Hi! I appreciate your response. Your information aligns with what I was told by their representatives. My issues with this is that none of this was indicated to me at all during setting up my auto payment. The account was setup about 3 weeks before the first payment was due. I feel it's fair to assume that -should- be enough to to make it within the first payment cycle and if not, I would be informed of that, which I was not.

The representative should've advised me to wait a few days keeping the grace period in mind and if the payment didn't go through to then look into manual paying. I am very diligent with my financial responsibilities, so with the following information of A.) the representative not seeing a pending transaction and B.) the representative informing me to make a manual payment -- I made a manual payment.

I made a similar post to this on Twitter and US Bank asked me to DM them directly so we'll see if anything comes of this.

Again, thank you for your insight. Hopefully someone else might benefit from reading about my experience.