HC PROCESSING CENTER ripoff delinqent fee late payment fee online payment late fee Tulsa Oklahoma

My BowFlex payment was due September 11, 2006 -- a WEEKDAY. I submitted by payment ONLINE via (((ROR redacted link))) ON THE DUE DATE of September 11, 2006. I was subsequently called AND charged a $39.00 "deliquent" fee because they are saying that my payment was late. I called on October 9, 2006 to find out why I was charged this fee in September and the customer service representative stated that because it takes 2 business days to draft the payment from my bank account (they drafted the payment from my checking account on October 13, 2006), the payment was considered late. I asked her that if I would've mailed a CHECK and they received it ON the DUE DATE, would it be considered late? The answer was no, so why is it any different for the online payment process?!?!?

The ONLY disclaimer on their website about online payments is:

"When making your payment, please, remember the following:
o If you make a payment less than the minimum payment due,your account could be subject to a delinquency charge.
o If you make a payment more than the minimum payment due, you will still be required to make a payment in the next billing cycle.
o A minimum payment is due each billing cycle.
o Payments can only be drawn on a checking account.

Payments processed through this website are usually credited within two (2) business days after receipt of the authorization. However, credit for payment may be delayed up to five (5) days if payment is made at any location other than the designated payment address printed on your statement."

There is NOTHING there stating that if a payment is made ON THE DUE DATE, a late fee will be incurred because it takes 2 business days to draft the payment from the bank account. And since I made ANOTHER payment that was DUE OCTOBER 9, 2006 ON October 9, 2006 via their website, I'm sure that they are going to try to charge me ANOTHER late fee.

This is misleading, POOR business practice AND a rip-off. They are CLEARLY taking advantage of people who are attemping to establish credit. I've already reported them to Better Business Bureau Serving Eastern Oklahoma.

Danielle
Conyers, Georgia
U.S.A.