I too have been victimized continually by the Monogram Credit Card Bank of Georgia dba JC Penney Credit Services. The problem began four months ago when the P.O. Delivered a payment one day late on my JC Penney credit card. Mongram immediately swuspended my credit and levied a hefty fine. I realized I did not want to be doing business with such an unethical firm and sent them a check for the entire balance of the account. They wrote back claiming the check was made out incorrectly and cold not be cashed. They also backed this up by phone when I called them. I then sent a second check made out as they directed but on checking my statement online found they had cashed BOTH checks. After spending approximately $40.00 in phone calls. Letters and emails (including my time) I received a refund on one of the payments but the next month they billed me again and when I called they claimed my bank had refused to pay one of the checks. This is not true. Both checks were withdrawn from my balance and the bank has informed me twice both checks were definitely paid. Now I have received another statement from Mongram adding a "late fee". This is the most outrageous swindle I have ever encountered.
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