in a nutshell, Did my taxes had enough to pay off credit cards in March. Called credit card companies to find out what my remaining balances are. let them know i was paying off today 
exciting right? wrote out the checks sent the payments in the mail WALLA im clear right? WRONG!!! i goto babies R us today spend 60.11 pull out the ol credit card and swipe, declined.....hmm swipe again, declined again???? holding up a line at this point, embarresed, cashier says want me to void all of this? sheesh.....i call BRU/chase....it said i had a balance of 90??? and an avail credit or 400, i havent used my card since payoff!!!! get through to customer service. they tell me I had an outstanding 2.00 FINANCE CHARGE! that i was given a late fee for and that April 1, i used my card for 59.00 and its june and a payment hasnt been recieved so i am given ANOTHER late fee!!! i havent recieved ANY statements nor did i use my card. but all i had to do was pay 18.00 and they will unblock my card. i said NOPE i dont agree to the charges and again wont be useing this card. it only has a 500 limit on it anyways...no courtesy call to say umm did you forget to make a payment? no statements??? how do i go about filing a complaint?
I guess i should make it habit that even though paying off a credit card call and make sure its paid off???
@tongrad wrote:in a nutshell, Did my taxes had enough to pay off credit cards in March. Called credit card companies to find out what my remaining balances are. let them know i was paying off today
I guess i should make it habit that even though paying off a credit card call and make sure its paid off???
I think you are having a BAD DAY my friend
...wow. It will get better
Holding up the line at the grocery store is a killer I know you were embarassed in the worst way imaginable. I wish you all the best my friend.
Ow, sorry to hear this!
First of all, the most important lesson is: always pay online, not by snail mail. When you click through the screens, you'll come up with a confirmation number. I keep a Notepad going with my confirmation numbers for the month. They don't get to mess with me. Don't ever, ever trust or believe that any important payment will work with the US mail.
I had a similar situation when I screwed up my Sears card with the very first payment. (I kept shredding the statements, thinking that they were ads. Yes, I know, I know.) Anyway, I called to get the balance and authorized a draft of my checking account, as this was before I knew how to set up online payments. They would draft, but then it would show as a late again. Went through 2 more times with this, getting madder and madder while they posted a second 30-day late. Finally a supe stepped in and rescued me, took off the second late, and refunded the extra payments.
If you can write down the whole sequence of events, try calling back and explaining what you saw on your end, and can they forgive you the late fee? But as irritating as the late fee is, the most important thing is to confirm that they don't report you as late to the credit bureaus.
I would have paid any amount of late fees if they just hadn't reported that one late.
First of all, the most important lesson is: always pay online, not by snail mail. When you click through the screens, you'll come up with a confirmation number. I keep a Notepad going with my confirmation numbers for the month. They don't get to mess with me. Don't ever, ever trust or believe that any important payment will work with the US mail.
I had a similar situation when I screwed up my Sears card with the very first payment. (I kept shredding the statements, thinking that they were ads. Yes, I know, I know.) Anyway, I called to get the balance and authorized a draft of my checking account, as this was before I knew how to set up online payments. They would draft, but then it would show as a late again. Went through 2 more times with this, getting madder and madder while they posted a second 30-day late. Finally a supe stepped in and rescued me, took off the second late, and refunded the extra payments.
If you can write down the whole sequence of events, try calling back and explaining what you saw on your end, and can they forgive you the late fee? But as irritating as the late fee is, the most important thing is to confirm that they don't report you as late to the credit bureaus.
I would have paid any amount of late fees if they just hadn't reported that one late.
Having seen this before on my own account, I now OVERPAY by about $5.00/mo. In several instances I've avoided having a $1 - 2 balance show on my account. This usually can't be done on the CCC's site but if you use billpay through your bank it's easy.
Starting Score: TU 737 EQ 721
When I pay online, I always print up my receipt & put it with my paper bill (I never use "online" bill only, I make them send paper!) Then I have their printed bill to me, my online payment & conf # fold them together & they go in monthly order in their own envelope in my bill basket.
I have become eco-unfriendly in the paper bill aspect, but FICOhappy in the CYA aspect. I AM the only one to be sure my stuff is paid on time & I have all my documentation to prove it. I have 5 years worth ofpaper bank statements for payments & everyTax return from 1975 forward.
Yeah....I'm a little **bleep** that way! But no one is ever going to surprise my pocketbook again!
