I am an avid online payer of my credit cards. I always pay my credit card payment online usually 2 -3 weeks in advance. On Wednesday 6/5 I kept receiving numerous calls on my cell phone while I was at work from the same phone number (800-796-7303). After around the 6th or 7th call I thought it was important so I answered it while was at work. A representative from the billing department of Credit One Bank, formally (FNBM) stated that I had a late payment of around $70. I informed him that this was impossible because I always make my payments on time. He insisted that I pay the bill and I refused advising him that I would need to research it first to see if I was in error. He again tried to high pressure me into paying the bill now and again I refused.
I called a representative today after researching it online with my bank and with their online account services. It showed that indeed I did make a payment of $17.35 on 5/22/06 to pay my balance off, which was only $11.40. I made an extra payment of $5 to bring my balance to $0 because of the online fee that they charged. Then on 6/2/06 I made another payment of $40 for the month of June because I had used my card since the last payment.
According to them they stated because I made the payment on 6/2 that counted for the May billing cycle still. I advised them that this is ridiculous and I am being penalized for making my payment early. The CSR stated that they could not use my payment in June for Junes payment. I demanded to speak with a supervisor (Liz) who told me the same. I told them I refused to pay the late fee, which they removed, but they insisted that I still have to make a June payment. I instructed them to close out my account due to bad customer service and that I was going to report them. I would have understood if they would have sent me a billing statement that I still have a balance to pay for the month of June. Even online it still shows that my minimum payment for July is $40 due on 7/27. Nothing showing that there is a past due. Please be aware of the way their business is being conducted. They will not say anything to you or show anything online, but charge you a late fee and harass you on the phone with erroneous claims.
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