Credit Lines, MBNA trouble with interest payment

Complaints.com received the following e-message on October 18, 2001:

From:

RE: MBNA

I HAD A $10000.00 PERSONAL LOAN THRU YOUR BANK FOR ABOUT 2 MONTHS, I MADE THE FIRST PYMT WAY BEFORE THE DUE DATE AND ALSO ABOUT AN EXTRA $150.00 ABOVE THE PYMT. WHEN I CALLED FOR THE PAYOFF I HAD ONLY PAID 100.00 ON THE LOAN, I DON'T UNDERSTAND HOW YOU CALCULATE YOUR INT AT ALL. TO ME MY PAYOFF SHOULD HAVE BEEN FROM THE DUE DATE OF THE LOAN AND DEDUCT PAYMENT MADE PLUS THE FEW XTRA DAYS INTEREST. PLEASE EXPLAIN.