I am a customer for Best Buy and have been hit with a late payment only once before,
which after they went over it and checked it, they ended up giving me the proper credit after
probably checking and finding out I was not at fault.
Now I have another late fee charge for paying my bill on time and also for sending my payment early,
I am getting punish for sending in my payments too early, according to them and they are talking about a cycle
of my bill or invoice which I had no idea of, my thinking was anything after the due date has to be counted
for the next billing cycle period, but once again BEST BUY has figure out in a shaddy kind of way I guess
to punish a good customer... I am sorry to say that I will be closing out my account if this doesn't get solve!
This below is how it went down:&
NEW BALANCE PAYMENT $385.00
DUE DATE 3-2
RECOMMENDED MAIL DATE 2-19
TOTAL MINIMUM PAYMENT DUE $10.00
So in 2-22 I sent a payment online for $100.00 dollars for this Bill.
I decided to send my next payment early for my next bill on 3-6, I paid $50.00 online.
My next statement received showed the following:
NEW BALANCE PAYMENT $235.00
DUE DATE 4-2
RECOMMENDED MAIL DATE 3-19
TOTAL MINIMUM PAYMENT DUE $10.00
Because I had made two payments I figure I had taken care of this month bill also, but Best Buy claims I had made
my other payment to early and because of that I has been charge a late fee.
I had no knowledge of a closing cycle or a date of a closing cycle, I figure anything after the due date has to be applied to
the next month? But according to them is not.
Here is the part of the email they sent me... See if you can make sense of what they are saying and you be the judge?
Here is what they wrote to me and their solution to the matter:
Any payment amount received in excess to the minimum payment requested does
not apply as a credit to the next month's minimum payment due. Please pay the
minimum payment when requested on each statement to avoid late fees.
Please be advised that as the payment on your Account for $50.00 was received
on 03/06 and your account cycled on 03/10, the payment was applied
towards the balance on your account, not towards the next month payment.
Any payment amount received in excess to the minimum payment requested does
not apply as a credit to the next month's minimum payment due. Please pay the
minimum payment when requested on each statement to avoid late fees.
We are unable to grant your request to remove late fees from your account.
Payments are due on or before the due dates listed on your billing statement.
All payments received after the due date will incur late fees.
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