Question : What to do when your credit card company causes overdrafts at your bank?
I recently paid my credit card bill of $2.27, however the credit card company entered the payment as $227.00, causing $50 in overdraft fees at my bank. The credit card company had me fax over a statement with the bank fees on it so they can take care of it, however after 3 weeks they still haven't done it, they tell me that they don't even know if the statement is in the building and that they get hundreds of faxes a day and as soon as they get to it, they will handle it, what if this takes months? Is there a way I can make them take care of this matter more quickly? I just went ahead and paid my banks fees just so I could use my bank account again. Did I do the right thing? What if the credit card company never received the fax and they end up asking for another one, how can I make sure that they receive it? They corrected the mistake between the $2.27 and $227.00, maybe that's all I can hope for.
- asked by daveysgirl126
All Answers:
Answer #1
call the company and while you have the individualon the phone fax the copy directly to them.if thatdoes not work then file a small claims caseagainst them immediately.
- answered by samantha h
Answer #2
Get the name of the person you talk to and faxdirect to him/her. Wait on the phone until theyreceive the fax. Did you make the payment on lineor did you send in the check? If you havesufficient info., it shouldn't take long for themto correct the problem. You should be able to seeit on your next statement. If that was theirmistake, they should waive the overdraft fee.Youdon't need to file a small claim. You can work outwith the credit card company directly. It may takea little time for them to research but it willwork out at the end if you're correct.
- answered by Phoenix
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