Anybody know anything about "Umpqua Bank?"

F Home Depot....Their card (whomever runs it at 18% APR) dinged my credit 100 points (!) when I missed a $7 payment...no F'n joke. It had a balance of $40 on it and it was the only card I didn't have auto pay on . Well, the $7 bill got looked over in the junk mail and lapsed 1 month (45 days actually) and I get an Email saying you missed a payment and it has been sent to collections. Are you F'n kidding me? I wrote a check for $40 that day and sent it and closed that account. Its all ATM card debit now. If I cant afford it, I dont buy it....emergency situations exempt.