Late Fee & Finance charge on each statement not allowing the account to be paid off with XXXX / XXXX. When calling representative " XXXX '', as well as others give credit of Late Fee after escalated words but new charge is reapplied. Late Fee is accessed even if there is not a balance on the account. Most recent statements have a Late Fee of {$77.00} which accumulates. Told statement is mailed by the XXXX but receive hard copy by the XXXX of the month. When calling the representative will not give you a Supervisor. Company holds payment past due date and mails statement out later than the rep. will state on the phone when speaking with XXXX XXXX. Feels like black mail and sheer embezzlement of funds. 
