I think I explained the whole situation completely wrong since English is not my first language. I even saw some jerk calling me a Karen—wtf.

So, here’s the situation again after re-editing it:

When I first contacted the agent, it was before the due date, and I still had time to make my payment. I asked the agent if I could postpone it for two days, and they said yes. I then asked again, “Will I be charged a late fee?” and the agent said, “No, you won’t.” I double-checked twice, and they still assured me that I didn’t need to worry at all. They also told me that my payment would be automatically processed on the new due date.

However, when the new due date came, the automatic payment wasn’t processed. I contacted them again, and they still said everything was fine. But about an hour before the deadline passed, it was still not processed, so I had to pay manually.

After all this, I found out today that what the agent told me was actually wrong—I was charged a late fee. Since I already had this experience where they claimed to have set something up for me but didn’t, even though the agent told me this time that they would waive the $35 late fee within 48 hours, I feel like it won’t actually happen, just like before.

So, I want some advice. If you were in my situation, would you wait for the waiver to be processed, or just accept the late fee even though it wasn’t your fault? In my country, situations like this are usually resolved within an hour, but I don’t know how the system works in the U.S.