<prompt> Human: So I financed some furniture 2 years ago to the tune of 5k.Ive been making the monthly payments of about 210 every month for 24 months, I knew my loan was about to be paid off and everything was good.Since its the beginning of the month this has been paid off I was surprised when my credit rating dropped down 2pts, the furniture store added in 2.5k to my credit. Wtf?after talking with the furniture stores accounts, it took them 30 minutes to tell me what I originally paid and how much I paid, they kept insisting the interest charge was only 500 and I was still due 2k on my loan. Anyway, I have my bank statement online filtered to the payments made to them and it it totalled 4800, so I was 200 short.. not 2k. They kept insisting that I was 2k short on my loan, but when I asked them if Ive been paying 210 per month for 24 months on a 5k loan, how on earth am I 2k short?They then tell me the December payment was declined, theres no explanation, as I have plenty of money in my account. It just shows declined.So this explains why I missed the loan payoff date by 200. I tell them ill happily pay the 200 right now, Im a bit frustrated because nobody told me this payment didnt go through, this finance company doesnt send me any correspondence and their online portal doesnt have any transaction history or any info.I think the issues sorted, but no, the lady tells me that the 2500 must be the finance charge for not paying off the entire loan by may 14th. Even she is tells me that sounds crazy.She said she cant alter anything and that her manager needs to approve any adjustments, but she advises that her manager is very strict and doesnt adjust or remove charges. Am I simply Fucked? A 2500 finance charge on a 5k finance that messed up because of 1 payment that didnt process 200?Id understand if totally fucked them about and not paid my installments on time but literally every single payment apart from one is on time and I only missed it due to some unexplained declined payment.Can I contest this in anyway?The kicker is the 14 day grace period for this loan also ended 3 days ago, so its not like Im trying to pay it off months or years after it was due.they finished the call saying a manager would call back on Monday but not to hold out hope. Should I go to the furniture store tomorrow to plead my case? Im so stressed out right now.Edit: spelling. Edit 2: Worst case scenario they dont wave the fee, if I simply dont pay it what happens? They record it against my credit and it My credit rating drops a little bit?  <response>: If you miss a payment places that let you finance furniture usually back charge you all the interest or something stupid like that 