I used Travelers for a home mortgage. They charge a penalty for early pay offs. 5% if payed off within one year of loan. 4% within 2years, 3% within 3years, 2% within 4 years, 1% within 5 years.
I was given an opportunity for a better job out of state before a year had past on my home mortgage. So I had to sell my house. I did not plan to move at the time I used travelers for my mortgage. Between the time of buying a new house and all the cost associated with that and selling my old house(mortgaged w/travelers) I had to make two house payments and support my family by myself until my wife could find a job. It did not matter to them that I am in financal straits or that I had to sell my house and move, or that I had never been late on a payment. I JUST DIDN'T MATTER TO THEM. They declined my request to waive the penalty and kept MY money. As far as I am concerned they might as well have broke into my house and stole from me.
To get past customer service and talk to any managment was like going up against a football defense alone. They don't like you asking to talk to the next in line.