Its happened to me a few times over the past few years on my CSD bill, but Wells Fargo credits back any late fees or penalties.
I didn't know it was so easy to fill out the form- When you're in BillPay, I just click 'details' on the billpay item, then click 'inquiry', then just fill in the info for the bill that arrived late. They don't require anything to be mailed in physically. I have to say that I was pleasantly surprised it was so easy.
