Ryan recently went to a clinic operated by Western Dental Centers, a franchise that operates in California, Arizona and Nevada, and now he regrets that decision. He writes that first he was forced to endure $800 worth of upsells while he was stuck in the chair, even though he was just going in for a cleaning. What happened with billing, though, was worse and may lead to lasting credit issues. [More]
A man in Tennessee has been banned from ever entering any Regions Bank branch again, because the bank says he was so disruptive and hostile to their employees that they were forced to seek a restraining order. The cause of the dispute was a $29 late fee on an account where the bank had moved up the due date but hadn’t noted it on the online version of the account. [More]
A woman in Iowa was arrested last week for the theft of three video tapes from a local video store. She rented them in May of 1998, and a charge was filed against her in September of that same year after she repeatedly neglected to return them.
An anonymous reader says both his and his wife’s Discover cards—the accounts are separate—had their due dates moved up by four days in June. He called Discover, “and they stated that they sent out notices in the mail 45 days in advance warning of the change, which I don’t remember seeing. Regardless, they were able to revert my due date starting in July. You may want to have your readers closely check their Discover Card statements.”
Jason writes, “My wife just sent me an email saying that she paid ‘too early’ (before the new statement was generated) and got charged a ‘Late Fee’ of $29!” He says she called Capital One and got the fee waived, but it’s a good reminder that if you make a payment before the new statement period begins, your card provider will likely apply the payment to the previous statement period, and will still expect a fresh payment from you by the new due date. Just make sure your payments aren’t scheduled so early that they’re applied to the past and you’ll be fine.
Although it has yet to pass into law, the Tennessee Senate Commerce Committee has approved a bill that requires creditors to count the postmark date of a payment as the payment date, not the day they say they receive it.
Mike used an Office Depot Visa card issued through Chase to take advantage of a pay-no-interest deal through 2008. He paid off the remaining balance a couple of days before the offer period ended, but Chase still slapped him with a nearly $40 interest charge. Why? Because they’ve been “having problems like that” with Office Depot cards.
Got a Chase credit card? Check your bill to see if the due date shrunk. For the past ten months, the due date on reader NDphoxylady’s four Chase credit card due date was the fifteenth. Then, without warning or notice, it became the tenth. NDphoxylady only noticed when she was charged a $39 late fee and a $20 finance charge. When she complained to Chase, they told her that simply changing the due date on the bill was adequate notice. Nu-uh