be charged penalty fees. The penalty fees will differ by state and auto loan agreement, but you may notice:

• Late payment fee
• Returned payment fee
• Collection fee

I Can’t Make a Payment

Auto finance companies typically write a clause into auto loan contracts that allow customers to move the payment date or skip a payment. Contact the customer service department about alternative payment options.

Will They Work With Me to Pay My Bill?

Give us the scoop on Volkswagen Credit. How do they work with customers to pay off overdue auto loans?

Valley National Bank auto loan program is offered to bank customers and non-customers. You can choose to apply for your auto loan online or at one of the many branch locations in New York and New Jersey. Once approved for your auto loan, you’ll receive information on how to pay your bill, access your auto loan account online and contact customer service for your auto loan account.

How to Pay the Bill

Paying your Valley National Auto Loan bill is simple if you have an account with the bank. Some banks require auto loan applicants open a bank account for loan payments when the loan is approved. If this is the case, you’ll simply have to log in to your online banking page and pay your auto loan.

Pay online: You can pay your Valley National Bank auto loan online at https://www.vbankworksonline.com/onlineserv/HB/Signon.cgi. If you don’t have an ID, you can register online free. You may need your account number for both your bank account and loan account to pay online.

Pay at a branch: Visit your local Valley National Bank branch to make your auto loan payment. Find your nearest location on the Branch Locator page.

Questions About Your Billing Statement or Account?

Consumers have the right to question billing statements if they just don’t appear right. Don’t worry; customer service is ready and waiting to answer your questions at1-800-522-4100. This number is manned 24 hours a day so someone is always there to answer your call. You can also email customer service for more information.

How the Penalty Fees Work

If your bill payment is received late, Valley National Bank auto loan department will charge your account a past due fee. They also have the right to charge your account if a payment is returned. Customers should talk with a local bank branch about the penalty fees associated with auto loans. These fees are not listed on the personal banking website.

I Can’t Make a Payment

When customers fall behind on auto loans, the bill adds up fast. It is best to contact the customer service department to speak with an auto loan specialist about possibly moving your payment to a later date or skipping a payment so you can catch up. If you don’t call, you’ll never know if Valley National Bank is willing to work with you.

Will They Work With Me to Pay My Bill?

There is very little information about the Valley National Bank Auto Loan program. Leave us a note below with your experience and whether or not you’d recommend this auto loan to another buyer.

The US Bank auto loan program is open for all to apply, but the bank is known for accepting only applicants with A and A+ credit. In some cases, customers with credit scores below 674 will qualify, but only rarely. Once a customer is approved for the auto loan, they purchase a vehicle and  US Bank places a lien on that vehicle until the auto loan is paid off. Payments can be made online, by phone and in person at US Bank locations.

How to Pay the Bill

Mail payments are the slowest and Internet payments the fastest. Choose your payment option based on the amount of time you have until your bill is due.

Pay online: You can pay your US Bank auto loan payment online at https://www4.usbank.com/internetBanking/RequestRouter?requestCmdId=DisplayLoginPage. If you have trouble logging in or you need help registering, contact online customer service at 1-800-872-2657.

Pay by phone: There is a local number for US Bank locations in the United States available on the US Bank website. You can contact customer service at one of these numbers to make a payment or the main customer service phone number at 1-800-872-2657.

Pay by mail: Most auto loan companies allow buyers to pay off auto loans with personal check and money order payments. Your billing statement will have the billing address listed. That is the address you need to use to make your payment. That address will be different depending on the originating point of the loan. For instance, loans originating in Cincinnati may have a different mailing address than loans originating in Portland.

Questions About Your Billing Statement or Account?

You have questions, customer service has answers. The billing statement you receive with your auto loan lists interest, principle, penalty fees, service charges, taxes and more. Contact customer service at 1-800-872-2657 or visit the FAQs page to see if your question has already been answered.

How the Penalty Fees Work

Your US Bank Auto Loan required you to sign a contract. That contract stated your payment was due on a specific date, but it also listed penalty fees charged for paying late and other infractions to your account. These penalty fees are not listed on the US Bank website so contact customer service for more information or refer to your auto loan paperwork.

I Can’t Make a Payment

Contact customer service immediately. The last thing you want to do is receive a bill with two auto loan payments due at the same time. Customer service may be able to work with you on reducing your auto loan payment, moving the payment or skipping a payment.

Will They Work With Me to Pay My Bill?

How do you feel about the US Bank auto loan program?

Sun Trust is one of the biggest personal and business banks in the United States. The bank offers auto loans, mortgage loans and other loans for bank members and non-members. Sun Trust may require loan applicants apply for a bank account before accepting an auto loan application or after being approved for a loan for faster loan payment.

How to Pay the Bill

You can pay your Sun Trust auto loan bill by mail, online and by phone. Choose the best method for you.

Pay online: If you have a bank account with Sun Trust, simply log in to your online account to pay your Sun Trust Auto Loan bill online. You can access your online bank account at https://www.suntrust.com/PersonalBanking.

Pay by mail: Look at your current billing statement. There should be a billing address listed on the statement. Make out your personal check or money order to Sun Trust and mail your payment to the payment processing center.

Pay at a bank branch: Visit your local Sun Trust branch to ask about paying your auto loan in person. Typically when auto loans originate at a bank, payments are accepted at local branches.

Pay by phone: You can contact customer service at 1-800-786-8787 for more information on how to pay your auto loan bill by phone.

Questions About Your Billing Statement or Account?

Some customers have questions about a billing statement or their auto loan account in general. Sun Trust Auto Loan customer service is available to answer these questions at 1-800-786-8787. Remember to have your auto loan account number handy. You may be asked to verify security information before the representative can access your account. You may also be able to locate answers to some of your questions on the Auto Loans portion of the Sun Trust website.

How the Penalty Fees Work

We would love to give you a full list of penalty fees charged by the Sun Trust Auto Loan program, but Sun Trust operates in multiple states. State laws regulate penalty fees. Sun Trust will likely charge the maximum amount allowed by state laws for late payments and returned payments. Customers may be responsible for other penalty fees. Check your auto loan application for more information on penalty fees.

I Can’t Make a Payment

Customers have two options when payments are due and there’s no money to pay. They can contact the customer service department at 1-800-786-8787. You may be transferred to the auto billing department before your call is answered by the appropriate customer service representative. Ask the customer service representative about skipping a payment or moving the payment due date so you can catch up on your auto loan bill.

Will They Work With Me to Pay My Bill?

Every bank is different. We want to hear your experience with Sun Trust Auto Loans. Did the bank work with you or leave you with a past due account and the threat of repossession.