Been There Done That
Ashburn,#2Consumer Comment
Thu, November 20, 2008
Not sure why there is a "ripoff" here. YOU decided you would deduct the "late fee". How could you be sending a payment in if that payment it would be a negative amount? ($35 payment-$39late fee) they would owe you $4. ANYWAY, what you did is NOT procedurally correct they remove it from your balance NOT your payment amount. It was YOUR error because in sending the revised amount its considered a partial payment and your monthly obligation is not satisfied. While they may not be handling the situation professionally they have done nothing wrong and being primary creditor they are able to contact you by any means to get THEIR money.
Been There Done That
Ashburn,#3Consumer Comment
Thu, November 20, 2008
Not sure why there is a "ripoff" here. YOU decided you would deduct the "late fee". How could you be sending a payment in if that payment it would be a negative amount? ($35 payment-$39late fee) they would owe you $4. ANYWAY, what you did is NOT procedurally correct they remove it from your balance NOT your payment amount. It was YOUR error because in sending the revised amount its considered a partial payment and your monthly obligation is not satisfied. While they may not be handling the situation professionally they have done nothing wrong and being primary creditor they are able to contact you by any means to get THEIR money.
Been There Done That
Ashburn,#4Consumer Comment
Thu, November 20, 2008
Not sure why there is a "ripoff" here. YOU decided you would deduct the "late fee". How could you be sending a payment in if that payment it would be a negative amount? ($35 payment-$39late fee) they would owe you $4. ANYWAY, what you did is NOT procedurally correct they remove it from your balance NOT your payment amount. It was YOUR error because in sending the revised amount its considered a partial payment and your monthly obligation is not satisfied. While they may not be handling the situation professionally they have done nothing wrong and being primary creditor they are able to contact you by any means to get THEIR money.