Complaint / review text:
I have a Best Buy "Same as Cash" account that is handled by HRS. Every other time I bought something at Best Buy and put it on this "same as cash" plan, no payment was due until the promotional expiration date.
However, for reasons known only to HRS, my last purchase was put on a "minimum payment" plan until the promotional expiration date. So I got a bill for May that said I owed a minimum payment of $10, which I overlooked. I paid the entire account balance the very next month, before the promotional expiration date listed on the bill. THREE MONTHS LATER I received a bill from HRS for $126.21.
Upon investigation, they had billed me a $29 late fee for missing the $10 payment in May, even though I paid the entire account off the next month before the due date. I received no statement from them until three months later, and they continued to charge late fees on the late fees for a balance that was PAID OFF.
The customer service staff was rude and even though I had spent thousands of dollars at Best Buy and used this account with years of good standing and excellent payment history, they basically told me it was too bad and that I had to pay them late fees on the late fees for which I never got statements!
THIS IS OUTRAGEOUS! Not only will I never use this account again, I will probably never make another major purchase at Best Buy!