We are continualy getting $30.00 late and insufficient funds charges that are a lie. We pay our bill on time or before. We sent in a check for a payment 9 days in advance and they clame they did not get it so sent a $30.00 late fee we paid the late fee and gave them an e check that cost extra because it is not an electronic payment . They said to cancel the check we had sent. recieved another late fee and paid it. Sent another check for the late fee and the sent another late fee, late fee. They were applying the late fee to the balance an not the late fee widh we were not late. Then sent an insufficient funds fee on the check they told us to cancel payment on, they said they would not process the check we had stopped payment on . You know if they have 1000 accounts and sent them a $30.00 late fee every month in one year that is$360, 000.00 a year they make as a lie and can pay someone $60, 000 a year to take the grief and come out ahead $300, 000.00. You know they can let the check sit on a desk and there is nothing you can do about it. They just turn you in to the credit agencys. I want someone to check on this, not right for these giants to take advantage of the American public especialy when the tax payers of this country have just sent the banks 700 BILLION DOLLARS of tax payers money. This is a scam and must be stopped at any cost.