First of all On a UBS Discover Card, where is the billing adress? if it's on the card? Thanks for any comment. Another question on my mind: Ugh.... this is going to sound super irresponsible (because in part, it is), but it is what it is..

In 2007, I used my GEMB/Care Discover card to finance laser eye surgery to the tune of $3,400. The card offered 0% financing for the first 18 months and (because I didn't think I'd need more time than that so I didn't look ) 29.999% after that..

Minimum payment was $85, and due the 9th of every month. I get paid monthly on the 15th. I called GEMB and asked if I could pay a month in advance and have my due date switched to the 16th of the month. They said that it would not be necessary as a late fee is not occured until the payment is past due for 7 days. I said I'd like it changed anyway and the representative said he would do it but it wasn't necessary. I now think he blew me off, AND was lying - or just incompetent..

At any rate, I setup an automatic payment of $125/mo. to be paid out of my bank account on the 15th of every month so I'd never miss a payment..

$125 x 18 months = $2,250. I planned to pay the balance of $1,150 on the 18th month. I setup my GEMB account so that it was "paperless." I only received two separate emails a month from them:.

1) a "Your online statement is ready for viewing" email which was a form letter with ZERO account specifics.

And.

2) a "Your payment has been received, thank you" email which said nothing else regarding the account except that they got the payment..

(Here comes the irresponsible part).

I was recieving these two emails every month and was convinced that my payments were going along as planned. I neglected to check my account balance because every month I got the "payment recieved - thank you" email..

Eventually, it became so commonplace that I forgot about it. Fast forward to last month when I realized that I passed the 18 month period. It was December of 2009, exactly 26 payments later. 26 x $150 = $3,250. That would leave a balance of $150 if I hadn't been acruing interest. I immediately had a panic attack and figured 7 months at 29.9% couldn't be too horribly bad as I was making payments over the minimum balance, so I check my account..

** I HAVE BEEN CHARGED A LATE FEE ON MY ACCOUNT FOR ___EVERY___ MONTH SINCE IT WAS OPENNED IN 2007 **.

After 26 payments totalling $3,250 on a $3,400 account my balance is $2,800..

The late fees killed me.... they were $40 of my $125, every month, and then when the 18 months were up, the balance was much higher than I anticipated and the 29.999% was applied to that and killed me again..

I called GEMB customer service and explained the situation. They transferred me to an "escalation specialist." I don't know if this is an automatic thing when the regular reps can't help, but I was never rude, never raised my voice, and never used any explatives..

Anyway, this "specialist" says his computer only lets him see back into my account for 12 months... I find this highly unlikely. I tried to explain to him the situation, and ask him, "who on earth would make 26 payments in a row, late, by the exact same amount of time, on purpose???? It's obviously a misunderstanding...".

...he barely tossed me a bone. He creditted me for 6 months (out of 26) of late payments..

My balance, which should be ~$800-1,000 is still $2,550..

He told me if I needed further assistance I could write a letter to "GEMB Presidential Correspondance." I did this, explaining the situation, and I received a form letter in the mail today saying, "After reviewing your account, we are unable to comply with your request to remove the requested fee(s). Please refer to your Discover card terms..etc, etc...".

Is there anything I can do? I paid over the minimum payment EVERY MONTH with good intention. I was lied to buy a representative that I can't prove on day one. What recourse do I have?.

Thanks for any response!.

-Adam..