[island_dude]

The card company can't make your responsible for for late fees if you are paying ahead and my the due date. The best way to deal with this is to document your case and send it in demand that they address it. They have to respond and they have to investigate.

I had some dealings with GE on the commercial credit side. I bought a supercomputer that was financed through GE. They were incapable of managing the payments properly and did all kinds of crazy things. I would get late fees in the thousands and my boss was super ticked off thinking that I was at fault. I eventually got them to give me an itemized list of every transaction on the loan. It was insane. They would show a payment arriving. Sometimes the amount was right and credited incorrectly to the wrong accounts, sometimes they recorded the payment as a lower amount. Months later you would see credit transactions correcting some of the mistakes. At one point they were threatening me personally with repossession! I told them to go ahead a come by to get the machine (there is no way they could get anywhere near it). Crazy.