I just got my credit card statement and there was a finacial chareg for $25.  I tried explaing to the lady I did not get my statement in the mail.  She said she couldn't do anything about it.  Well I tried to tell her it could of been put in another mailbox, and that I never had a late payment before.  Well the b i t c h hung up on me.  Her finally words, its late and I can't do anything about it.  What can I do?
201740
If it's was over thirty days there is nothing they will do, and the "I never got the bill" never works because it is the most commonly used excuse. I would call back and request to speak to the shift manager or floor supervisor and tell them how upset you are with the service received by their employee, state the entire situation (facts only, without emotion or hysterics.) ask them to review your file and show where you've never been late and ask if they will kindly remove the charge as a one time service. Understand they keep records and you may only be able to try this once. make sure they know you are upset with the previous CSR and will make your disatisfaction known to a higher supervisor.
477139
Ok, were your payments completely and 100% up to date.  If they were, then the bank had no right to take your money.  You were fulfilling your agreement with the bank.  However, if you were behind on payment(s) and had a history of being behind, then the bank probably got you on something that was in the credit card agreement.\n\nLook at it this way, you are being weened from credit cards.  Get away from them, they are a waste of money.  Get a check card and don't look back.  Find a different bank too.  One with a bit better customer service.
305664
Did you give details of your bank account before you switched off? If not you wont be charged, if you did then call up your bank and cancel the direct debit, that way they cant get to your money. If you did it some other way just cancel it.
220476
Sounds like you might have either a) gotten ripped off outright by this company, or b)you went to a site that was an "evil twin" of the real company's site run by scammers. \n\nIf you used a credit card, do these things without delay: first, call the card issuer, cancel the card, and have them issue a replacement with a different number. This will keep them from putting more charges on your card. Secondly, file a "chargeback" with the card company for the amount in question. Explain the whole situation from start to finish, and the card company will credit the amount back to your card. You are covered against card fraud. It will be then up to them to prove they shipped the product (which they obviously didn't), it may lead to their prosecution if they've done this to others, and best of all, you will have your $$$ back. Hope this info helps you out. Good Luck.
339639
I got an increase about a year after I received my capital one card.  And the sad thing is you can't just call and ask for one because they don't do it.  So all you have to do is keep paying on time.  Keep your balance relatively medium-ish - eventually they will increase it without you knowing.  The plus side to waiting is that you DON't hav the higher limit.  LOL.
622029
I believe I heard they do not have to accept it. But send it in -if you had to go to court that would show you tried rather if they sent in back or cashed it. They can sometimes charge enormous late fees (handing, not enough, interest etc). Which might add up to what you sent in(so you gained nothing)\n  It could be one of those Darn if you do and Darn if you Don't things.\n Try talking with a supervisor first and explain many times they will work it out. \n Just my suggestions for who ever needs it.\n\n\nI see meanest from someone.
521738
CALL THE CREDIT CARD COMPANY AND FILE A CLAIM!!!!\n\nDO IT IMMEDIATELY\n\nThey will be able to help you on the next steps.
118345
Call the company, and be firm.  \n\nI warn you.  They'll try to persuade you to keep the account. I argued with one "representative" for nearly 15 minutes.  I grew more angry over the length of the call, and (sorry) began a bit of profanity towards him/her.\nAlso, write a letter (and keep a copy of it).  Keep it brief and simple.\n\nExpect your request to be satisfied immediately.
107291
I highly suggest you look at your past statement and find out the website address where your bank keeps its online website for credit cards.  If you don't have a past statement, google could no doubt get it for you, or the people at the 800# on the back of your credit card will know it. Then get on the website, register yourself on the site, and then you will be able to bring up a copy of your latest statement, including past statements (usually 6 months) and even current activity.\n\nThen in the future if you don't get a statement, it's always easy to get the information you need off your computer.\n\nYou can even go a step further and open a checking account that has free electronic bill pay (Bank of America, Chase, and Citibank are three).  Then you won't even need the credit card company's payment ticket and envelope to pay your monthly bill.  Depending on the bank, electronic payments get to their destination in 0 - 2 days if they have electronic payment arrangements with your bank.  All the credit card companies do, based on my experience.  My experience is Chase's electronic payments go the fastest, sometimes getting there the same day.  Bank of America's always take exactly 2 days.  Weird!\n\nOne more bit of advice.  I've found that all the credit card companies are flexible as to when their individual statements close for the month.  If you call each company and get all your credit card biils and other bills coming it about the same time every month, it's easier to know when you're missing something and go looking for the information necessary to get them paid on time.
302459
tell the bank so they can make a record of the mistake b/c karma is a bitch, it will always come back to you. besides you never know if the money you are spend is someone bill money...
148161
What is it you are trying to do?  Remove a past credit listing placed because you were late with car loan payments?\n\nKeep in mind that now the loan is paid off they may not want to cooperte with you on this.  Just ask them politely.  Tell them you have paid off the loan, you are an active credit union menber and would appreciate if they can help you restore your credit.  At least have the listing updated to show the loan is paid in full.\n\nTalk to someone in the collections department.  They know what a letter of deletion is, they are acting stupid!
423738
I would call your credit card and tell them what happened.  Then always remember to mark out every line and write the total in yourself.  They can and do Dr. up your receipt if you're not careful.
439628
Unfortunately the problem is probably all with Ebay and it will do little or nothing to help you.  I joined Ebay in 1997 was both a seller and a buyer and the same credit card that I have been using there for years, was suddenly no good to recieve a $5.47 credit.  I finally told them to keep the money and closed the whole account.  Ebay has become one massive, bloated, unresponsive bureaucracy.  My suggestion, is keep the card, drop Ebay.
216734
THE FIRST CREDIT CARD I GOT WAS FROM THE WOMEN'S EXPRESS STORE ABOUT A YEAR AN A HALF AGO. IT WAS A CREDIT LIMIT OF $150. AFTER I PAID ON IT FAITHFULLY FOR ABOUT 6 MONTHS, I STARTED GETTING CREDIT CARDS OFFERS IN THE MAIL. I FOUND SOME GOOD ONES WITH A FIXED RATE AND I WAS APPROVED FOR ONE OF THEM WITH A $1000 CREDIT LIMIT. I PAID THEM OFF, BUT LEFT THEM OPEN WITH A $0 BALANCE. THAT'S THE BEST WAY TO RAISE YOUR CREDIT SCORE. SO NOW I GET AT LEAST 2 CREDIT CARD OFFERS A DAY AND HAVE A CREDIT CARD WITH A BALANCE WITH $3000 NOW. (DON'T WORRY, I CAN PAY FOR THAT) :-) BUT JUST MAKE SURE YOU CAN PAY FOR THE BALANCE CUZ YOU DON'T WANT TO GET YOURSELF IN CREDIT CARD DEBT. SO START OFF WITH A SMALL RETAIL STORE, THEN EVENTUALLY YOU'LL MOVE INTO BIGGER CREDIT CARD COMPANIES. GOOD LUCK!\n\nPS. SO WITHIN A YEAR AN A HALF, I WENT FROM HAVING NO CREDIT TO VERY HIGH CREDIT SCORE. JUST LEAVE CREDIT CARDS OPEN WITH A ZERO BALANCE. THAT SHOWS THE CREDITORS THAT YOU HAVE THE CASH TO BUY THINGS WITH, INSTEAD OF USING YOUR CREDIT CARD. I KNOW A LOT MORE TOO BECAUSE I WORK AT A MORTGAGE COMPANY. EMAIL ME IF YOU HAVE ANYMORE QUESTIONS!
133528
They tried to take out my mortgage payment 2 days early, and they charged me a NSF charge and a Late Charge, when the money was put in the correct day, and I had to notify them the day my mortgage was due and asked why my balance was off by $19.00. They say it was some kind of computer error. of course it would never be there error.\n\nThis happened 8 more times durning my 5 year mortgage with them.\n\nIt also took 2-3 months before they refunded my account the $19.00 and to rebalanced my mortgage accordingly.\n\nJust because banks have some fancy Business Degree, they still need to held accountable for work.  Like Mom use to say: Watch you pennies and the dollars will take care of themselves.
284185
If you have not been able to get the credit reporting bureau to correct the problem, contact the creditor that issued the card. They can help get the report related to them changed. \n\nIf the problem is poor communication skills, an attorney may be your best option.  If you have better communication skills than your question displays, it should be possible for you to get this problem resolved on your own with a bit of effort and persistence.
621791
Call your credit card company and get it reversed. Your credit company will understand, and AOL will not do anything.