I am at a loss. My child had a Banana Republic (BR) account. I called the company to pay the balance off since she no longer lived in the US. I called the number on the statement, asked for the balance and stated I wanted to pay the balance in full. They gave me the balance, I paid and all was good. The next statement I recieved I shredded thinking the payment just crossed with the statement.
I then got a notice from a collection agency stating she owed $170.00. I called and requested copies of the statements and informed them I had paid the account in full.
When I recieved the statements they showed my paying off the account. Then showing on the statement the next day was a pay by phone fee of $10.00. I was not told of this charge when I spoke with the company on the phone to pay the balance off. I sent the company a letter along with all the documents showing the balance had been paid off and if there was a charge it should have been disclosed to me at the time. I did not hear from them after that.
Fast forward 4 years and now I get a letter from Midland collecting $170.00 for this account. I called Larry from Midland stating that this had been resolved with the company and I would fax them all my documents along with a copy of the power of attorney I have for my child. Now I am getting calls at work and at home and they are just asking for my child, like they are a long lost friend and when I say they are not home they just hang up.
Does anyone have a similar situation? How can you be charged a pay by phone fee without that being disclosed when you pay by phone? Who is to say that the charge was not going to be $1000.00?