Household Credit - Household Bank ripoff Send your payment certified mail with a signiture or some type of delivery confirmation of the day they received it. Baltimore Maryland
I was being charge late fees on my Household Bank Card, when my payments were being sent in plenty of time. So I decided to mail my payments directly through the post office with conformation of delivery.
Household Bank was still charging me late charges, I told them I had proof they received my payment through the post office, so they reversed the over the limit fee.
This month I mailed my payment regular mail in plenty of time, and was charged a late fee. I called them on the day it was due they told me payments are processed the day they come in. If I wanted to make a payment over the phone I could stop the late fees. I told them the payment should be there and that I mailed out more than my minimum due.
My payment was due on the 16th of the month which was a Friday. I called Saturday they still hadn't received it. Sunday there was no mail delivery, and Monday there was no mail delivery because it was a holiday.
Guess what they received it on Monday and processed it. Tell me how that can be when there was no mail delivery. I suggest to anyone making payments send it certified mail with a signiture or some type of delivery confirmation of the day they received it. They can't dispute the day it was received when you have proof from the post office.
Michele
Pittsfield, Massachusetts
U.S.A.
2 Updates & Rebuttals
Michele
Pittsfield,Massachusetts,
U.S.A.
Someone Changed my address
#3Author of original report
Thu, February 05, 2004
I was waiting for my next bill with a statement date of Jan. 22. I called Household on Jan. 30th asking where my bill was. They told me it is probably late to to the weather conditions. I waited until Monday the 2nd of Feb. Called them back. They asked to verify my infomation. My address was changed to an address that doesn't even exsist. I asked how this could happen. They said they received a letter requesting a change of address. I asked them for a copy of the letter. The could not produce it. Someone called the mailroom, and they said they received a change of address from the post office. I said this is not possibe. They said I should close this account, and they would reissue me another card. I told them not to close it until I get to the bottom of this. I then called the post office, and they told me there was no change of address put in. Therefore my address is still the same. I called Household bank back, and talked to a supervisor who told me that my address was changed by the same person that reversed my late fee. He said this took place a few minutes after I got off the phone with her. Also I found out the closed my account and reissued me another card, after I asked them not to. I have now filed complaints with the Fedral Trade Commission, my local police department and the OCC. I am also looking to seek legal advice for tampering with my account information.
Michele
Pittsfield,Massachusetts,
U.S.A.
They finally reversed my late charge
#3Author of original report
Thu, January 22, 2004
I did some research on my account and found that the billing date cycle for my last months bill was for only 29 days, and was suppose to be for 30 days. So that brought my due date up one more day, which made my payment due on that Saturday. Even though household told me the payment came in after 1:00 on that Saturday I was still late. I said that is not true you have a PO Box and mail delivery to PO boxes are processed before 10:30 am. Therefore my payment was there before 1:00 on Saturday. They finally reversed my late charge of $29.00.