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Mervyns Complaint - Neglecting to bill

Review by Mcbruce on 2007-02-24
VENTURA, CALIFORNIA -- I have a charge card I owed $30.00 on and these rectums did'nt bill me for at least six months then had the nerve to tac on a ton of late charges, and now they think I owe them something like $130.00. I had Sears do this to me once and I did'nt pay the bill But they screwed with my credit anyway. Whats a person to do when they don't let you know you owe a bill?
Comments:10 Replies - Latest reply on 2007-02-26
Posted by Hugh_Jorgen on 2007-02-25:
Try calling them and calmly ask them to remove all the late fees and interest charges if you pay the $30. If the first person can't help, work your way up the food chain. Appeal to their common sense - would you really risk messing up your credit over $30? Of course not, therefore they must have failed to bill you. Brag on them a little, tell them how much you enjoy shopping in their stores. I'll bet you can find someone there that can help. Good luck.
Posted by *Brenda* on 2007-02-25:
Just because you didn't receive a bill doesn't mean you don't have to pay. It could be a problem with the postal service for all you know. Why didn't you call them after not getting a bill? It's something you know you have to pay every month. Why wait 6 months? Plus, you can view and pay your bill online so there's really no excuse. Obviously you have internet access.
Posted by Anonymous on 2007-02-25:
And what did they say when you called them to state you have not received a bill, when you should have? You DID do that, right?
Posted by Anonymous on 2007-02-25:
Call them a rectum over the phone.
Posted by Anonymous on 2007-02-25:
I would agree with Hugh and only add to try and fined all the paper work you can before you call, see if it adds up? And be prepared. Good luck
Posted by Noneill on 2007-02-25:
That same thing happened to us. We moved and put in changes of addresses in with all our creditors plus we put in the COA with the post office. For some unknown reason, we never received a mervyns bill. Fortunately we were only a month behind when this was discovered, so I went to the customer service and explained that we never got the bill. They were ok with it and I paid what was owed right then. It never showed up on our credit report as a late pay.
Posted by Ponie on 2007-02-25:
Glad it worked out for you, Noneill. I'm sure you wouldn't have let this go for six months though. A few weeks back I opened a charge at a department store. About a month went by and I didn't receive a statement. Didn't want to be hit with late fees so I went online to check my account. I was pleased to find it wasn't due for another three weeks and I received a statement in time for me to meet the due date. I know what bills I owe so if I don't receive notice of them within a reasonable period of time (NOT six months), I check. Best way not to get your credit 'screwed.'
Posted by Anonymous on 2007-02-25:
Actually, they are not obligated to send bills, it is technically a courtesy to allow you to know what your monthly obligation is. If they don't send a bill, you are still obligated to make a payment.

I agree with the posters who say that if you speak with them, respectfully, they will likely back off some, or all, of the charges.
Posted by CrazyRedHead on 2007-02-25:
Did you think they gave you a cc for free with an unlimited credit line?? I don't think so. Not receiving a bill is no excuse for not paying your bill. You knew that you were supposed to receive a bill within the first 30 days. With computers now a days, there is no excuse for not paying the bill. I wish I could use that excuse with my electric company, 6 months free electricity yaayyyyyy!
Posted by warddw1526 on 2007-02-26:
I agree that you should call and nicely ask them to remove the fees. Whatever you do though, if the bill is 6 months delinquent, you need to pay it (or at least the minimum payment) becuase the account will charge off without a payment. The R9 status is not worth fighting over some late charges anyways.

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