@TrialByFire wrote:
Y'all need to back off, this is becoming a running theme and getting real old real fast. OP has admitted culpability. Do yall want a first born child as retribution?
OP I get what you're saying. Thankfully we're only talking about a couple bucks here. You know better now and it only cost you $8
Lol? He needs to take responsability of his own actions .... and he is complaining about $8 dollars of interest... I would of taken my losses and move on. Not worth my time or the CSR reps time really over $8 bucks. If he was late paying the min that is a different story but seriously it is $8 bucks. If he wants It I will gladly paypal him $8 bucks . How I read it sounded like he just wanted to blame somebody else other than him...
@Anonymous wrote:
I don't believe there's a "fault".
The rules are placed there and you're made well aware of it with the disclosures. I've tried reading all the highlights (eg cut off times) and you know the customer falls asleep; seriously.
I give them the materials and they'd give it back, or they would take it and when they don't think I'm looking, dump it in the trash.
The point is, when I hear people complain, a lot of times, I just inside laugh a little. I mean, danged if you do, danged if you don't.
In this case, OP, I wonder if you have a checking account with them.
Generally speaking, and the rep may not be aware of this, if you have a checking account and you've never had a late before--they can waive either the late fee or the interest charge, not both. If your interest charge is only $8, and the residue of it is probably roughly that or less (next month, this is something that's hard for customers to understand when I explain about cut off dates and due dates).
And you weren't charged a late fee? Most likely they waived the late fee (usually $25 or $35).
And that's rare if you don't have a checking account. If you don't have that but just cc, a lot of times the system won't let you reverse fees.
Chase is a relationship bank more than anything.
If you have checking, you can waive one, not both.
But there are times the system may allow you to.
The level just depends on the relationship.
All of this of course, is purely a "privilege" and not "right".
It's not my time or worth, to ask for the refund of $8 plus residue repeatedly. If the bank was at wrong, even if it's .01 I will ask for it to be reversed because principal; but if I'm wrong, what principal?
I never said principal that was some other post. Also, I was unaware of a disclosure about the cutoff time until I went to pay online on the actual due date, since its not mentioned in the statement itself and I usually pay via billpay etc and not directly via their website. They didn't waive any late fee because they are not entitled to a late fee to begin with. I had made a substantial payment like two weeks before the due date and this extra $300 was just a payment to make the payment a PIF vs a partial payment of the balance. I don't have a checking account with chase and any contact with them is via mail not someone handing me something. Others have talked about how its silly to contact EO about this and I never said I was going to contact EO nor would I bother doing so in this situation. I never claimed I had a right to a refund, but being I never had this situation before and they have done this for others in the same situation I am simply disappointed with the outcome.
;
@Closingracer99 wrote:
@TrialByFire wrote:
Y'all need to back off, this is becoming a running theme and getting real old real fast. OP has admitted culpability. Do yall want a first born child as retribution?
OP I get what you're saying. Thankfully we're only talking about a couple bucks here. You know better now and it only cost you $8Lol? He needs to take responsability of his own actions .... and he is complaining about $8 dollars of interest... I would of taken my losses and move on. Not worth my time or the CSR reps time really over $8 bucks. If he was late paying the min that is a different story but seriously it is $8 bucks. If he wants It I will gladly paypal him $8 bucks . How I read it sounded like he just wanted to blame somebody else other than him...
The original post says I made a mistake. I'm not sure why people keep insisting I am saying otherwise.
@red259 wrote:
@Closingracer99 wrote:
@TrialByFire wrote:
Y'all need to back off, this is becoming a running theme and getting real old real fast. OP has admitted culpability. Do yall want a first born child as retribution?
OP I get what you're saying. Thankfully we're only talking about a couple bucks here. You know better now and it only cost you $8Lol? He needs to take responsability of his own actions .... and he is complaining about $8 dollars of interest... I would of taken my losses and move on. Not worth my time or the CSR reps time really over $8 bucks. If he was late paying the min that is a different story but seriously it is $8 bucks. If he wants It I will gladly paypal him $8 bucks . How I read it sounded like he just wanted to blame somebody else other than him...
The original post says I made a mistake. I'm not sure why people keep insisting I am saying otherwise.
You didn't own up to it though and still named the title of the thread as a failure on their side....
@Closingracer99 wrote:
@red259 wrote:
@Closingracer99 wrote:
@TrialByFire wrote:
Y'all need to back off, this is becoming a running theme and getting real old real fast. OP has admitted culpability. Do yall want a first born child as retribution?
OP I get what you're saying. Thankfully we're only talking about a couple bucks here. You know better now and it only cost you $8Lol? He needs to take responsability of his own actions .... and he is complaining about $8 dollars of interest... I would of taken my losses and move on. Not worth my time or the CSR reps time really over $8 bucks. If he was late paying the min that is a different story but seriously it is $8 bucks. If he wants It I will gladly paypal him $8 bucks . How I read it sounded like he just wanted to blame somebody else other than him...
The original post says I made a mistake. I'm not sure why people keep insisting I am saying otherwise.
You didn't own up to it though and still named the title of the thread as a failure on their side....
I had said numerous times in the thread I made a mistake. That doesn't necessarily mean that I agree they provided me successful customer service, which I have already said is subjective. They are two different issues and I am done responding to this thread.
Sorry Chase wouldn't extend the olive branch to you, Red. At least it won't cost you too much. Lesson learned.
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Thread is locked and under moderator review.
gdale6
myFico Moderator
As the OP has received some good info and there are some posts approaching flaming and nonFSR this thread will remain closed to further comments. I want to remind everyone that all posting must be done in a friendly, supportive and respectful manner.
http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/td-p/2905196
