I've been a loyal customer since 2006 and have never had a late payment and always paid my full amount each month. My last payment sent Friday, July 9, which is automated from my Bank Account, didn't get processed until Monday, July 12.

In those three days over the weekend, I was charged a late payment fee of $39.00 and Interest fees of $59.00 of which my rates escalated to 29.24% for purchases and 30.24% for cash advances. I thought there were laws to protect citizens from this type of scam and I'm appalled that an organization can treat their most loyal customers this way.

In trying to contact someone to discuss this, I'm connected to a call center in the Philippines who has no authority to help with these issues.