Prior to a few days ago our experiance with CCB wasn't too bad. Prior to our current issues our only complaint was the massive delay in posting a $300 plus payment, 17 days after the check had cleared our bank. Anyway on to our current problems.
A few days ago on the 13th I remembered that the 13th was our due date. Oh well they have online payment. Yeah the $3 fee sucks but it is better than the late fees. So I paid online. The online pay screen told me we owed $25 as the minimum payment. So I paid $25. Now about Nov 19th we started getting these calls from CCB, the automated system said "we are calling to make sure you have received your statement, if not please call #-#-#" (i don't remember the #) anyway, they didn't give you any way to say YES or NO to the question. I hung up and not an hour later we get the same call. Now it was getting a bit annoying.
This went on for a few days.
We finally decided to call and tell them to quit calling. That is when we found out that we were 34 days late. Hummmm I'm curious how I can be 34 days late when my bill was due on the 13th and we called on the 22nd of the same month.
I was informed that my minimum bill would never be less than $35 and my account was past due for the $10 difference. Remember I paid $25 on the due date. Well the fees sent me over the limit and I was charged another $30 fee for being over the limit.
We argued that the online system told us it was $25 and they basically called me an idiot and a lier. We told them we would pay the next bill ontime. No problem.
Then even more calls started. 2,3 or 4 times a day. Still the automated system asking if we had received our statement. Then we get a call from a human and they tell us we have to pay over the phone or our credit report would be marked REFUSAL TO PAY. Now we aren't refusing to pay, we are just not going to pay over the phone and be charged the $7 fee. I told them I would mail it and they said the only way to not have the refusal to pay put on my credit report is to use their phone pay.
So, now I'm quite pissed about the whole thing. Yes, I was cutting it close on the due date for this last bill, but I have never been late and even paid the card off a time or two. Thats when I began looking on the internet and found the thousands of references to their business practices.
As soon as possible I'm going to pay them off and hopefully be done with them, but if all these other reports are true, even closing the account should be painful.
Brian
Va Beach, Virginia
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