- Report: #465201
Report - Rebuttal - Arbitrate
Complaint Review: Creditors Interchange
Creditors Interchange80 Holtz Dr. Buffalo, New York U.S.A.
Creditors Interchange Just trying to pay my bill!?!?!? Buffalo New York
*Consumer Comment: Advice for Steve
A business' first
line of defense
on the Internet.
If your business is
willing to make a
Click here now..
So recently I have been getting calls from their company & they never leave a voicemail so I've never tried to call them back, I figured no message equals not very important. The other day while I was at work, I was expecting a call on my cell from an 800 number. The phone rang, caller ID showed a random 800 number & I picked up. It wasn't who i was expecting the call from, it was Racquel Calhoun from Creditor's Interchange & she proceeded to tell me that my payments have been consistantly late. I told her that I have been paying over my minimum payment of $50 & that i was at work & I didn't have my financial records in front of me for reference so that i could prove her wrong & that i would have to get back with her.
After some light arguing between the two of us, i told her that she ought to mellow out, that she sounded stressed out to the max & that she needed a drink or something. Well needless to say, that didn't go over very well with her. I regret saying anything now but she got me flustered & I said it. We both hung up on each other in a tizzy.
I gathered my financial records & there it was, my payments were all made EARLY. She stated that my due date was the 5th of every month & my records showed them receiving my electronic bank payments of $200 on 3/24/09, 4/28/09, another on 5/19/09, and all my other payments that consistently followed that payment pattern from previous months & they were all well in advance of my "due date" which they don't print on their monthly statements by the way.
So I brought my financial records to work yesterday & called them on a break to clarify this issue. Racquel stated that if my payment is not received by them within a 5 day window of my due date, the 1st through the 5th, that payment falls back to the previous month & my account is then subject to late fee's. I laughed & said that's crazy talk, can you repeat that? She did, it was the same.
Then out of nowhere she says "please don't raise your voice to me sir". I reply with "wha? I didn't raise my voice at all, i'm trying to be calm about this. I just can't believe what you just told me. I'm voluntarily paying 4 times what my minimum payment is & I'm paying it early as well. There should be no problem at all. You guys should be happy with me as a customer".
She comes back with "sir I don't need this sarcasm & your payments are late & you are not a customer." & then she screams into the phone "You are not a customer, you are a DEBTOR. A DEBTOR SIR, YOU ARE A DEBTOR." I say "look this is going nowhere & I'm about to really lose my cool here. I need to speak to your supervisor NOW."
She transfers me to a Leonard Barnes who tells me he is Racquel's manager.
I tell Leonard my story & about the "due date" thing that Racquel told me. He then states that my due date is revolving. That I have 30 days from my previous payment to get another payment in or it's late. Since my March payment was received on the 24th of March & April on the 28th, that's late by 3 days. I say what happened to the 5th of every month & that i would like to see a copy of that agreement & that i never would have agreed to such a thing.
After that being said, he refused to send me anything in writing & I asked for his supervisor's name. He replied with a sarcastic "My Supervisor?" & abruptly ended the call by saying "Look, I don't have time for this anymore" & then he hung up on me. I was dumbfounded, I couldn't believe that this guy was actually speaking to me in this manner. It took everything in me to keep from throwing the phone at a wall.
So I ran across this website, ripoffreport.com, & did some reading up on ol' Creditor's Interchange. I figured that I'd fire off a cease & desist letter to stop the phone calls & then quietly finish my payments for the next few months which may or may not be subject to late fee's & then write the company off with a "glad i don't have to deal with those effer's again", unless you guys have other advice. My goal is to not to get out of paying my bill, I charged up the card & I will pay the balance off, I just wouldn't mind giving this company a nice screwing in the process if possible.
That's my story,
Steve from arlington
This report was posted on Ripoff Report on 06/26/2009 09:19 AM and is a permanent record located here: http://www.ripoffreport.com/r/Creditors-Interchange/Buffalo-New-York-14225/Creditors-Interchange-Just-trying-to-pay-my-bill-Buffalo-New-York-465201. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
- Keep the name short & simple, and try different variations of the name.
- Do not include ".com", "S", "Inc.", "Corp", or "LLC" at the end of the Company name.
- Use only the first/main part of a name to get best results.
- Only search one name at a time if Company has many AKA's.
Advertisers above have met our
strict standards for business conduct.