A lesson in customer service. Over two weeks ago I had a bad experience with my financial institution. I had a bill, in my electronic bill pay that was paid late. As far as I knew I had done the scheduling of the bill properly and timely but it just got paid three days late for some reason. It wasn’t apparent to me why. Not that I cared so much why it happened, but I was curious. The worst part is that the credit card company charged me $28 for being late, plus interest, and