Account was going to be late, so I called and made a payment by phone. The electronic check cleared my account but the payment was never posted. Card Processing Center charged a late fee and said I must send a letter with my problem; they don't discuss them over the phone.
I sent a letter and the company sent me back a letter saying there was nothing they could do because my account was behind (hello, the account was behind because you didn't post the payment).
I sent another letter and received a letter back saying they would look at it. That was 2 months ago, I'm still being charged late fees every month for that one payment and the check by phone still hasn't been credited.
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