Anonymous
Arkansas,#2UPDATE EX-employee responds
Sun, March 02, 2008
Amy If you made a payment on line how did they take additional money from your account? Contrary to what most people think, no company can change the amount of a check "lawfully", that would be considered theft or fraud. You need to speak to a manager and one that is not an idiot ! Better yet ask to speak to a SR. Mgr. however that could be another idiot. If somehow, and I am not sure how, your check amount was changed, (trust me I can't see that happening if you did the check on line yourself) then they have to refund the money PLUS any NSF fees it may have caused. Advise your bank it was fraud but be careful, because you entered the check amount. (see Below) Now if the idiot that told you, you had to pay the late fees to get an extension said you had to pay late fees and you included that 32.04 thinking that it would only be processed if "approved" shame on you! First you don't have to pay a late fee to get the extension. Depends on the level of the collector, ie, a frontend collector earns a bonus on fees collected whereas an advanced collector earns on giving you the extension or getting the payments basically getting the account current. (Stupid but that is how it works) They do not charge , NSF fees, return item fees, etc ! Always, Always, Always, get their full name, not Amy or brenda or Jim, if they do not give the last name ask for manager name or employee ID, they DO have to give you something and remain calm !!! Read FDCP, learn what you need to know and don't take the bullying, ask for an extension 5-9 days before monthend even if your payment is late, they need current accounts at month end . Hope it helps**