I am writing you this letter in hope to be able to resolve all the issues that I am having with this company, which I am sure that millions of Americans are going through the same issue.

In short I have made my payment over the phone on the due date payed in full was notified of a $188. credit and now have a balance and a late fee assessed to my account, I have tried to settle with the company regarding this but they refuse to remove the late fee.

I do not feel that I should pay them any extra money since they were the one's that posted the money on a different day verse's the 19 of December.

Please let me know what I can do about this situation...

Many thanks,

Andy Yacoub