Business ProfileforUGA Finance

I have an account that I have had since January 2023 that included 2 years of no interest. I was almost entirely paid off of the loan with less than $300 dollars remaining. Recently someone hacked my debit card and I was issued a new one. None of my other accounts that were on auto pay were affected but this account was. I received call today asking for a new card which I promptly gave, towards the end of the call I asked what my remaining balance was and they told me they have added over $800 worth of interest to the account because I was late on my payment. I asked why no one called when the card declined and they said they did but I have checked and there are no missed called voicemails or emails. I am willing to provide phone records as proof. I find this extremely predatory and could understand if they charged interest moving forward but they are charging interest for the entirely of the account and technically on payments that have already been made. I asked for a supervisor to call me and he did and said there is nothing they can do. I would like them to waive the interest and I will pay what is owed in full and close the account. I can understand if I willfully did not make the payment, but this seems predatory to me to charge $800 for something being 2 days late. I could even understand if they charged interest on the remaining balance owed but to back charge interest on an account where I have never been late is astronomical and predatory. They never contacted me stating there was an issue.