I received a "payment due" email on an account that was fully paid off on June 1, When I called and went over the account I was charged two late payments and interest on them. We argued for a while because my due date was, and had been, on the 3rd of the month due to my income, and that was requested back when I first got the card. I don't receive statements in the mail, I just pay the bill on the first, I've never had any issues in 3 years. So they told me there was a recording of a call I made in July of 2018, it stated I wanted to change the due date, I asked to hear it, they said no, I would have to send in a letter to request it, then later on in the conversation they told me I had to have a lawyer subpoena it. They said they also said the bank sent me a letter in July 2018 to confirm this. I was very upset, crying even because I would never had changed the due date to a date in which I can not pay, but they insisted I did. And yes, the bills for Dec on, was dated the 28th, of course I didn't know this until yesterday. So I paid my bill on 1/1, 4/1, 5/1 and 6/1, I was charged the late fee in June and July, but not the previous two payments. They also said I received two letters saying I was late, I did not . I also did not receive any messages on my account, or emails with any of this information. Now to top it off, they cut my credit from $770 to $100, they also said I received a letter saying this in June, again, no letter, no email, and no message on my account. This experience has been very disturbing, and if I was able to get my clothes elsewhere for the prices I get them, I would cancel the card.