I just became a customer with them and they put a ...

I just became a customer with them and they put a hold on my account for 4 days and the payment still hasn't gone through and the hold was taken off. I was informed it takes 4 days to process a payment, but he couldn't explain why the hold was taken off an he said that just make sure the money is in there and they'll take it out eventually. I had to pay $20 extra because initially they never told me my due date so I got a late fee, then I had to pay $5 extra to process a payment over the phone. Ridiculous. This comoany is a joke and the people are rude as hell.