While many are saying to make the payment several days early - that really should not be a factor. This band/lender allows payments to be scheduled (which includes auto-pay payments) on any calendar day - and offer a screen receipt (I always take screenshots).
The ONLY way they are legally justified - is if they tried to pull the autopayment and it was declined by your bank and you didn't get an alternative payment posted in time. Here's the issue - Capital One apparently has a reputation for charging late fees, even when payment isn't late. I'm dealing with that right now. Got an email this evening saying my account was past due... I logged in - and my auto-pay was made on its schedule day... yet sure enough, there's a late fee tacked on. And yes, my payment was actually credited prior to the due date. So- easy enough - I'll just try to send a secure message. Nope - they don't offer it. Ok - then maybe an online support chate? nope.
No - the system says to call them and gives me a number to call. So I call - go through a computerized phone tree that is apparently deaf - but finally, get transferred to customer service--- it rings, then says "this office is closed, please call back after 9AM... ". Seriously? Great customer service.
