Citizens Bank at RBS Kroger Personal Finance, The PO Box# on our website is incorrect. We have not received your check although we received it on the statement. Our statement closes later than you think and begins earlier. New accounting! Internet

Kroger does not have an easy way to send customer email. They charge a fee to pay a balance by telephone. They do not have a "grace period." Even if you have been a reliable customer since 2007 or earlier, they will not give an hour or minute after 2:00 pm on the "due date." The balance is not clear. Look for "previous balance," "current balance," and "new balance," if you can determine which one is real. The "current balance" only on the website includes their finance charge or other fees that do not appear on the "transactions." You must wait another month! There is no such thing as "automatic payment" no matter how well intentioned you are or how long you have been a customer, just like "no free lunch." Kroger has made that clear to me. They will get you a $20, $39, and then any "finance charge" that the customer rep will tell you cannot be reversed (under any circumstance, even if you were abused and a victim of their deceit). At most, they are a poor customer care company. Talking with "Sherri" at KPF before noon on January 4, (maybe after 2:00 p.m. in Scotland), I was told that they had not received our check that was due on January 4 although the future statements show it was received on that date. Sherri agreed to take a telephone payment and reverse "any" charges for that and the "stopped check" that she said had gone to the wrong PO Box (42022 in Providence RI). They "double-dipped" and took both large payments for over $10,000 on Jan 4 (according to their records). The next representative at KPF said that "Sherri" didn't have the right to tell us anything. I could go on and on, but am trying to get over the deceit and abuse. I pray you can and will help. May this help someone not to be a victim of this or other credit card deceit.