FCNB is attempting to set me up for failure. The payment in question was truly my final payment, my balance is zero. It was scheduled to be paid on line on time, however, FCNB claims that the payment is late therefore I now owe the $35.00 late fee and must pay at least half of the total minimum, that being $15.00 or I will be assessed another $35.00 late fee.
I don't know if paying the initial $35.00 would get these sharks off my back or not, but I am thankful that I don't owe Spiegel. Any advice would be most helpful because my due date is approaching and I want to end this.
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