AT & T Universal Credit Card Finance Charge Rip Off St. Louis Missouri

First off all, they hiked up my interest rate when I was 2 days late on a payment. Due date was the 6th, they received the payment on the 8th. I mail the payment the same time every month, not my fault if there was a delay with the post office.

After they refused to waive any late fees, ect. We decided we were through with this card. We paid off the balance of over $5,000. I called to get the balance the day I mailed the payment. I sent a check for that exact amount. I received a bill the following month for $80 in finance charges. They say these are on the balance for 20 days or so in that cycle. I said I just mailed you $5000 you can't waive $80 in finance charges. The answer was no.

I am going to call back and talk to a supervisor but by the way it sounds that will not do me any good. I am thinking about not paying and putting in a dispute with the credit bureau. But I have excellent credit and don't really want to take a chance of ruining it. This company has no customer service, I would love to get in on any class action suits.

Lisa
Manchester, Missouri
U.S.A.