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Children's Place Complaint - Children's Place Credit Card Is Horrible! - Credit Card
Complaint
I've had nothing but headaches from this card. I tried to make a payment through their online payment system, but I accidentally made a typo in my bank account number. My bank took 2 weeks to report that the payment had been rejected because of an invalid account number. I received an email from Children's Place system telling me the bank had rejected the payment, so I called Children's Place customer service asking what had happened with it.
The Customer service representative told me that from what he could see, the payment status was fine, and that I should ignore the email, it was a glitch. I stupidly assumed that he would know more about what was happening in their payment system than I would, so I took his advice, and waited for my supposedly still pending payment to go through. Then I got a 30 day past due alert from my credit monitoring service, dropping my score nearly 50 points. I called customer service and they told me they were not willing to remove the 30 past due report because even though they could see I'd been trying to pay it long before I would have ever been 30 days past due, they said the only circumstance that they remove delinquent payment notices is if they are at fault.
My typo was not their fault, and their customer service representatives giving out blatantly wrong information to their customers apparently isn't their fault either. It doesn't fall under one of their 4 classifications for what they consider an error on their part. I will have this on my credit report for the next 7 years because I made a single typo in their payment system, and their customer service employees can tell you whatever they want without any responsibility whatsoever.
I tried disputing it with the credit bureaus, but since the Children's Place refused to remove it, it stayed. All I could do was add a note to that negative report stating the circumstances, but I can't do anything to fix the nearly 50 point loss in my credit score.
The Customer service representative told me that from what he could see, the payment status was fine, and that I should ignore the email, it was a glitch. I stupidly assumed that he would know more about what was happening in their payment system than I would, so I took his advice, and waited for my supposedly still pending payment to go through. Then I got a 30 day past due alert from my credit monitoring service, dropping my score nearly 50 points. I called customer service and they told me they were not willing to remove the 30 past due report because even though they could see I'd been trying to pay it long before I would have ever been 30 days past due, they said the only circumstance that they remove delinquent payment notices is if they are at fault.
My typo was not their fault, and their customer service representatives giving out blatantly wrong information to their customers apparently isn't their fault either. It doesn't fall under one of their 4 classifications for what they consider an error on their part. I will have this on my credit report for the next 7 years because I made a single typo in their payment system, and their customer service employees can tell you whatever they want without any responsibility whatsoever.
I tried disputing it with the credit bureaus, but since the Children's Place refused to remove it, it stayed. All I could do was add a note to that negative report stating the circumstances, but I can't do anything to fix the nearly 50 point loss in my credit score.
Comments:
Posted by KenPopcorn on 2008-08-22:
A tip: set up the patment from your bank's bill pay site. Thsi way you can see when it is recieved, and you control when it is made. Giving your bank account information to a creditor is, frankly, insane.
Posted by justcuz3993 on 2008-08-22:
I agree with you on this, they need to remove it. I'd keep escalating the situation and don't give up. You made the initial mistake, which you took responsibility for, now they need to do the right thing by admitting they advised you incorrectly and get this off your credit report. I'd be curious to know what that CSR noted in your account that told you the email was a glitch and to ignore it. good luck!
Posted by yoke on 2008-08-22:
Did you make good on the payment after your bank notified you it did not go through?
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