The contents of this thread may be dangerous to your emotional health
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The contents of this thread may be dangerous to your em... - 11/28/2008 1:18:13 PM
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Covaan_Meshuga
Posts: 3417
Joined: 6/8/2005
From: a mother who let me live
Status: offline
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I am spitting-fire-mad! I got a call this morning from an interest-free credit card we have to pay medical, and they told me I was late with my payment, demanding payment immediately. I AM NOT LATE! I owed them $63 dollars, but I sent them $700.
Here's the story:
In September, I sent my regular payment on time, but I had learned that if payment is not on time with this company, they charge the person an exorbitant fee, knock them off interest-free status, and start charging interest which is somewhere between 18% - 26%. Furthermore, they send the bills out very close to the due date.
So after I paid September's regular payment, I waited a few days and sent another payment. This was to be considered October's payment and was marked thus. When October came, I sent the $700 payment a few days after the October due date.
Then I get their call this morning. They claim I am late. They say they have the right to charge me a late payment fee. They are demanding another November payment -- NOW! -- of $63.
I asked for a supervisor. He said there was none, and my only option was to talk to him. After a few angry words with this young jerk, I hung up and called back after 9 am. I asked for a supervisor and got the same junk: my $700 payment doesn't count, and I must send in a $63 payment for November.
Can anyone tell me what rights I have, if any?
This is what I am going to do, after I reach my dentist, whose bill I am paying off through this company. Unfortunately, they are not open until Monday, but I left them a message. I am paying them off after the dentist office does whatever it is going to do, and I don't care if I never have dental work again, if we cannot pay cash.
_____________________________
Abiyah
"Ladies and gentlemen, there are things that you will only be able to learn by the weakest among us, and when you snuff them out, you are the one that loses." ~~Gianna Jesson, 1977 LA, CA, saline abortion survivor
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RE: The contents of this thread may be dangerous to you... - 11/28/2008 1:30:36 PM
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karlie
Posts: 16429
Joined: 4/10/2005
From: Central California
Status: offline
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I have been told before that any payments received during the current billing cycle will be considered a payment for the current month and not advance to the next, even if they are marked. Back when we used credit cards more often, I had a similar thing happen, in which I paid very early for the following month, but it was actually received in the same billing cycle I had already made a payments for. I had to make another payment so my next month's bill wasn't late, even though I had technically made 2 payments. I just got them too close together and both were considered in the same billing cycle. Thankfully, I saw the bill where they were both credited on the same statement, so I knew I had to make another one and it wasn't late.
I'm shocked though, that they have no supervisor or manager to speak to. That seems very fishy to me.
_____________________________
You can't stop the waves, but you can learn how to surf~
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RE: The contents of this thread may be dangerous to you... - 11/28/2008 3:26:17 PM
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pbaribeault
Posts: 1097
Joined: 4/29/2005
Status: online
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If I were in your shoes, I'd acknowledge that there had been a "miscomunication" and apologize for having sent my payment too soon. I'd then say, since I'm a good customer, I'd be willing to make the $63 payment right away, if, in turn, they are willing to waive the late payment fee and put me back on interest free status. If they are not willing to do so, I will be canceling the card.
If you have to cancel the card, don't let those scum profit from your payments for one more day. I'd sign up with a different good-card-deal, and transfer the remaining balance to the new card, close the old account. Require them to attest, in writing, to being completely canceled, paid off and having discarded your personal information. Then go on with the original pay-off plan on your new card.
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RE: The contents of this thread may be dangerous to you... - 11/28/2008 5:18:25 PM
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Covaan_Meshuga
Posts: 3417
Joined: 6/8/2005
From: a mother who let me live
Status: offline
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Thank you for all your answers. I was so angry, I was screaming mad. I reamed two different people out over this, and I mean reamed them out -- I was outraged. How dare they!
I will wait until the dental office does whatever they are going to do, if they do anything, and after they do, I will just take the money out of my savings and pay them off. I don't ever want anything to do with them again.
I talked (raged!) at my husband about this, and he said that he has an idea of how we will handle this differently, so that we will not need such people again. We have credit cards, but we really don't use them, except for this one. This taught me a major lesson on the rip-off artists these people are.
_____________________________
Abiyah
"Ladies and gentlemen, there are things that you will only be able to learn by the weakest among us, and when you snuff them out, you are the one that loses." ~~Gianna Jesson, 1977 LA, CA, saline abortion survivor
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RE: The contents of this thread may be dangerous to you... - 11/29/2008 6:50:24 PM
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Covaan_Meshuga
Posts: 3417
Joined: 6/8/2005
From: a mother who let me live
Status: offline
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Fine print. They hope people can't read it. I can't.
_____________________________
Abiyah
"Ladies and gentlemen, there are things that you will only be able to learn by the weakest among us, and when you snuff them out, you are the one that loses." ~~Gianna Jesson, 1977 LA, CA, saline abortion survivor
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RE: The contents of this thread may be dangerous to you... - 11/29/2008 7:04:47 PM
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MrsTracy72
Posts: 2058
Joined: 2/28/2007
Status: offline
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quote:
ORIGINAL: Covaan_Meshuga
I am spitting-fire-mad! I got a call this morning from an interest-free credit card we have to pay medical, and they told me I was late with my payment, demanding payment immediately. I AM NOT LATE! I owed them $63 dollars, but I sent them $700.
Here's the story:
In September, I sent my regular payment on time, but I had learned that if payment is not on time with this company, they charge the person an exorbitant fee, knock them off interest-free status, and start charging interest which is somewhere between 18% - 26%. Furthermore, they send the bills out very close to the due date.
So after I paid September's regular payment, I waited a few days and sent another payment. This was to be considered October's payment and was marked thus. When October came, I sent the $700 payment a few days after the October due date.
Then I get their call this morning. They claim I am late. They say they have the right to charge me a late payment fee. They are demanding another November payment -- NOW! -- of $63.
I asked for a supervisor. He said there was none, and my only option was to talk to him. After a few angry words with this young jerk, I hung up and called back after 9 am. I asked for a supervisor and got the same junk: my $700 payment doesn't count, and I must send in a $63 payment for November.
Can anyone tell me what rights I have, if any?
This is what I am going to do, after I reach my dentist, whose bill I am paying off through this company. Unfortunately, they are not open until Monday, but I left them a message. I am paying them off after the dentist office does whatever it is going to do, and I don't care if I never have dental work again, if we cannot pay cash.
NO NO NO NO NO NO!!!!!!!
Ok, first, if you sent in your sept pmt on time, then that should reflect on your statement. If you have access to copies of your checks, you should be able to get a front and back copy and that will have the stamp from the bank they deposited to. If that was before the due date, then you have proof. BUT, if you sent in your october pmt and it cleared them before the statement closing date which is always a few days past the due date, then they can say you were late for October. But if they are saying you paid oct, AFTER the due date, try to get a copy of your cancelled check and look at the stamps on it. They will be stamped on the back where the bank go it, but there also may be a rcvd stamp on the front when they got it.
As for a manager, there is always one and you can INSIST on talking to one. If they don't, then what you do is look up the company online, find their board of directors, and start looking up numbers. Call every one until you get somebody to listen to you. Even if your payment posted late, you sent in above and beyond in sept, so they DO have the authority to put your interest rate back and take away the late fees.
Also keep a notebook everytime you talk to someone and write down their name and extension and what the end result of the call was. That way when you do finally get to a mgr, you will have that info.
I am guessing that since they treated you that way, it was collections who was insisting on your payment so if you call your regular customer service number, you may have better luck. I know of a few companies who are like that and I fell into it once. My interest rate went from zero to 25% when I tried to make my payment online and it didn't work. I even called the company and they told me that if I made it the next day, they would note my account and waive the late fees. Not only did that not happen, I had to fight with them for two months before someone reversed all of my finance charges and suggested that I get another card from someplace else because his mgr would not let him put my interest rate back. But he did reverse three months worth of the charges and that gave me enough time to get a new card.
I used to work in collections and I know they have the authority to do just about anything, especially if it is a customer who is not a frequent flier in the collections dept. You just need to be firm and insist.
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RE: The contents of this thread may be dangerous to you... - 11/29/2008 7:16:11 PM
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MrsTracy72
Posts: 2058
Joined: 2/28/2007
Status: offline
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Oh, and let them know that not only are you going to find a new dentist, you will make sure they know that when asked, they will know how you were treated in that way. In our state, medical and dental bills cannot be paid through the provider if you are making payments. They do have to refer them out and if that is your case, you can go back to the dentist and they can pull your account for you.
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RE: The contents of this thread may be dangerous to you... - 11/29/2008 7:47:16 PM
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Covaan_Meshuga
Posts: 3417
Joined: 6/8/2005
From: a mother who let me live
Status: offline
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I was on time and early with every payment every time. They are being beasts, and they think they will get by with it. Here's the thing: I have the money to pay them off and get rid of them, so I am doing that. But what about the others who try this, and they get the same garbage. Believe me, I am telling this to everyone who will listen, and it is all over my husband's large office as well as one of out banks. Everyone is spitting nails over this.
I can't get a new dentist, however, because this is the first dentist I have ever had in this state who was decent. Furthermore, he is very old, and I live in fear of losing him. Whatever his office does will not keep me from coming back to him, but we just will not be using c credit again. I have read online that they are real jerks and have ripped many people off many times. Now, I believe it.
_____________________________
Abiyah
"Ladies and gentlemen, there are things that you will only be able to learn by the weakest among us, and when you snuff them out, you are the one that loses." ~~Gianna Jesson, 1977 LA, CA, saline abortion survivor
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RE: The contents of this thread may be dangerous to you... - 11/29/2008 8:16:42 PM
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relady
Posts: 1212
Joined: 4/11/2005
From: Greater St. Louis Metro
Status: online
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quote:
This taught me a major lesson on the rip-off artists these people are. Yes, they are. I'm convinced they have hired con artists to dream up their payment "plans". And the banks will whine because they don't make enough money. It's enough to make me snort my coffee. And it is infuriating. We have no credit cards right now and when I do get another it will be ONE and I will be extremely careful. But this situation just shows how you CAN be careful, responsibile, and do the right thing and still get the shaft.
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RE: The contents of this thread may be dangerous to you... - 11/29/2008 8:19:26 PM
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MrsTracy72
Posts: 2058
Joined: 2/28/2007
Status: offline
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Most of those companies are collection agencies and sometimes forget that the people paying off their medical or dental bills are only doing so with them because that is the only legal way for them to be in a payment plan with a healthcare provider. It is because the providers are not lenders and cannot extend credit which is what they would be doing if they kept a long term payment plan.
I would still in a very diplomatic way, speak with the dentist and let him/her know what happened because they do have final say and they can choose to take their business elsewhere. The agency I used when I paid for Kayla to be born was in Ohio and I am not.
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RE: The contents of this thread may be dangerous to you... - 11/29/2008 8:24:30 PM
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Covaan_Meshuga
Posts: 3417
Joined: 6/8/2005
From: a mother who let me live
Status: offline
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I agree, Relady!
Oh, you betcha, MrsTracy, that I will be calling the dentist. I left a message at their office already. I will be diplomatic with them, because this is not their fault at all, and they have been very good to me. But I have already raged at ccredit company twice, and I mean raged. I was so upset that I screamed at them. It is a good thing I am not a swearing woman, or I would have burned their nasty little ears right to their ear pieces.
_____________________________
Abiyah
"Ladies and gentlemen, there are things that you will only be able to learn by the weakest among us, and when you snuff them out, you are the one that loses." ~~Gianna Jesson, 1977 LA, CA, saline abortion survivor
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RE: The contents of this thread may be dangerous to you... - 11/29/2008 8:54:14 PM
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benelchi
Posts: 3609
Joined: 9/14/2007
From: California
Status: offline
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quote:
ORIGINAL: Covaan_Meshuga
I am spitting-fire-mad! I got a call this morning from an interest-free credit card we have to pay medical, and they told me I was late with my payment, demanding payment immediately. I AM NOT LATE! I owed them $63 dollars, but I sent them $700.
Here's the story:
In September, I sent my regular payment on time, but I had learned that if payment is not on time with this company, they charge the person an exorbitant fee, knock them off interest-free status, and start charging interest which is somewhere between 18% - 26%. Furthermore, they send the bills out very close to the due date.
So after I paid September's regular payment, I waited a few days and sent another payment. This was to be considered October's payment and was marked thus. When October came, I sent the $700 payment a few days after the October due date.
Then I get their call this morning. They claim I am late. They say they have the right to charge me a late payment fee. They are demanding another November payment -- NOW! -- of $63.
I asked for a supervisor. He said there was none, and my only option was to talk to him. After a few angry words with this young jerk, I hung up and called back after 9 am. I asked for a supervisor and got the same junk: my $700 payment doesn't count, and I must send in a $63 payment for November.
Can anyone tell me what rights I have, if any?
This is what I am going to do, after I reach my dentist, whose bill I am paying off through this company. Unfortunately, they are not open until Monday, but I left them a message. I am paying them off after the dentist office does whatever it is going to do, and I don't care if I never have dental work again, if we cannot pay cash.
Here is the good news and the bad news.
The good news is that the Law is on your side, the bad news is the credit card companies routinely disregard the Law. About 15 years ago I had a situation where I had canceled a credit card, 8 months later somebody made a fraudulent charge on the card, and the bank decided to allow the charge and re enable my canceled card. When I began getting collection calls for my canceled card, I let them no in no uncertain terms that the charge was not mine, and that I had canceled the card before that charge was ever made. I was told that they had a right to re enable the card, and that I had lost my opportunity to dispute the charge because I had allowed to much time to pass before disputing the charge in my canceled card. It took about 1 year and 1/2 to get the issue resolved. I had to get the district attorney involved, and was finally able to resolve the problem after a conference call between myself, the district attorney, Master Card, and the bank (AT&T) that had issued the card. The district Attorney and MasterCard were both advising AT&T to drop the case, but AT&T's Layers kept insisting they had a right to collect from me. Everything was kind of at a stalemate because AT&T headquarters were not local and my locality didn't have jurisdiction, but did have responsibility because this came under the umbrella of consumer fraud. Basically AT&T said that we could get a judgment, but we would never be able to collect. Finally the District Attorney told them that if the persisted, that he would get a judgment for damages and then peruse a lean on one of their telephone repair vehicles as collateral until they paid. At that point they agreed to sign the documents stating their error, and pay the county fines. The whole thing complete shocked me because they basically acknowledged that they knew what they were doing was against the Law, but said that there was nothing I could do about it.
What I would do is make copies of all of your records, send a certified letter to the Credit Card company demanding that the error be corrected. Make sure to keep the bill current while the dispute is in progress. And if they do not correct the problem within 30 days, contact the DA in charge of consumer fraud in your area. Eventually you should be able to recoup any fraudulent fees. If the bank who issued your card is local to your state, the DA will be able to recover the fees for you much more quickly.
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RE: The contents of this thread may be dangerous to you... - 11/29/2008 9:07:28 PM
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Covaan_Meshuga
Posts: 3417
Joined: 6/8/2005
From: a mother who let me live
Status: offline
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I will be watching this thread. If they don't resolve things to my satisfaction, I will use some of the ideas placed here, I am sure. Thank you, all of you!
_____________________________
Abiyah
"Ladies and gentlemen, there are things that you will only be able to learn by the weakest among us, and when you snuff them out, you are the one that loses." ~~Gianna Jesson, 1977 LA, CA, saline abortion survivor
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RE: The contents of this thread may be dangerous to you... - 11/30/2008 2:27:38 AM
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reach
Posts: 1353
Joined: 4/12/2005
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I had the same thing happen. I budget a certain about and made my payments when I got paid. Well because of how the month was, I got paid before the cycle was up, and I made a payment too early. Then the next month they said I never made a payment. I was lucky, as they refunded my fees & put my low interest rate back, as they saw I had a good record of paying on time. Only good thing BofA has ever done. :)
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RE: The contents of this thread may be dangerous to you... - 12/2/2008 1:46:51 PM
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IMA_CHRISTIAN
Posts: 1700
Joined: 1/23/2006
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hey there! I am thinking you got caught in the due date thingy... where even though you intend for that $700 payment to go to November, if it gets to your creditor while they are still in the October cycle, they will add that payment to the october cycle and it will appear that you have not paid November. This happened to me and i too got late charges and all that to me.
and they would not consent to changing it.
You can always try talking to the supervisor who might have some grace, especially if the Lord will inspire them to change what they did. this happened to me last month with a credit card bill. I talked to one person who answered the phone and they said they could not do anything, but then a few days later, i talked to another lady and she reversed all the things causing me problems. so it depends,, some people are willing to give you grace, others are just by-the-book stubborn.. But always try and ask. Especially if you are a good customer and have paid good for the last few months/years.
so my advice, is try again till you get something to change.
also, if you could set up online bill payment, it is MOST LIKELY that you payment will be shown more closer to the date that wont mess you up. Sending checks thru the mail is very unsteady.. however, with online bill pay, most credit cards take only ONE day to get there. you can view your account online, so you can see the date it was paid, or if a payment did not get paid, etc... all kinds of stuff...) also shows the day they paid the bill. So that is even more proof of when the credit card company actually received it. So please sign up for online bill pay with your bank, it is so much better than sending thru the mail which could be late, or they might lose your payment, and you wont know till too late.
Online bill pay is the way to go! plus no stamps needed nor envelopes.. its wonderful! it will save you from all that hassle you are going thru.
also another weird thing could have happened.. if you sent in a september payment but it got lost, then your october payment will really be applied to spetember. you therefore could be 3 months late according to their accounting. you wont know this unless you check your statements.. this happendd to me,, and i had no idea they were applying my current payments to a month behind. this could have happened to you too, which is why i strongly recommend online bill pay so that this situation wont happen. mails are too non-reliable!!! (as you have seen)
< Message edited by IMA_CHRISTIAN -- 12/2/2008 1:56:45 PM >
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Just give us peace, Lord.
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RE: The contents of this thread may be dangerous to you... - 12/2/2008 4:57:50 PM
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kernsfamily
Posts: 1434
Joined: 4/26/2006
From: Dallas (originally Detroit)
Status: offline
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quote:
ORIGINAL: relady
quote:
This taught me a major lesson on the rip-off artists these people are. Yes, they are. I'm convinced they have hired con artists to dream up their payment "plans". And the banks will whine because they don't make enough money. It's enough to make me snort my coffee. And it is infuriating. We have no credit cards right now and when I do get another it will be ONE and I will be extremely careful. But this situation just shows how you CAN be careful, responsibile, and do the right thing and still get the shaft.
AMEN!
_____________________________
Proud dad of 3 great girls....Erin, Emilie and Elise
Blessed to have all of them in a "totally awesome" public elementary school!
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RE: The contents of this thread may be dangerous to you... - 12/2/2008 8:44:21 PM
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Covaan_Meshuga
Posts: 3417
Joined: 6/8/2005
From: a mother who let me live
Status: offline
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A woman from the company called me this morning and she cancelled the charges. She said that she appreciated how I was on time with payments, understood my error, and accepted it as -- well, she didn't say this word, but -- my ignorance.
At least they have set my record straight. I owed more on the bill that I had remembered, but I am still going to pay them off. Pthth.
_____________________________
Abiyah
"Ladies and gentlemen, there are things that you will only be able to learn by the weakest among us, and when you snuff them out, you are the one that loses." ~~Gianna Jesson, 1977 LA, CA, saline abortion survivor
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