Wells Fargo Home Projects Visa has repeatedly assessed late fees when payments were made before the due date. Customer service was helpful in resolving this issue in the past and provided direction for how I could avoid the problem in the future ( details below ), but has not agreed to reverse any more late fees despite following their direction. 

The details of the matter regard a period between the due date and the statement closing date. Wells Fargo sets the due date on the XXXX of every month and does not allow any grace period. I have always paid prior to the due date. The statement closing date is on the XXXX though and the problem occurs when a payment is made towards the next statement prior to the closing date of the previous one ( e.g. when payment is made on XXXX XXXX for the statement due XXXX XXXX ). Even though the payment is made in advance of the due date, a late fee is still assessed. This is contradictory especially since there is no grace period i.e. any payment made after a due date should indicate a payment made towards the next statement. 

I have made every effort available to me to accommodate Wells Fargo Home Project Visa 's business practices. A customer service representative directed me not to make payments until the XXXX. Recent events would indicate that this was not correct and another representative informed me that this date can vary. I have also been told from other representatives that many people encounter this problem. Questions about the effect of this problem on my Credit History and Report were also answered unsatisfactorily. The representative stated that the Credit History would not be effected until the account was more than 30 days past due. Unfortunately, after making payments on time since opening the account, Wells Fargo still believes the account to be delinquent. 
