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Thank you for bringing this matter to our attention. Our goal is 100% customer satisfaction. If the full principal balance of your "Same as Cash" loan (only the amount you borrowed) is repaid on or before the Same as Cash expiration date, all accrued interest will be waived. As explained in your Note and Disclosure Statement, should you choose not to repay the full amount borrowed during the Same as Cash period, then the loan will turn into a traditional installment loan with monthly payments in the amount disclosed. Additionally, to help our customers avoid paying interest on Same as Cash loans, we send two to four letters reminding them that their expiration date is approaching. Your feedback is very important to us. Unfortunately, we do not have enough informaiton to call you and address your concerns directly. Please call us at 1-888-390-1220 Mon-Fri 9:00 Am to 8:00 PM ET if you would like to further discuss the matter. EnerBank USA maintains an "A+" rating with the Better Business Bureau, and to us, even one unhappy customer is one too many.