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So upset.....

Established Member

So upset.....

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 Smiley Very Happy 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???

9 REPLIES
Frequent Contributor

Re: So upset.....


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 Smiley Very Happy 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???


I think you are having a BAD DAY my friendSmiley Sad...wow. It will get betterSmiley Wink 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.

Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares
Moderator Emerita

Re: So upset.....

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. Smiley Sad
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FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor

Re: So upset.....

You should definitely make a point of checking your accounts online often. Anytime you pay outstanding balances after the statement date you'll have additional finance charges to pay.

 

My advice is PAY THE $18.00!!!!  If you didn't make the charge on April 1 you should file a fraud or identity theft charge.

Member

Re: So upset.....

I hear your frustration!

 

I paid my Chase card off last month (online). Just happened to check my statement one last time to make sure it was at $0.00. To my surprise, I had a $1.00 finance charge. Reason stated "variable rate adjustment previous month." So they charged me a flippin $1.00. These credit card companies are reaching for every dollar they can get. Literally!! Grrrr......

 

 

Established Contributor

Re: So upset.....

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.

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Senior Contributor

Re: So upset.....

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!  Smiley Wink  But no one is ever going to surprise my pocketbook again!



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Regular Contributor

Re: So upset.....

I had a similar experience after having paid off my Chase Visa. Chase has an option to receive email alerts when you have a payment coming due. That is how I knew I owed them $1.00 even after I had PIF. I promptly paid it off then once the $1.00 payment cleared I called and closed it. It was a measly $300 limit starter card that apparently had some kind of stunted growth because it never grew in 2 1/2 years. I was gonna SD it then decided heck with it I have too many credit cards as it is and I closed and shredded it. That's 2 $300 accounts I've closed in 2 days and I haven't lost a wink of sleep over it.
Established Contributor

Re: So upset.....


haulingthescoreup wrote:
First of all, the most important lesson is: always pay online, not by snail mail.

Agreed.I've learned this one as well the hard way...

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Valued Contributor

Re: So upset.....


Chris_1970 wrote:
I had a similar experience after having paid off my Chase Visa. Chase has an option to receive email alerts when you have a payment coming due. That is how I knew I owed them $1.00 even after I had PIF. I promptly paid it off then once the $1.00 payment cleared I called and closed it. It was a measly $300 limit starter card that apparently had some kind of stunted growth because it never grew in 2 1/2 years. I was gonna SD it then decided heck with it I have too many credit cards as it is and I closed and shredded it. That's 2 $300 accounts I've closed in 2 days and I haven't lost a wink of sleep over it.
Why would a card charging you interest when you carried a balance be a reason to be unhappy with it?