I retired a year ago, and have had many issues with my checks.I have always called them and kept in contact with the they have worked with me every time.
The folks in the Smyrna office could not be any better.
I would not deal with anyone else because they take care of me. I think they have always been fair.
A late fee is a late fee and they must collect.They only I do not like is the Western Union part I do not believe any customer paying with a debit or credit card should have to pay an extra 7 dollars every payment.