Report: #1134502

Complaint Review: Chevron Texaco Universal Card

  • Submitted: Fri, March 28, 2014
  • Updated: Fri, March 28, 2014
  • Reported By: asap paving inc — buena park California
  • Chevron Texaco Universal Card

    Norcross, Georgia

Chevron Texaco Universal Card Fleetcor Technologies Late fees of 16k + and "risk assessment fees" NEVER LATE Norcross Georgia

*Consumer Comment: I had a VERY similar experience

*Consumer Comment: Dealing with them too

Show customers why they should trust your business over your competitors...

My business has had a chevron card since 1992.  In 2011, we were issued new chevron cards, but they were called Chevron/Texaco Universal Cards"  What we did not realize was it was a new company that chevron transfered us to with a whole new set of terms and conditions.  where they charge up to 25% for a late fee and sometimes a $100/monthly fee for a "risk assessment fee".  All of this is included in your "current activity" on your bill... to actually see this late fee and risk assement fee you have to go to the last page (in our case, page 6 or 7...after all vehicle activity).  Ridiculous and unethical.

Here's where it gets really bad.... we never were late with our payments.  We have documentation showing bills are received on the 28th...mailed out no later than the 1st.  According to chevron, they are not getting these payments until 7-10 days later.  so guess what?!  they are able to charge these ridiuclous fees.

We did not realize we had been paying these fees till yesterday.  We have been paying over 16k in late fees (even though we were on time) and about 3k in assement fees.  Let me remind you, we had an account for 19 years prior with no fees like this....

The managers at chevron/fleetcor credited me back 2 late fees but will not go back any further.

they are no longer available to speak to me or write back to me via email

i am really interested in a class action lawsuit.  i hope some other victims will step up

thank you

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#1 Consumer Comment

I had a VERY similar experience

AUTHOR: Eric S - ()

I unfortunately signed up for this disaster of a card in March 2014.  I really wish that I had researched these online postings before signing up. 

When I initially signed up, I was apparently set up for "Online Statements" without knowing it.  So I was pretty surprised when I got a call from the colelctions department at Chevron Texaco in Mid-May regarding my first invoice being past due.  I explained that I had never recieved an invoice.  She said that all invoices are posted online.  When I told her that I have no idea how to access invoices online, since I didnt sign up for it, she said that she would email me an invoice immediately.  She confirmed my email address and hung up.  The next day I got the exact same phone call from the collections department and went through the EXACT same thing with the new lady saying that she would send me an invoice by email.  The next day (Friday) I got the EXACT same call again.  I explained to her that I requested an emailed invoice and to be taken off of electronic statements.  She stayed on the phone with me while she sent me the statement, which we confirmed that I recieved shortly after.  Then she insisted that I give her electronic checking info over the phone immediately or she would be referring my account to an outside collections agency.  Keep in mind that she has JUST given me my first invoice for this card.  I tell her that I need to have my accounting person reconcile the credit card receipts to the statement and then cut a check which will go out either that day or the following Monday.  The check is cut the following monday, but I got follow up collections calls Monday, Tuesday and Wednesday untiul they recieved the payment.

The following month, I recieved the invoice on June 12th.  It included $415 in late fees and interest.  I called and explained that I hadnt been recieving my invoices and they waived the fees, but added "this will be the one and only courtesy waiver."  I cut the check for the current bill and returned to them on June 13th.  When I got my invoice in July, it showed that they posted my June payment to their system on June 19th, which was conveniently 1 day late, incurring another $415 late fee.  I called the service line and spoke to a gentleman who was surprisingly pleasant and helpful.  I explained that the 14 day payment terms weren't possible to meet considering the time it took them to send out the invoice and then to process my payment on the back end.  In this particular instance, I pointed out that the payment period closed on July 4th and I didnt recieve my statement until July 11th (it was mailed out of thier processing center on July 7th).  The service rep kindly waived my late fee from the prior month.  I asked him if there was any way to extend the payment terms so that I had enough time to get the statement, then a reasonable amount of time to be able to send out payment on it, because in this case, I was going to end up with another late fee for my July payment that was due on the 17th.  He said that he would set up my account to waive any future late fees.  This was clearly too good to be true.  I reconciled the statement with my employee reciepts and mailed out the check on Monday July 14th.

Then the August bill came.  ANOTHER $415 in late fees from that July payment.  It shows that they posted it on Saturday July 19th.  I called the service line again and was told that I had already maxed out all of my fee waivers for the next 12 months.  I asked about my account being given a waiver for all future late/interest fees and the lady laughed.  "oh, no, no, no, that was not presented as an option to you.  I'm looking at the notes from your conversation on July 11th and the service rep clearly states that he told you that this would be the absolute last fee and interest waiver that we can give you and that he advised you to pay your bill on-time in the future."  I was absolutely FLOORED.  I now KNEW 100% that these guys were downright criminal and shady.  I asked to speak to a supervisor and was told that none were available, but that she could set me up for a callback.  OH, and now that I've reached this stage, she advised me that I can apply to extend my payment terms from 14 days to 21 days.  Now why in the world wasnt I given this information in any of the prior months calls regarding the obscene and unattainable turnaround times?!?!  So she "applied" for an extension for me and set me up for a supervisor callback.  I reconciled the statement, backed out the late fees and interest charged and mailed the payment CERTIFIED RETURN RECIEPT, since I now knew how shady they are.  Fast forward to yesterday 8/19.  My return reciept comes back, stamped as recieved on August 14th (Thursday).  My payment due date is Sunday, August 17th.  I make another call to the service line to follow up with a supervisor since I never got the "scheduled follow up call" that I was supposed to get the week before.  I happened to get the exact same service person as the prior week.  She advised me that a supervisor looked over my account and deemed the charges as acceptable and didn't allow a refund of the fees/interest.  She said that her notes showed that the supervisor called me back and "left a message" on the 12th.  I asked about my current invoice and wether they had recieved payment.  She said that she showed that it was posted to my account on the....... 18TH!  Conveniently incurring yet another $400+ in late fees and interest that as we know is now unreversable, because I've used all of my fee waivers for the next 12 months.  I ask to speak to a supervisor an this gal says "no, I cant allow you to speak to one.  There isnt anything that we can do.  If you'd like to pursue this further, send it in writing to the address on your statement."  I said, ok, thats fine, no need to pursue this further, but I'd still like to speak to a supervisor.  "No, I cant let you speak to one.  I'll be glad to set you up for a callback though."  I chuckled in my head, because I already knew how the callbacks worked.  So I suggested waiting on the line and I didn't mind however long it may take to get to a supervisor.  She said that she couldnt allow me to do that, because she had to clear the line.  Then she hung up on me.  At this point I was pretty fired up, so I called back and talked to a different lady.  I spent 5-7 minutes expalining what happended and she put me through to a supervisor who was incredibly unhelpful.  I asked the supervisor what days they posted payments.  She said they post payments Monday-Friday and are closed for the weekends.  I asked if this was consistent with the terms of my account.  She said ALL payments are posted Monday-Friday.  Then I aseked how then was it possible that my prior month payment in July that was a day late was posted to my account on SATURDAY July 19th.  She said that she had no idea how that happened, but that my payment was clearly late anyhow.  I asked about my current payment that I sent certified that showed they recieved it on the 14th and posted on the 18th.  She said that just because I show that it hit their lockbox on the 14th, doesnt mean they got it on the 14th, because they pick up sporadically throughout the day from 7am to 3pm, so it may have been there after that.  So, I asked, "Can we agree though, that no matter what time it was there on Thursday the 14th, that you DEFINITELY would have picked it up with the first load from the lockbox on Friday?"  She said, well, its possible, but it depends on what time it got there on Thursday.  I was confused on this, since no matter what time it got there Thursday, it should be sitting there on Friday.  I took this as her trying to leave open the possibility that the postal service screwed something up out of their power.  But then, low and behold, I look at the check in my online banking.  The endorsement stamping on the back of the check shows 8/15/14.  So now we KNOW that they had the check in hand on Friday the 15th, yet it still wasnt posted until the following Monday.  (I went back to July and it similarly had an endorsement date of 7/18, the day before it posted to my account)  The supervisor explained that their internal processing times vary, so according to my terms and conditions, I really need to send out payment 7-10 business days prior to the due date to be sure its on time.  I asked how that is possible when recieving the statment 5 business days prior to the due date, and she simply said "we arent responsible for postal delays."  I also asked about them recording customer service phone calls.  She said that they did recored them.  I asked if she would be able to go back and listen to my call from July 11th where I was told that I wouldnt be incurring these charges anymore.  She said that it was a little over a month old, so she MAY still be able to access it, but that it wouldnt be quickly.  I asked what kind of turn around time I'd be looking at and she said that she wouldnt be able to get to it until the end of next week "at the earliest."  So I asked that "if there is only a slight chance that you can still access the recording right now, isnt it sure to be gone by the end of next week?"  To which she responded "is there something else that I can help you with?"  Clearly in no mood to try to resolve the situation.  I asked for and recieved an account cancellation form and sent it back in today.  I cant continue to go through this on a monthly basis over a stupid gas card.

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#2 Consumer Comment

Dealing with them too

AUTHOR: Cris D - ()

I just found out that my bills are due 2 weeks apart and if your late your charged a $75 late fee. I was not receiving either emails or mail statements and checked my online statement. I had a $23 charge which is now $178 because $2359 is late fees. I'm furious. Granted it's not 16k...But it's still not right. 


I read on consumer rights that we are suppose to have 21 days on our credit card terms to pay. With this card you have less than 13. I'm checking into this with the FTC. 

I can't imagine how this company can legitimately get away with these fees? It's a rip off!! 

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