Shortly after receiving my card, I receive my first bill. It was due on 08/15/07. I made an online payment on 08/09/07. I then called the automated system everyday to see if it had posted.
By the 3rd day of not posting, I started to get worried and tried to get ahold of a representative to find out if there was a problem. The number on the back of the card gives you a different number if you choose the prompt that is supposed to connect you to a representative. I then called that number and got the runaround again. That number did not even give me the option to speak with a person. It asked for my card info, then proceeded to tell me my balance then hung up on me!
I tried several times trying to get a hold of a live person with no such luck. I checked online under their "contact us" tab which was also useless. I tried everyway I could think of to try and reach someone.
My due date then came and passed and my payment still hadnt posted. They then added about $140 in fees to my account! I went in and checked my checking account info that I registered to make my online payment and noticed the last digit of my account number was missing so the payment never posted! I have never made that mistake before, ever, and I triple-checked it before I submitted the payment. It was not missing!
Just to avoid further fees, I very reluctantly made another payment to bring me under my maximum and filed a complaint with the Better Business Bureau. For the next 5 days I had their collection department calling me asking when I was going to make a payment. My story I tried to explain to them fell on deaf ears as they offered no assistance, except to remove the $30 late fee that was assessed. I told them that I shouldnt have any fees on my account since it is absolutely impossible to get in touch with a live person.
Justin
Visalia, California
U.S.A.
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