Kohl's Department Store Opened a New Account - MISTAKENLY did't hit send upon paying the bill on time Apache Junction Arizona

To the "Former Employee of Kohl's"

So are you now a "Door Greeter" at Walmart"?

I just hate it when people make a mistake but feel the need to blame everybody else rather than take some responsibility. We'll probably never know whether or not you "didn't hit send" but my guess is that you did indeed make a mistake. Some of those online bill pay sites are tricky and you have to navigate several pages before the payment is actually sent. Could Kohl's and Chase (who processes Kohl's charge accounts) make it easier and faster to pay on the website? Probably. (then there would be a whole slew of complaints because people accidentally paid the wrong amount or from the wrong account) But that doesn't absolve you from all responsibility. What happened to printing the payment confirmation page? Seems like common sense to me. I always do it for my bills, as does every other intelligent consumer out there. It's called a paper trail. It gives you double protection because 1. If you make a habit of printing payment confirmations, you'll never forget to hit that last send button because you can't reach the confirmation page until the payment is sent; and 2. If the bank/company screws up you have proof and a confirmation number that shows you made the payment on time. Did you not notice when the payment never appeared on your bank statement? Or do you just not read your bank statements? Might want to start doing that too- who knows what you might be paying for every month. As for throwing out the next statement, I can sympathize with your dislike of junk mail, but Kohl's and Chase did make a reasonable attempt to contact you so you can't really blame them. As for BoA's actions, I can understand your frustration but welcome to the real world. The recent lending laws will change things a little bit, but the credit card companies still have a great deal of power. Legal? Yes. Ethical? A bit of a gray area. Ultimately its the way things are and for better or worse, we as consumers don't have much power over it. I wish you the best and hope you will take basic steps to prevent this in the future.

And yes, I am a former employee of Kohl's, but I worked at the store level so I really had nothing to do with payment processing. I'm writing this as more of a consumer rebuttal.

I just hate it when people make a mistake but feel the need to blame everybody else rather than take some responsibility. We'll probably never know whether or not you "didn't hit send" but my guess is that you did indeed make a mistake. Some of those online bill pay sites are tricky and you have to navigate several pages before the payment is actually sent. Could Kohl's and Chase (who processes Kohl's charge accounts) make it easier and faster to pay on the website? Probably. (then there would be a whole slew of complaints because people accidentally paid the wrong amount or from the wrong account) But that doesn't absolve you from all responsibility. What happened to printing the payment confirmation page? Seems like common sense to me. I always do it for my bills, as does every other intelligent consumer out there. It's called a paper trail. It gives you double protection because 1. If you make a habit of printing payment confirmations, you'll never forget to hit that last send button because you can't reach the confirmation page until the payment is sent; and 2. If the bank screws up you have proof and a confirmation number that shows you made the payment on time. Did you not notice when the payment never appeared on your bank statement? Or do you just not read your bank statements? Might want to start doing that too- who knows what you might be paying for every month. As for throwing out the next statement, I can sympathize with your dislike of junk mail, but Kohl's and Chase did make a reasonable attempt to contact you so you can't really blame them. As for BoA's actions, I can understand your frustration but welcome to the real world. The recent lending laws will change things a little bit, but the credit card companies still have a great deal of power. Legal? Yes. Ethical? A bit of a gray area. Ultimately its the way things are and for better or worse, we as consumers don't have much power over it. I wish you the best and hope you will take basic steps to prevent this in the future.

And yes, I am a former employee of Kohl's, but I worked at the store level so I really had nothing to do with payment processing. I'm writing this as more of a consumer rebuttal.