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Problem with fees. On XX/XX/XXXX I selected an on-line option to have the balance of my XXXX Comenity credit card account automatically paid off each month on XX/XX/XXXX. I had a balance of {$280.00} due XX/XX/XXXX. When I received my XXXX statement it showed no payment had been applied, began accruing finance charges on the outstanding balance and charged by a {$28.00} late fee. I made an inquiry of Comenity Bank as to why they did not automatically deduct the payment of my balance on XX/XX/XXXX as selected. Their original response was that the on-line selection I made on XX/XX/XXXX took 11 days to process and so it wasn't reflected in time. I then inquired as to why it would take 11 days to process an on-line automatic payment selection and where was that disclosed to me as a consumer, a