Made full payment of $1,488.95 on June 23, four days before my contract for 6 months no pay/same-as-cash before it expire on June 27.
The payment was received on 06/30/01 as Tran, but it wasn' t posted until July 1. Deferred finance charges of $175.67 applied to the account, occurring a daily periodic rate of 0.06299 %.
Disputed the charges 07/31/02, Stating it did not take 7 to 10 days for a 1st class mail to be delivered, and it only took 2 to 3 days for the mail delivery.
Payment was posted on 06/29/01. I Spoke to a representative, and send a fax that I wasn' t satisfied with their decision.
I conversed serveral times over the phone with the Vice President at Temple, AZ., to remove finance charges. I was told to submit a document to show support of my dispute.
Upon receiving a document from the Consumer Affairs & Claim from the U.S. Postal Services, Oakland, CA. I faxed a copy to the VP., and one to the attention of Dispute Dept. $29.00 was adjusted.
Recieved a letter referring me to Wilmington, Delaware, to send any additional new document. Now being threated to collection agency or contacting an attorney in my area.
Owen
Albany, California
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