Jc penney - Late Fee problem
FLORIDA -- So much for JC Penney "Fair and Square. no games. no gimmics." They're playing a game of un-owed extra fees with me!
I have my payments for this JC Penney account sent directly from my bank before the due date. It is released before the due date but GE Capital Retail Bank fails to credit me until it has passed the due date. The first time, payment was due the 14th of April, It was released by my bank on the 13th but GE Capital Bank did not credit it until the 15th. The excuse was that the bank was closed during the weekend...if that is so, why was it credited on Sunday, April 15th? They did remove the $25 late payment fee with the suggestion thst I send it in a few days before the payment date. So, in May, the payment was due on the 14th of May. THIS time the payment was released on the 11th of May. You would think a bank-to-bank transaction would get there by the 14th? 4 days later? Guess gain! This time they credited it on May 15th...this time, a $35 late fee! and it took from the 11th to the 15th ...5 days to get there! BANK TRANSFER! After a few phone calls, with their agreement that they would look into it, I discovered in the contract agreement that I MUST contact them in writing. So I sent details as well as bank transfer records so they could see for themselves. I received their formulaic reply today...they can do nothing for me. And, it was suggested, that I might "read the cardholder agreement as well as the late payment warning section on my statement" Well, I HAVE read them and it says absolutely nothing about how long JC Penney is entitled to withhold a payment from being paid in order to make an "in time payment" appear late. Believe me, if it was late, I'd pay the fee...but it wasn't late on my part! I know it seems like small change...$35...but I'm just a nobody in a huge rabble of nobodys that are probably being treated like this. I will be sending copies of my information to every JC Penney executive I can find the name for (whether or not they are directly involved with the credit department) I thought the architects of JC Penney Fair and Square would like to know the contempt with which GE Capital Bank is treating their customers and why I am disgusted. Work with a bank that will keep your customers not drive them away!