For many years my Spiegel account has been through the First Consumer National Bank (FCNB) and I have never had a problem. I have online billing and every month without fail, a check is disbursed for my Spiegel account.
I started having problems last month. My Spiegel bill indicated payment had not been received and there was a late charge for $35. Immediately I called my bank to verify that a check was disbursed and cashed. I was not surprised to learn that my payment had indeed cleared, so my next phone call was to the telephone number listed on the back of the Spiegel statement. I was connected to an automated operator and given instructions to WRITE to Card Processing Center in Old Bethpage, NY.
It isn't until after the Card Processing Center responds to my letter and after many many phone calls to 866-503-XXXX, that I learn FCNB is no longer in business. I also learn that the Card Processing Center is the new company now in charge of my balance to Spiegel. NOW I know why they are claiming not to have received my payment... It's a new company at a completely new address!
I think the Card Processing Center's name is extremely misleading which I honestly believe was deliberate. Their name allows you to believe you are sending your payment to a processing center for the company you have always done business with and I think that is deliberate. Finding the phone number to an actual person requires heavy duty investigation work. Just when you think you've finally found someone to discuss the issue, you are once again given instructions to write a letter and wait for a response -- which I have done several times already.
I've decided to report Spiegel as well as the Card Processing Center of Old Bethpage, NY to the Better Business Burea, but would appreciate any information that would allow me to get money sent to FCNB that was not credited to my Spiegel account.
New York, New York