Synovus Bank Credit Card Complaint

Synovus Bank Credit card department,

New Jersey

I accidently over paid my card. It is a prepaid card with a - dollar credit limit. I have had a - dollar available limit for some time now even though I owe nothing and have overpaid the card by - dollars. the payment wsa smenat for my fiances acct. I havent asked for the credit back or even to apply it to something. I was instructed that as i spend on the card it will be taken out of the credit first yet I have tried to use the card and have been unable to. I was told payments had to post and i understand the float is their business model. Isnt there laws in place to limit the time they can hold money and not post it to accoutns? secondly they repeatedy accpet a payment then ask for a payment less than - days later and if its not made it slate. Thats not possible, If you pay for example - dollars on the - wiht a min payment due of - dollars how can the - another payment is due or a late fee incurs when yo obviously made a payment that month. This company is a constant violater of proper financial parameters by delaying posting of monies and attemting to bill customers with overages and lates. I know I 'm not the only person who has brought this to your attention. I can see what they have attempted to do to me. I have money so i can easily rectiofy my situations before they get my money. I thought the federal govt was suppose dot monitor companies like this to protect consumers form abuse