I went online to pay our maintenance fees that were both due Jan 1, and found that one of them had already been sent to a collection agency! I agree we were three weeks late - but even the collection agency (who I called right away to pay and assured me this would not yet affect our credit rating) was surprised with how early it had been sent to collections. We have been late in paying in the past (owners for 25 years) but this has never happened. Fortunately the Hyatt customer service agent was helpful yesterday and I was able to pay our other maintenance directly because, when I called today to just ask information on how in the future, to transfer some points (not to do it), I was told absolutely no questions could be answered until my account was up to date (the collections payment will take 2 weeks to post). Anyone else had these experiences?