We purchased a Sony television on 10/18/04 from Circuit City in Houston, Texas. The terms were 0% interest for 24 months. It was purchased on an account that I had opened several years prior. When the salesman pulled up the account I noticed the old address and advised him then of the new address. While he was setting up the delivery, I again advised him of the new address. He evidently did not correct his system. We did not receive a bill, and in January I received a phone call at work, demanding payment via credit card over the phone. I informed him that I do not make it a practice to give out my credit card numbers over the phone, and told him that I would send out a payment that day. He told me that he would wave the finance charges that had been charged to my account if I made the payment.
I mailed the check that day and it took them 12 days to process, therefore, incurring another late payment and more finance charges. We then received a letter dated 1/29/05, stating that we had 30 days to dispute any of the charges made to my account from Nicole Carter, Account Management Department. A letter was sent out by us on 2/2/05 outlining all of the above, as we were unable to reach anyone by phone. You can't get past the automated system to speak to a live person, even though a phone number is included in their letter. Even though our letter was sent out well within the 30 days, they have still posted a negative entry on my credit report. They are showing me as having paid 60 days late, when I did not even get the bill due to their salesman's neglect. We have asked that the negative entry be corrected, all finance charges applied to be waived, and proof that my credit report has be cleared.
I have always prided myself on a Beacon score of 750, and this came to my attention when I applied to my bank for a $55,000. Loan. The loan officer thought it was a little humorous that after 4 straight pages of perfect entries, this shows up at the very end. Needless to say, I was not amused. I have paid this month's bill and am waiting to see what they have tacked on to the next month's statement. I will then pay the balance in full, minus ANY finance charges, and will never do any business with Circuit City or Bank One (the company they use for their credit account).
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