Hey Dave, get your facts straight before you write stuff like this. First Niagara bought out HSBC, not five star bank. Also, you should follow up when there is ANY change. Banks aren't mind readers and don't know when there is a change with your account, address change, etc. Furthermore, im pretty sure the bank sent you a letter stating that you were late on your payment so the fact you let it go 60 days is your fault.
You need to post your hours