I have a loan with Triad and have had the same negative experience with them as well. I have had numerous encounters where payments were not posted to the account.
I faxed copies of receipts that I made the payments, in question, and the account was never updated. I then tried calling back for several days with no success. I was told once, the person responsible was off that day. The next day they said they couldn't find the fax with the receipts.
The next day they found it but the person who was handling it was away from the desk that I would receive a call back and it never happened. I'm so sorry that I ever chose them for the loan.