<prompt> Human: I had set up minimum payment auto draft with BoA which I thought would take out , today I looked at CreditKarma and saw that I was late on my credit card for the past 3 months. I had setup minimum payment so I thought everything was in order and never really checked the website as I dont use the card. I never received an email from them or phone call telling me I was late either. I called and I was told I have to pay 178 in late fees. My credit score has dropped from 738 to 570, Im not really sure what to do here.Update So I called them and after being transferred 3 times, I got connected to someone who discovered not only have they made this mistake, they also forgot to fix another issue back from June. There was also no phone records of me talking to a manager which I explicitly remember. Im suppose to call back on Thursday when the payment posts. Hopefully they arent trying to make me run around the block.Update I called again and they back tracked, not only will they not take the error from back in June they will also not remove a single late fee. I asked to talk to a manager and was transferred to the same one that I talked to back in June whom they dont have any records of me calling! What other option do I have now ?  <response>: it sounds like the bank set up autopay to be specific amount, rather than whatever figure the minimum payment is. If you called them and said i want to set up autopay for the minimum payment thats on them, but if youve said I want to set up autopay for the minimum payment of 50 thats a bit fuzzier. I would definitely call them and complain though. Worst case scenario is theyll listen to the recording of the initial call and determine that your instructions werent clear. and even then, they might forgive you as a courtesy anyway, in which case youd get the penalty charges back but your credit report probably wont be corrected. 