J.C. Penney Company, Inc. Complaint - Late Fees For Paid Off Balance
FT. WORTH, TEXAS -- This is a copy of the letter I wrote to JC Penney about my experience.
To: MANAGER OF COLLECTIONS
I am writing to let you know that I had contacted the credit department at 800-542-0800 to inquire about a bill. The person's name I talked to was "Sekani". She continually talked over me and would not let me finish a sentence. She disconnected the call before I could finish saying why I called in. I warned her if she hung up that I would report her and she said that was fine so now I am. In the end, my reason for calling in was not resolved because of this and JC Penney will not be receiving any payment from me. My account number is xxxxxxxxx. The balance was paid in full. These are late fees which added up over time which I did not know existed and never received any statements for. This was the first purchase I made with the JC Penney card. I paid the bill when I got it and it was late because I got the statement late. Regardless of the fact that it is the customer's responsibility to pay the bill ontime whether or not he receives a statement, the reality is that in the real world people wait for the statement to see what their payment needs to be. This purchase was back in the spring of 2003 and I NEVER received not one statement after paying this bill letting me know there were any late fees assessed to this account. It's now October of 2004. I was compltely unaware that JC Penney was piling late fee on top of late fee every month until I got a call and a letter from a collection agency this summer. My position is that this was too long ago and there was a tremendous lack of communication on JC Penney's part so this needs to be cleared off my credit report. I am writing this in hopes you can resolve this issue and clear my credit before I file a complaint with the state Department of Justice and the Better Business Bureau etc... I will await your quick reply.