Report: #881636

Complaint Review: Best Buy

  • Submitted: Fri, May 11, 2012
  • Updated: Tue, May 15, 2012
  • Reported By: jack — Brooklyn New York United States of America
  • Best Buy

    Internet
    United States of America

Best Buy HSBC Retail Service never sent bill, paid amount due, they continued charging financial fees for 6 month, never contacting us, then secretely sent to collections. Internet

*Consumer Comment: Lazy.

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Purchased an AC unit from Best buy. We received 1 bill, made the first payment and then never received a second bill. Made the payment of what was believed to be the final amount, but there was a finance charge that we were unaware of. Believing the charge was paid for we never looked back until 7 months later we ran a credit check and discovered that our account had been sent to collections by HSBC. We were surprised that we never received a phone call or any other notification from either party after that first bill. We contacted the credit agency and paid their amount due before contacting both parties. Best buy was more than willing to give us a gift card for the amount of the charge, and contacted HSBC which they discovered were at fault. HSBC was not willing to help us. All we wanted was for them to write a letter and have our credit repaired, which they refused to do. We had our credit ruined for a $15 late fee.
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This report was posted on Ripoff Report on 05/11/2012 07:08 PM and is a permanent record located here: http://www.ripoffreport.com/reports/best-buy/internet/best-buy-hsbc-retail-service-never-sent-bill-paid-amount-due-they-continued-charging-fin-881636. 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. READ: Foreign websites steal our content

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#1 Consumer Comment

Lazy.

AUTHOR: I am the law - (USA)

Ok, I won't comment on why you weren't receiving your statements. I don't know if you moved, had bad mail service, whatever.... but you admitted that you guessed at what the final price of the unit would be. Guesses are rarely accurate.

If you weren't getting your statements, why didn't you call them to make sure you were current? The bank just has to make a reasonable attempt at billing you; they're not required to call you (assuming they could). They didn't "secretly" do anything. Your lack of follow up is what caused the problem.

And one more thing, your credit doesn't get "ruined" by one late fee. You'd have to do much more than that.
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