I paid my monthly instalment. Because of a mistake by my bank - let a cancelled check go thru - my check was returned.
On goes a NSF fee, late fee and over the limit fee. Then another two lots of late and over limit fees. All in the space of not even one month.
I sent a money order to pay the next months payment. Was told over the phone that payment was no good - paid the NSF fee. Sorry if the NSF fee was part of my balance, the payment was good and on time.
The customer service reps are exremely rude. Denied ever receiving a letter of explanation. Then got told when I said that I was dealing with this in writing and not over the phone that I was refusing to pay and my account was being forwarded to a collection agency. It is my right to deal with this in writing - it even says so on the back of their statement!
I paid 90c and got a proof of mailing of the next letter I wrote and sent asking for my account to be closed and enclosed was my card cut up into about 10 pieces!
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