Shoppers Charge Accounts Co

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before
sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

You rejected our response because you have not received a refundOur records indicate a refund of the late fee has been mailed on February 14, Please allow to business day to receive itWe appreciate the opportunity to assist you

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***I have turned this problem over to my bank for a complete review, their customer service is terrible, I made an honest effort to pay my bills in a timely manner they have charged me $in fees. Thank you for your assistance I accept what they have sent but not satisfied

Our records indicate that on April 14, 2016 you made a purchase in the total amount of $9,023.32. An additional purchase was made on April 28, 2016 in the amount of $463.29. Both purchases were made with a No Interest if Paid in Full in 12 months promotional offer. Unfortunately, you did...

not pay the promotional balances in full in time. An outstanding balance of $307.29 remained on your account as of May 9, 2017. Thus, on June 14, 2017, your account was charged accrued and monthly billed interest totaling $1,918.57. Furthermore, we received your initial written concern on November 10, 2017. Unfortunately, we attempted to contact you however were unsuccessful. Nonetheless, as a courtesy, we are waiving $648.98 worth of interest charges. This change will be reflected on your next billing statement.

We have researched your concerns. You made two purchases. The first purchase for $1,761.28 was made on April 16, 2016 at 5:32 PM on a 0% APR with 48 Equal Monthly Payments offer. The second purchase for $732.75 was made on April 16, 2016 at 6:38 PM on a Deferred Interest with Standard Monthly...

payments: No Interest if Paid in Full in 12 months offer. Please find receipts enclosed for your records.Based upon our online account management records, you made one-time payments on May 14, July 8, and August 7, 2016. Then, as of August 7, 2016, you set up automatic recurring payments for the minimum payment amount. It was not set up for more than the minimum payment amount. See an enclosed copy of your recurring payment setup status. Additionally, we did not receive any payments in excess of your minimum payments prior to the expiration of your 12 month special financing. As noted on your account statements, your second purchase was required to be paid in full by May 8, 2017 to avoid accrued interest from the transaction date. Your statement and your sales financing receipt also stated that making only the minimum payments would not pay off the balance in time.Thus, your deferred interest purchase was not paid in full prior to the expiration of the special financing period, and we charged the accrued interest. Please note, we have received your payments of $649.22 and $39.00 on July 19 and 20, 2017, respectively. Based on these payments, the balance and interest from your original 12 month purchase has been repaid. Your account currently has a remaining balance of $987.81 and this balance is on the 0% APR special financing terms, which is not subject to deferred interest.

We advised the customer our records indicate enrollment for online statements. Also advised we did not receive payment due by June 11, 2017. Therefore in accordance with the cardholder agreement, a late fee was charged. However, as a courtesy, we credited the account $37 for the late fee.

I have talked with their customer service department several times.  They are extremely unhelpful, and even have been...

vulgar on one call.  In my last letter to them, I requested they respond to me in writing.  I have requested they do this because after multiple calls to their customer service department, they could not explain to me why they are charging me late fees, and fines, then fines on late fees, and fees on original fees.  Adhesion of Contract issues abound with my claim against them, as do breaches in the Truth in Lending law(s) both federal and state.As I have told them in writing previously, I will only deal with this firm in certified written correspondence, as they are not to be trusted verbally (think Wells Fargo).

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

We have carefully researched your concerns. Based upon this review, we believe our prior resolution was correct. When you use a third-party electronic payor, they may convert your electronic authorization into a physical check and submit it to us through the mail. Additional time must be allowed for such payments to be received timely. We sincerely apologize for any inconvenience this may cause. But thanks you for bringing this to our attention.

regarding the interest charged to your account, our records indicate that your October 6, 2015 purchase was made with a No Interest if paid in full in 12 monthpromotional offer. your signed store receipts for the purchase stated the terms of the offer, including that interest would be charged...

from the date of purchase at standard rate if the original amount and applicable fees were not paid in full in 12 months. Unfortunately, there was an outstanding balance on your account as of the expiration date. Thus, your account was charged valid accrued interest charges. Nevertheless, we credit your account for $492 of such charges, as a courtesy. we appreciate the opportunity to assist with your concerns.

Thank you for raising your concerns regarding your recent experience with [redacted] (the "Bank"). We certainly regret any missed opportunity to deliver the outstanding Customer service we expect from our team and hope this letter serves to answer any remaining questions you may have. In your...

above-referenced Revdex.com complaint, you reference phone call with representatives at the Bank's 3rd party collection agency, [redacted], on September 17, 2016. During that conversation, I understand that you requested the due date for your above-referenced account be extended and to discuss the assistance available to you under a hardship or forbearance program. Additionally, you state that, when requesting this assistance, you encountered significant frustration due to a negative Customer Service experience. Unfortunately, our recent attempts to contact you via phone to discuss your experience were unsuccessful. [redacted] prides itself on legendary service and takes the concerns of our Customers seriously. We sincerely apologize for any negative Customer Service you received, and we appreciate you voicing your concern over this matter. In an effort to resolve your concerns, I am happy to confirm that your above-referenced account has now been assigned to a single point of contact at [redacted] for future handling. I encourage you to discuss the options available to you with [redacted], Associate Manager of Specialty Collections. She can be reached directly at ###-###-####. Please be assured that Ms. [redacted] has thoroughly reviewed the concerns expressed in both your September 17, 2016 phone conversation as well as your above-referenced Revdex.com complaint, and she would welcome the opportunity to discuss this matter with you in further detail. Additionally, I have provided my own contact information below. Either of us are happy to handle any future concerns or requests you may have on your account, and we will work to ensure that your Customer Service experience is a positive one going forward. [redacted] is dedicated to delivering exceptional Customer Service. I sincerely apologize for any inconvenience this issue may have caused. If you have any additional concerns or questions, please do not hesitate to contact Ms. [redacted], at the information provided above, or me, at ###-###-####.

Our records indicate your minimum payment is due by the 5th of the month. Unfortunately, we received multiple payments after the due date. we are not aware of any internal or external processing delays that would account for the amount of time it took some of your payments to reach us. we have...

credited your account for an additional late fee. We appreciate the opportunity to assist you.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Thank you for contacting TD RCS, Complaint ID: [redacted] has been resolved as of today 5/19/2015.We reversed the charge as a courtesy and the customer's next statement will reflect the credit.

we are unable to locate an account under complainant's name. we would need more information in order to investigate the complaint

Your minimum payment is due by the 11th of each month. Unfortunately, our records shows multiple payments were not received prior to this monthly due date. payments were received January 20th, May 13, and September 14th. Since payments were received after the due date, late fees were...

assessed to your account. However, as a valued [redacted] customer we have issued courtesy credit adjustments on May 11th and September 11th. This in addition to the credit that was issued on January 27,2016

we attempted to call the customer but was unsuccessful. we sent a letter advising customer to call us in order to discuss account and the issues he noted in the complaint

customer left a remianing balance of $10 after making his payment on 11/11/2014, because the balance on the account was not paid in full by the promo expiration date, deferred interest posted to the account in the amount of $208.15. The customer received emailed alerts notifying him of statements...

for this account and he negated to review the statements. Balance on the account is valid. As a courtsey, we agreed to accept $105 as a payment in full for this account and agreed to remove the derogatory reporting fromt he credit bureaus. The customer is not owed a refund for the $105 he already paid.

We could not find an account under [redacted]. If Mr. [redacted] believes there is an open account under his name, he would have to provide more information in order to search our system for such account. he may contact our customer service department at ###-###-####

I would like to inform you that we reached an agreement with Ms. and Mr. [redacted]and complaint ID# [redacted] is now close.