I always paid the balance of my account in full. (They obvisiouly do not like this.) Oct 2, 2005 was the due date for 103.30 I paid this via net 9/22/05, leaving a balance of 0.00, for the month of November. It wasnt untill Dec I relized they charged me a finance charge of 1.31 for Nov. and Charged a late fee of 39.00 against the 1.31 added 4.00 for something. I was never able to get an answer for that.
I called and spoke with Melxxx but she refused to drop any of the charges but could not tell me how the charges was calculated or why I was charged anything on a 0.00 balance. I called back and spoke with Crixxx but I got the same thing, So I told her to cancel my card and I would be disputing the charges.
During the course of 3 to 4 certified letters asking for verification of the charges and cease and desist letters I got countless phone calls. They were rude and down right hateful. They continued to add late fees and bogus charges amounting to 219.21, during the dispute.
The last certified dispute letter I wrote, again asked for written verification of the debt and what they say the money I owe is for and how they calculated etc. They responded with a letter stating they reviewed my account and found nothing to support a dispute of the balance. They advised me the matter is considered closed and they will not be corresoonding further, and would be turning me over to a collection agency.
I am thinking that maybe they cant find a way to multiply any number by 0 and get anything but 0 either.(couldnt they have just as easily sent the written verifaction of their findings and calculations?)
They have refused to comply with the Fair Debt Collection Practice (809) and send validation of the debt after repeated request. They have placed this account with National Finance Systems, Inc. for collection.