Thanks everyone for the input & advice! I have to say...I had the same thing happen that one time exactly one year ago, I paid on line, their website...for whatever reason it didn't go through, and I had been within the 30 days the past two months (job transition)...so they called, which I understand, however, I had to call them and ASK them why they hadn't taken my money...I went round & round with the MN AG and Office of Comptroller, it was insane because they just kept playing this game - I've never had an official "late" on this loan, the problem is, it's a horrendous loan - 23.25% PER DAY so I think they believe they can harass so to speak when I don't hit the due date...
Thankfully a few years ago while in the grace period I asked a "regular" customer service person these questions: can I push it to the back end of loan...she said yes, but I wouldn't because you accrue interest and would end up owing about $1500 MORE than I should have...second, she said I wouldn't change the date either because you'll owe daily interest for those days...I was thankful she offered this, then she realized I had a "custom" loan - must mean I'm a baddie...so she couldn't talk to me any more to help me inform them of the date I'd be paying.
It's a circus and I just find it hard to believe once in a while (literally) when someone pays during the grace period this happens. I am not in a position to pay it off, but I can tell you this, unfortunately I didn't read the fine lines at the time, I was just thankful to get an auto loan in my own name...never again will I be that down to take that kind of offer
BTW - It used to be Bank One