Lexus Financial Services LFS Amount of time to post online payments Internet

I make all of my cr payments onliine to Lexus Financal Services.  Last month I logged in to make a payment, which was due the next day.  When I went to check the day I wanted the payment to post, it wouldn't allow me to choose the following day...only the day after.  On top of that, it gave me a stern, RED warning that my payment would be late and is subject to service charges.  Before making the payment, I called LFS to let them know I was trying to make the payment online, but it wouldn't allow me to post it by the due date.  The clerk told me it took two days for a payment to post online, but I wouldn't be charged a late charge nor would it go against my credit.  But, when I asked about the interest charge, he told me I would be charged another day interest, even though I was making the payment that day.  Of course, to make the payment via the phone would incur a $10 service charge. 

While the interest for the day was only $3 and change, the point I want to make is that LFS probably has thousands of people making online payments who don't realize they're being charged a few dollars interest for the extra day it takes them to post the payment.  Over 36, 48 or 60 months, times the number of customers, Lexus is making a nice little profit without the consumer knowing.

I wrote them to tell them I felt their practices were unfair.  Their response was a form type letter explaining to me that it takes a day for online payments to post.  I wrote back, telling them to read my complaint before sending a response that is inappropriate.  No response from them.

This may seem trivial, but look at the money they're making each month from unsuspecting customers.  Poor business practices!