- Report: #373320
Report - Rebuttal - Arbitrate
Complaint Review: JC PENNEY CREDIT CARD
JC PENNEY CREDIT CARD6501 Legacy Drive Plano, Texas U.S.A.
JC PENNEY'S CREDIT CARDS CREDITOR CHANGED MAILING ADDRESS WITHOUT CONSENT - NOW ACCOUNT THAT SHOULD BE A 0 BALANCE HAS CHARGES AND SENT TO COLLECTIONS Plano Texas
*Author of original report: FINALLY OVER
*Author of original report: FINALLY SETTLED
*Author of original report: Update - GEMB ignored the letters I sent directly to them
*Author of original report: Experian Removed this NEGATIVE item from my credit report
*Author of original report: Responses I recieved back from GE Money/JCP and Collection Agency
*Author of original report: GE Money Bank is responsible for JC Penney Credit Cards
*Author of original report: JC Penney - Lost account holders information
*Author of original report: I spoke with my local Post Office this morning
*Author of original report: Making unauthorized changes to mailing address in my account records
*Author of original report: If I do not use the card I do not expect a statement
*Consumer Comment: Sounds like you both made a mistake.
Sunday Sept 14th at 10;15 am I received a call from a collection agency that my account has been turned over to collections for non-payment.
I have no idea what the charges are for and never received a statement from JCP. I only receive statements when I actually use the card, and had no reason to be expecting one. So was never aware of these charges.
Sometime after that last statement in Dec that was sent the correct mailing address - JCP changed my mailing address without my authorization - virtually guaranteeing that I will never receive anything via regular mail from them again.
When the account went into default - No attempt was made by JC Penney's to let me know by phone there was a problem with the account.
The first I was aware that there were outstanding charges was when the collection agency called.
The collection agency told me they had received from JCP my street address as my mailing address, NOT the PO Box I provided when I opened the account and where they had sent everything prior to this incident.
I also called JC Penneys and they also have my street address as my mailing address. No one will tell me why the address was changed in my account records. JCPenney claims they no longer have any of my files.
Per the Fair Credit Billing Act JCPenneys is at fault. The rules state "failure to send bills to your current address" makes it their fault. My mailing address never changed - so there was no VALID reason for the change in the first place.
I have received all mail to a PO Box for the last 14 years as I live in a rural area and we do not receive home delivery from the US Postal Service.
If you have a mailing address that is different from your street address - it could happen to you. this is the third creditor to make this unauthorized change to my mailing address.
I could use the assistance of an attorney knowledgable in Fair Credit billing laws. I can find lots of attorneys who will help with Debt Collection law issues, but no luck finding anyone who knows fair credit billing laws.
They are 2 different things.
This report was posted on Ripoff Report on 09/16/2008 07:34 AM and is a permanent record located here: http://www.ripoffreport.com/r/JC-PENNEY-CREDIT-CARD/Plano-Texas-75024/JC-PENNEYS-CREDIT-CARDS-CREDITOR-CHANGED-MAILING-ADDRESS-WITHOUT-CONSENT-NOW-ACCOUNT-TH-373320. 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.
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