Complaint about late charges payment on my account

Every month Finchoice miss their payment whereas there is money in my account and later on they call me and tell me that I have missed the payment,they charge late payment charges on my account,the interest ,I think they even charge their call expenses on my account .every month we make a new debit date while we had debit date.I need the credit for those late payment charges how can they charge me that money for their mistakes.