HSBC unusual business practices Unk Nevada

Probably what is happening is their computer is picking up your "too early" payment from the last cycle as a late payment. I know it sounds weird but I had the same thing happen to me with another company. What happened was it applied the early payment to the previous month's cycle, showing me as making two payments that month and no payment the following month. It's just a "glitch" in the system. I called 'em up and asked why the showed no payment for that month even though I'd sent the payment in early and got the same canned answer as you did. It figures. Try and get ahead of the game. THEY don't want you to. They're afraid you'll pay them off and be done with them.

always paid on time
started to pay ahead of due date (by 20 days) and have beencharged with late fees due to a technicality
will pay them off and not use them in the future
will ensure to do research via "ripoff report" and others to ensure I am not another institute's victim

assessed late fees because I paid 20 days before due date
technically was outside of 25 day payment window