I received a letter in late January from Washington Mutual stating they would be changing our service over to Chase Bank so I thought maybe the billing cycle date was going to change as well and I never received a bill. Then I get a letter in the mail stating it was a friendly reminder to send a payment, at which I immediately called to let them know I did not receive my bill so I made a electronic payment as I always do thru my checking account for the amount they were requesting in the letter that same day.
When I asked if I would be charged a late fee I was told they could not do anything about it because my payment was late. So, I paid the bill and then waited 5 days (as I was instructed to do) for the payment to be posted to my account. Then I call back andget a extremely rude rep on the phone that said they could not help me and did not offer me any options as far as disputing or appeling this decision, rather he said he would just cancel my account.
I called back and asked to speak to a supervisor and they told me they couldn't help either. I then sent a written appeal disputing the late charge and was again told I would not be credited. I have asked them to send me a copy of the statement that I never received, and to this day I have not received anything. My statement date on one bill is closing date 12-3-08, then the next one with the late charge is dated 2-3-09.
In response to my written dispute from Chase Bank they sent me a letter with 'tips for avoiding late fees'. Did they even review anything I sent? I doubt it! I am appalled that they can not understand why my payment was late. It obiviously wouldn't have been late had they sent me a bill in the first palce. I realize there are people that may call in saying they never received their bill, but if they looked at my payment history they would find that I have never been late with a payment once!
I really thought that Chase Bank would be more considerate than Washington Mutual was to me since they might have been losing their jobs, because I have never had a credit card company NOT fight to keep my business until now. Its only 39.00 but it is the principal and I still do not no what was on my credit card for the month of January.
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