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TJMaxx

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Posted by Yukuan30 on 06/07/2012
I called TJ Max credit card customer service after I saw a late fee on my statement. This is the second time I didn't receive a statement but they still insist they can not waive the late fee.

He told me once I cancel my account, my award with them will be automatically forfeit. I asked why I have to give up the award for those I already earned? He said this is how it goes.
     
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Posted by DebtorBasher on 2012-06-07:
Statements are sent out as a courtesy, though it helps alot to keep track of your bills, it is up the the customer to keep record of their payments. Is there anyway you can get online statements to view your account?
Posted by Churro on 2012-06-07:
Credit card statements are not a courtesy but a requirement according to the law.
Posted by DebtorBasher on 2012-06-07:
I used to think that too Churro...guess you didn't get the memo.
Posted by Churro on 2012-06-07:
Basher, Google is your friend.
Posted by DebtorBasher on 2012-06-07:
There has been some changes made in 2009 .... I'll give you that Churro...However, the debtor has to notify the credit card company within 60, in writing from the day the statement should have been sent....as it states below:

The Bill is Not in the Mail: If your credit card bill doesn’t arrive by mail (or email) as scheduled, don’t just assume you are off the hook for that month. If you notify the issuer in writing within sixty days of the date it should have been sent to you, you’ll be protected by the Fair Credit Billing Act (FCBA) and the issuer won’t be able to charge you interest solely as a result of the error. If you call the issuer, remember to follow up in writing or you aren’t protecting your rights. Your letter should be sent to the address for billing errors and inquiries on your statement and should never be sent with a payment.

In the OP's case, they notified the credit card company AFTER they noticed a late fee the following month...was that within the 60 days of the missing statement's date? Did they notify them in writing? It sounds as if the OP called, but as you see, a phone call is to be followed up with a written notice, in order to be protected from the fees.
Posted by Churro on 2012-06-07:
It was that way before 2009 as well. Still my point is valid that a credit card statement is not a courtesy but a requirement according to the law.
Posted by leet60 on 2012-06-08:
I have had this issue before as well. Lesson learned, if you have an account with a monthly payment, you know the payment is due at approximately the same time each month, should a statement not be received it does not mean no payment is due - one should contact the creditor and inquire on the payment due so it can be submitted. Almost without fail, when I contact a creditor about a missing statement the issue is blamed on the postal service (which I would not dispute based on the amount of misdirected mail I personally receive).
Posted by trmn8r on 2012-06-08:
That is my understanding - with any rewards card I have heard of, accumulated points are forfeited.

You are held responsible for any charges that you make, regardless of if you receive a statement. The philosophy, which I don't disagree with, seems to be that when you make a purchase, you are on notice that it needs to be paid at the end of the current billing cycle, which you should be aware happens monthly (including any grace period).
Posted by CowboyFan on 2012-06-08:
You can call any credit card company and find out how much you owe and what the current amount due it, usually in their automated feature. If you have not received a statement, simply copy the last statement you received, change the date on it, etc., and send it in timely.
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Cx'd my TJMaxx Credit Card
Posted by Cathyp on 07/23/2011
I received an email this morning that the bank info I entered online for my cc payment was rejected by the bank. To my horror, I found I transposed an account number. I immediately corrected it, reposted a pmt and called TJMaxx credit. I had been charged a late fee of $10. I asked if that could be refunded. I was told, because I don't carry any balances from month to month and my purchase history was so low, there was nothing they could do for me. My credit score is 840 and I never paid a late fee or interest payment in my life (I'm 50). So...I terminated my account on the spot. Guess they didn't like a credit customer they couldn't make any money off of.
     
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Posted by trmn8r on 2011-07-23:
This was your error, and as a result you missed a payment deadline. Asking for relief from a penalty you earned is one thing, but it sounds like you expected it.

I am 50 and have good credit (I've checked my score once in my life) also, and when a bank or company issues me a fee I pay it. Closing credit accounts lowers your score, though a TJMaxx card probably doesn't have a large credit line.
Posted by trmn8r on 2011-07-23:
The OP made a mistake at their own bank, and TJMAxx has no way of verifying that they even tried to make a payment. All TJMaxx knows is that they were not paid by the due date. That is the way I read it. If I missed something, I apologize.

I am not blaming the OP for the TJMaxx credit CSR not being able to waive a late fee. My interpretation is the OP incurred the fee because they made a mistake.
Posted by MissLeopard83 on 2011-07-23:
Unfortunately, you probably made your credit score lower by closing that account. The CSRs at TJMaxx probably had no way of knowing what happened, but they probably should have found a way to give you the $10 back since you usually pay on time. My bank has a reconciliation policy for things like this. You would think credit card companies would too.
Posted by Lyn205 on 2013-08-28:
In my experience (with excellent credit and zero carry over balances on any of my credit cards), the credit card companies waive the late fees as a "one time courtesy." I believe that was what the OP was pointing out that TJMaxx refused to do. If TJMaxx refused to waive a late fee for me after several years of use with no late payments, I would stop using my TJMaxx card.
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Customer service
Posted by Larathewomen on 04/15/2010
MYRTLE BEACH, SOUTH CAROLINA -- I shop at tjmaxx at least 6 times a month. I don't return to much but when I did I had noticed the lady was ahead of me trying to return clothing. The customer service lady told her that she couldn't return the clothing because it was worn and smelled in addition to the merchandise being a year old from her recite. The lady was so rude to the employee saying nasty and absurd things. After a while the employee asked for a manager, the lady was mean to the manager and the manager told the employee to return the merchandise anyways. The shirt was around 40.00. She got her way and rubbed it into the employees face and told her she needs to do her job right because she ia an existing customer. This is where my complaint comes. I can't believe that your company allows customers to mistreat its employees and second of all why is your company allowing people to return old merchandise, especially if it was worn and trust me it was because I asked to see the shirt and it stunk badly and was worn. If that is your return policy then I will never buy anything there again. I don't want some dirty nasty clothing or something hat sat for months in some ones house.
     
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Posted by Ytropious on 2010-04-16:
I totally agree. Then people wonder why there are "no good people in retail". Well would YOU put up with that crap for like 8 dollars an hour (if you're lucky)? No. You can all blame your fellow man for being a pain in the arse.
Posted by Larathewomen on 2010-04-17:
Agreed. I forwarded this comment to the district manager and was never replied to. I bet if I complained against an employee over something that was stupid I would have had my butt kissed. Why don't employees now days get respect.
Posted by i_am_canadian on 2010-04-17:
The customer-employee-manager abuse triangle is not just an issue confined to TJ Maxx. Anytime you have a discount retail outlet, whether it be WalMart, KMart, Ectcetera, you will always have those same trashy customers and incompetent managers who seem to enjoy inflicting misery on the staff members.
Luckily, people like this lady and the manager are only representative of a portion of the population.
Posted by smarxy06 on 2010-04-17:
I agree. I work for Staples and while i follow policy and tell customers they cant return certain items..the manager comes in and says ill do this for you, and it makes it look like I dont know how to do my job, and that is wrong because we have to follow policy, and managers should know better.
Posted by Larathewomen on 2010-04-18:
agreed again. God when I was young employers made sure there customers AND employees were both happy to the best of their ability, now its like customer service took a nose dive to kissing butt and paying the people minimum wage, crappy hours and taking away all of there benifits. Of course back then the word company wasn't really a word for business as most businesses start out private then move to be a big corporation of greedy investors. Sad because now it some dick running the show who will do nothing short of murder for a dollar and the right to say I manage at so and so. Humility isn't very common anymore.
Posted by pbillin on 2011-12-27:
A guide to this policy:
http://www.returnpolicies.info/index.php/u-s-a/t-j-maxx/
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