Bank ONE Credit Card Services Ripped off for interest after account was paid and closed Wilmingon Delaware

When someone phones a credit institution and asks for a pay off, they expect to get the total amount of what it would take to pay off the account in full. Not with Bank ONE, apparently they figure account interest one month behind, so when you make your January payment, the interest for that month is billed to you in February.

I phoned, asked for a payoff, was given an amount, I paid that amount, closed the account and lo and behold in February I receive a bill for the interest on the account from January. Where is the fair business practice in that? The account was closed, the outstanding balance was paid, why then am I billed for anything else? When I make my last car payment, does the bank bill me one more month for outstanding interest?

If I sold my home, does the mortgage company bill me one more month for outstanding interest? NO!!! They have calculators that figure it out for them because payoff is payoff, done, the end, owe no more! Please someone tell me there is a way this can be made right?

D'Ann
Chesapeake, Virginia
U.S.A.