I opened a Best Buy credit card on XXXX XXXX, XXXX. My payments have been on time every month until XXXX XXXX. The due date was XXXX XXXX and with the excitement of the holidays and being out of town for New Years, I missed the payment. After I paid both the XX/XX/XXXX and XX/XX/XXXX amounts due well before the XX/XX/XXXX due date, I messaged Best Buy via secure messaging through their website requesting a late fee waiver. I was sent a standard response stating the fee could not be waived. I asked a 2nd time and mentioned that most companies strive to treat each customer fairly and on XXXX XXXX, XXXX, my fiancee also opened a Best Buy credit card. She missed 1 payment prior to XX/XX/XXXX so her history with the company at that time was even shorter than mine is now but her late fee was promptly removed upon her request, also sent via secure messaging on the Best Buy website. I let them know that I expect the same courtesy to be extended to my account. These accounts are in no way related so it 's not that we had already received our XXXX waiver per 12 mos. as is the policy for most banks. The 2nd secure message I received from Best Buy was the same response I received the XXXX time, a standardized message that was copied and pasted, again denying my request for a late fee waiver. I did some research on UDAP to see if they were allowed to grant a waiver for XXXX customer and not for another and actually found that the Card Act specifies the XXXX late fee on any credit card account should not exceed {$25.00}. Citi Bank, which finances the Best Buy credit card, is charging {$27.00}. My fiancee also works for a bank and they only charge {$25.00} for the first late fee. So not only is Citi Bank/Best Buy treating customers unfairly when asking for the first late fee waiver but they are also charging more than the {$25.00} standard the Card Act legalized. I would like this looked into in order to see if they are violating both Card Act for charging {$27.00} and UDAP for inflicting monetary harm on more than XXXX persons ( every customer charged {$2.00} more than the legal amount for their first late fee will add up to a lot ). 
