We are sorry to hear about your recent experience. A member of our resolutions team has investigated this for you. The calls/texts you are receiving are just a friendly reminder of your payment coming out, they are not calling you for the payment. The store has confirmed that they have sent someone to your house, however, you were not home. Please call your store to schedule a time for them to come by when you are home. If you have any other issues regarding this, please reach out to the resolutions team at your earliest convenience! 1-888-502-3279