Lucid is experiencing an issue currently with many customers getting a charge initiated through the Lucid app. If at a Supercharger, the only method currently is to activate a charge through the Tesla App.
If there is no impact until 90 days delinquent I don't see a problem with BofA contracting out for collections. It has stigma to it, but in the end they are just collecting your final payment and it hasn't really been sent to "collections.". Now if you don't pay within the 90 days, whose fault...
I have it 100% of the time there is sun out. It's visible at almost all hours of the day regardless of where the sun is positioned. Mine is not as bad as what @hmp10 is experiencing.