I won't get started on most of this but I had a similar situation with my Harley payment. Insurance totaled the bike and told me they were sending payment to Harley to pay it off, no notice from Harley or Insurance company about it afterwards, then I get a 45 day late payment notice on my credit from Harley on my credit, I guess the insurance company took longer than they said to make payment and neither company did anything to help my now delinquent account mark. Good thing it was years ago and I haven't had issues since. I will say I love my bank, the credit card interest rates have went up a little but not bad, I don't get service fees or overdraft or anything charged on them and for my checking account they refund my atm fees at the end of the month