Fidelity Bank Of Atlanta

just paid 59 payments on an auto loan. all payments were made two weeks before due date. payment coupon #60 did not have an amount due nor a due date as had the first 59 payment coupons. i assumed that i must had given the toyota dealership the first payment whebn i purchased the automobile. i received a phone call advising that my account was past due. i called fidelity bank (also known as lion bank) and asked for an explanation. i spoke with an individual who had very little customer service skills and was quite impatient and unable to explain why i owed and additional payment. her final response was that if payment was not received within 16 days that i would be placed for collection and that my future credit would be affected. i was unable to find my 5 year old contract (bill of sale) so i decided that i better just pay them rather than affect my very high credit score. the amount that i was advised that i owed was slightly less than each payment. i call called that individual back to advise her that i was paying electronically through my wells fargo bank and that they would have the payment in 2 days. i went on line and made the payment. unfortunately i made the payment before opening the previous day's mail. when i opened my mail there was a past due notice from fidelity bank. the document was dated feb.7 and i received it feb.10. the document idicated the payment due date of jan. 28 and the amount due was actually $21 less than the amount i was told was due and that i paid. i called back minutes after making the payment and opening the mail. fortunately i spoke with another individual who was very polite and patient however she was unable to explain: 1. why the amount was less than the amount that i was told was due. 2. why they would send a letter on feb.7 advising that payment was due jan.28 it is very frustrating when you are at the mercy (threatening to tarnish my credit) and fidelity bank was unable to give me a logical explanation.