I used Okinus to finance but payoff in 90 days. Fi...

I used Okinus to finance but payoff in 90 days. First, they charge $69.95 for the option to payoff early. Next, you have to call them to let them know you intend to payoff (you cannot do it at the time of purchase). I received a notification in October saying my first payment was 9/23/20, but I had not received the furniture on that date and no payment had been drafted. I called Okinus and they asked ME my furniture delivery date. They then said the payments would start 10/23/20 with a payoff date of 1/23/21. I only received 2 correspondences saying payments would start on 9/23/20, but it was random as though the payments were getting ready to start although they had been drafting already (it was the same original email I received). I did not receive any bills, notification of draft or anything during the 90 days. I called on 1/14/21 to pay the balance and was informed the date of payoff was 1/11/21. I informed the rep the the emails I received said 9/23 as a start date but that i had not received the furniture and she only restated what her notes listed. The rep let me pay off for an amount slightly above what it should have been. I paid it without question because due to the tone of the rep s voice and lack of professionalism, I could tell the conversation was going nowhere fast. I will never use them again.