Walmart Credit Card Services Fee Extortions Nationwide
On 3/4/2015 paid walmart card off in full $222.84. On 3/13/2015 purchased $49.81 in merchandise.
Paid $10.00 on 3/20/2015 $10.00 on 3/27/2015 and $10.00 on 4/3/2015 leaving Balance of $19.81 as of
4/3/2015. Called on 4/20/2015 to pay off and discovered they assessed me a late fee of $35.00 on 4/11/2015.
Less than 30 days of my purchase. WOW
I paid 75% of my bill before the next cycle (within 30 days) and they charged me a late fee of $35.00..
After arguing with them Anna Juaneza agreed to remove late fees in exchange of me closing the account.
I attempted to pay the $20.81 off with my Navy visa debit card and all of a sudden their system would not reconize the card.
I was told to go to store and pay off the $20.81 . 15 mins later my account shows closed by customer but the fee is still showing and not removed as agreed on.
This women never attempted to solve the issue only insisting that I pay the charge because of a billing cycle.????
Even is my billing cycle started on the 11th of every month clearly I paid the min charge by the billing cycle. There fore there should be no fees other than interest on $20.81....
This is a RIP-OFF and Extortion of FEES...I can only Imagine how many people they do this too.
1 Updates & Rebuttals
Robert
Irvine,California,
USA
Dates
#2Consumer Comment
Tue, April 21, 2015
There are a couple of key dates, your "Closing" date and your "Due" date.
These dates may not be the same, and actually with just about every credit card are NOT the same. There is generally about a week(give or take a few days) between the payment due date and the "closing" date. So it doesn't mater if you paid 99% of your balance by the closing date, if you did not pay at least the minumum due by the due date you are considered late and will be assessed a late fee.
A second part to this is that any payment made applies to that bills cycle, it is actually against the federal regulation to apply it to a different period. So if for example your closing date was actually the 23rd, your $10 payment on the 20th would apply to the previous bill and not go toward the minimum payment due in the next cycle.
So what do your statements(Paper or E-Statement) say? If they shows you made at least the minimum payment due in that billing cycle by the due date..you have a valid complaint. However, I have a feeling this is a case where you failed to look at your statement and the acutal dates.