“3 months waiting for refund from over payment of Almost $600.00 Because when I paid off the "payoff amount" a new Balance would appear on the online Account page . paid that amount off and few days later new balance appears . after I called was told well it shows a balance to keep the account Active but it is paid off . now I can get the refund for over payment been told so many different stories on its in process, we are going to escalate it , we will send a 50 dollar gift card just for your troubles of waiting.ECT. but still have not even mailed the check.