Our company has had a problem with how finance charges calculate since 1998 when we started with Macola. Macola looks at the open balance for each customer and then deducts any finance charges out there before calculating the current month finance charge. I have no problem with that. The problem we have is that it is also deducting all finance charges in that customer's history file including the ones that have been paid and are not in the open balance amount. As a result, finance charges are too low on customers that have them every month. Is anyone else having this problem? Any ideas on how to fix it?