Emailed them to close my account. They responded by asking why do I want to close my account and then a list of why Arbor is great. I had to email them back saying I just want to close my account, I don't feel like I need to owe them any explanation for why. After a few back and forth emails, they closed my account but made it confusing and longer than needed. A day later, I got an email asking me to review their customer service and I said it wasn't the best. Thought it would be the end right there but no, Arbor read it and emailed me about my review, they even misspelled my name, and their email just kept repeating why their company is great and all. I just felt that they were being too difficult and I was interested in using arbor but now, I don't want to deal with the complications with using them and the many reviews online about them being scammy.