Customer service

[gldstwmn]

Originally Posted by skcin

I'm in the middle of a credit issue & it's driving me mad. I have a very good credit score, my debt/available credit ratio is great, so I'm really scared this is going to F everything up.

I bought furniture at the end of Jan, no interest for 6 months. I've had the money available, I've just been lazy, quite frankly. I went to pay it in full July 5th & the store told me I can't pay it there, I have to send it in to the company. What company? I haven't received any statements from anyone! OK, fine.

Store calls credit company, they've had my address wrong the whole time. Apparently, all statements were returned to sender. Did they maybe want to call me to verify my address, since they had my phone number correct? Guess not. So, I correct address & they say they'll send my statement. At this point, I have 3 weeks to take care of the bill.

A week goes by - no statement. Another few days - still no statement. I keep calling the number, can't get a human being. I get the payment mailing address & send the check. 10 days later, they claim they still haven't received it, so it hasn't been posted to my account.

What. The. F*ck.

I've called them 3 times in the past 2 days, trying to explain what's going on. They claim that they won't charge me the insane interest, as I've been trying to pay the bill for 3 weeks. We'll see. I don't want something like this to wreck my credit.

It won't. They won't even report it until it's 30 days past due. Just make sure you document everything and if you're still worried after this is resolved, pull your own credit report online and make sure it's okay. If it's wrong dispute it.