<prompt> Human: Stuff happened near late last year, didnt realized I wasnt auto paying the bill. When I looked I realized I was several months behind, each late payment being charging 37 extra fee. This is ridiculous! I got an email from them saying to discuss payment options, I may even be able to settle for less.I call the number they listed in the email. I could only get someone who I assume was from India. They wouldnt acknowledge anything the email said, only demand I pay the full amount immediately. I demand to talk to a native English speaker, after several transfers I finally get one.I explain the situation to them. They tell me theyll waive an interest charge of around 60, but I have to pay the total due. I said I dont think thats reasonable, they said then youll keep getting late fees and hung up. What can I do to fix this?  <response>: I think they were generous by waiving the interest charge. You should just let this be a learning opportunity and pay up. 