I am in Tennessee. I closed my bank account, sent the letter from this site (have VASTLY overpaid), and have heard NOTHING. What have your experiences been like with them? My first "missed" payments to them will be this Friday, so nothing has been returned to them yet. The only thing they have heard about is directly from me.
I know it's wishful thinking to think they'd be cooperative. I did, however, have great success with Cash Jar. I sent the email, received a reply stating they were marking my account paid in full. Boom.
Thanks,