topic Re: Campus Partners in Rebuilding Your Credit

Campus Partners

2NE1 — Wed, 18 Jul 2012 03:58:12 GMT

Does anyone have the CEO's e-mail contact? or the Chairman? or the Accounts Manager, etc etc etc.?

I've accidentally let a $12 late fee go past 30 days and it has been noted on my CRs. I thought their late fees would roll over the next billing statement just like SallieMae does theirs... ugh

Re: Campus Partners

RobertEG — Wed, 18 Jul 2012 07:04:52 GMT

What was the billing due date, and when was it paid?

Re: Campus Partners

2NE1 — Wed, 18 Jul 2012 15:16:42 GMT

Due date was on 6/9 for $120. I paid the $120 a few days after and did not noticed they added a $12 late fee until I got a SW EQ alert saying one account has a 30 day past due with a total of $12. SallieMae usually gives you a 15 day window to pay it after due date and if you still happen to be late they just roll over the late fee balance to the next billing date. I figured this student loan company would do the same but I guess their payment system's different.

Re: Campus Partners

RobertEG — Wed, 18 Jul 2012 20:13:53 GMT

If the last bill stated an amount due of $120 and you paid that billed amount prior to 30 days after the billing due date, then it would not be a reportable 30-late.

If the $120 did not fully satisfy indebtedness, then I would assert that a new bill would be required on any unpaid amount.

Still being within 60 days of the billing date, you have, in my opinion, basis for filing a dispute under the Fair Credit Billing Act.

I would file a dispute with the OC under the FCBA for lack of proper billing, and a dispute under the FCRA for improper reporting of delinquency that had not reached 30 days past a due date set in an actual billing.