topic Re: kay jewelers ceo email in General Credit Topics

kay jewelers ceo email

Anonymous — Thu, 15 Jul 2021 16:13:42 GMT

Hey everyone im hoping someone can help me. I been exceptional on my kay jewerles account until a week ago when i got an alert on my credit report saying it was 30 days late. Come to find out that my payment didnt go through or automated my payment I had set. It was my last payment of 30 dollars and as soon as I got the alert I paid it off. So Im trying to figure out if I can email the CEO of comenity branch with kay jewerles to resolve this issue rather to dispute it with the bearus. Im a newbie working on my credit and i was in the high 700s across the board until this issue happen. It drop my credit 40 points and Im just hoping someone can help me get back and scale my credit futher.

Thank You so much in advance =)

Re: kay jewelers ceo email

ldkcivilservant — Thu, 15 Jul 2021 16:21:11 GMT

You can't dispute it. It's factual information. You didn''t pay.

You can of course try to goodwill it off, but it they refuse, it will be on your CRs for the full 7 years I;m afraid.

Re: kay jewelers ceo email

Anonymous — Thu, 15 Jul 2021 16:30:05 GMT

thats what im going to do since its my first and only offense. im tryin to reach out to them to send a goodwill

Re: kay jewelers ceo email

ldkcivilservant — Thu, 15 Jul 2021 16:33:42 GMT

Right. I guess I'm not clear what your actual question is?

Re: kay jewelers ceo email

Remedios — Thu, 15 Jul 2021 16:58:43 GMT

Their question is perfectly clear, they are attempting GW removal.

@Anonymous hopefully someone else has more information for you. About a decade ago they were quite willing to do GW removals then it changed to "reporting is accurate" without much budging on that end.

Re: kay jewelers ceo email

gdale6 — Thu, 15 Jul 2021 17:11:55 GMT

You will need to send a good will request to the issuing creditor, I dont know what Comenity has to do with Kay Jewelers as they issue their own cards. Welcome to my Fico

Kay Jewlers corporate apprears to be

320 King Street Alexandria, VA 22314 United States

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680

Re: kay jewelers ceo email

SoCalGardener — Thu, 15 Jul 2021 19:17:15 GMT

@Anonymous wrote:
Hey everyone im hoping someone can help me. I been exceptional on my kay jewerles account until a week ago when i got an alert on my credit report saying it was 30 days late. Come to find out that my payment didnt go through or automated my payment I had set. It was my last payment of 30 dollars and as soon as I got the alert I paid it off.

How was your auto-payment set up? I mean, was it via your bank's bill pay or the credit card's website or what?

Regardless, if there was no legitimate reason for the company not to make the auto-payment, THEY should be accountable for this. Many years ago, Bank of America failed to make a payment I had scheduled; once I found out it was past due, I contacted them and they completly took care of it, explaining [in writing] to the creditor that it was their fault, they would pay any late fees/penalties, etc. The creditor accepted that and that was the end of it.

So I would start by going to the website responsible for making your auto-payments for this account. Find out why they didn't make the payment. If there's no valid reason, such as an expired card or insufficient funds, it's probably just a mistake on their part and they should fix it.

Re: kay jewelers ceo email

Anonymous — Thu, 15 Jul 2021 20:26:10 GMT

@SoCalGardener wrote:
@Anonymous wrote:
Hey everyone im hoping someone can help me. I been exceptional on my kay jewerles account until a week ago when i got an alert on my credit report saying it was 30 days late. Come to find out that my payment didnt go through or automated my payment I had set. It was my last payment of 30 dollars and as soon as I got the alert I paid it off.

How was your auto-payment set up? I mean, was it via your bank's bill pay or the credit card's website or what?

Regardless, if there was no legitimate reason for the company not to make the auto-payment, THEY should be accountable for this. Many years ago, Bank of America failed to make a payment I had scheduled; once I found out it was past due, I contacted them and they completly took care of it, explaining [in writing] to the creditor that it was their fault, they would pay any late fees/penalties, etc. The creditor accepted that and that was the end of it.

So I would start by going to the website responsible for making your auto-payments for this account. Find out why they didn't make the payment. If there's no valid reason, such as an expired card or insufficient funds, it's probably just a mistake on their part and they should fix it.

Hi yes it has always been through my bank no card at all but I definitely look and call thank you so much

Re: kay jewelers ceo email

Anonymous — Thu, 15 Jul 2021 20:26:45 GMT

@gdale6 wrote:
You will need to send a good will request to the issuing creditor, I dont know what Comenity has to do with Kay Jewelers as they issue their own cards. Welcome to my Fico

Kay Jewlers corporate apprears to be

320 King Street Alexandria, VA 22314 United States

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680

Ok great thank you for this I had called customer service about it but they were saying send a letter to an address I think it's the same one you gave me I'll double check

Re: kay jewelers ceo email

Anonymous — Thu, 15 Jul 2021 20:27:14 GMT

@Remedios wrote:
Their question is perfectly clear, they are attempting GW removal.

@Anonymous hopefully someone else has more information for you. About a decade ago they were quite willing to do GW removals then it changed to "reporting is accurate" without much budging on that end.

Thank you for that information I didn't know that

Re: kay jewelers ceo email

SoCalGardener — Fri, 16 Jul 2021 00:02:26 GMT

@Anonymous wrote:
@SoCalGardener wrote:
@Anonymous wrote:
Hey everyone im hoping someone can help me. I been exceptional on my kay jewerles account until a week ago when i got an alert on my credit report saying it was 30 days late. Come to find out that my payment didnt go through or automated my payment I had set. It was my last payment of 30 dollars and as soon as I got the alert I paid it off.

How was your auto-payment set up? I mean, was it via your bank's bill pay or the credit card's website or what?

Regardless, if there was no legitimate reason for the company not to make the auto-payment, THEY should be accountable for this. Many years ago, Bank of America failed to make a payment I had scheduled; once I found out it was past due, I contacted them and they completly took care of it, explaining [in writing] to the creditor that it was their fault, they would pay any late fees/penalties, etc. The creditor accepted that and that was the end of it.

So I would start by going to the website responsible for making your auto-payments for this account. Find out why they didn't make the payment. If there's no valid reason, such as an expired card or insufficient funds, it's probably just a mistake on their part and they should fix it.
Hi yes it has always been through my bank no card at all but I definitely look and call thank you so much

You're welcome! Yes, definitely talk to your bank. Find out why they didn't make the payment. If it was in any way their fault, they should be able to rectify this for you. At least that's what BofA did for me. As noted earlier, they contacted the creditor, explained that the missed payment was their fault, not mine, they'd pay any late fees/penalties associated with it, and I should not be penalized for their mistake. Worked like a charm!

Please update us and let us know the outcome!

Re: kay jewelers ceo email

Iusedtolurk — Sun, 18 Jul 2021 02:28:05 GMT

@SoCalGardener wrote:
@Anonymous wrote:
@SoCalGardener wrote:
@Anonymous wrote:
Hey everyone im hoping someone can help me. I been exceptional on my kay jewerles account until a week ago when i got an alert on my credit report saying it was 30 days late. Come to find out that my payment didnt go through or automated my payment I had set. It was my last payment of 30 dollars and as soon as I got the alert I paid it off.

How was your auto-payment set up? I mean, was it via your bank's bill pay or the credit card's website or what?

Regardless, if there was no legitimate reason for the company not to make the auto-payment, THEY should be accountable for this. Many years ago, Bank of America failed to make a payment I had scheduled; once I found out it was past due, I contacted them and they completly took care of it, explaining [in writing] to the creditor that it was their fault, they would pay any late fees/penalties, etc. The creditor accepted that and that was the end of it.

So I would start by going to the website responsible for making your auto-payments for this account. Find out why they didn't make the payment. If there's no valid reason, such as an expired card or insufficient funds, it's probably just a mistake on their part and they should fix it.
Hi yes it has always been through my bank no card at all but I definitely look and call thank you so much
You're welcome! Yes, definitely talk to your bank. Find out why they didn't make the payment. If it was in any way their fault, they should be able to rectify this for you. At least that's what BofA did for me. As noted earlier, they contacted the creditor, explained that the missed payment was their fault, not mine, they'd pay any late fees/penalties associated with it, and I should not be penalized for their mistake. Worked like a charm!

Please update us and let us know the outcome!

Agree If it's the banks fault they should definitely straighten it out. I would hate to have my credit suffer for 7 long years for an error that was not my fault.