I paid the bill on the due date via internet, and two weeks later recieved a letter that I’d missed a payment and what the penalties would be. (#%*)#%)*?

I called them up and explained that i’d paid, and gave them my confirmation number (thank goodness I’d written it down, usually I don’t) and then they told me that there was a typo in the routing number so the check never cleared (and for this error I can pay $300.).

It took several phone calls, but they eventually reversed the late fees, and I was able to close my refinance without incident.

Just a word of warning–sometimes if they dont’ actually post a payment–they wont’ call you to tell you there’s a problem!

It’s great that Mint can alert you to this! I haven’t had any rates go up yet, so I didn’t realize they have this functionality!