Does anyone have a problem with their Best Buy credit card payment?

I’ve sent in my payments a full week ahead of time and they still posted my payment late and are making me pay a late fee! Does anyone else have this conundrum? This is the third time already and I’m getting a small upset. Other payments to larger credit card companies that are sent FARTHER away get processed on time.

Answer by Jay S
There have been credit card companies that have been in distress for holding payments extra days to get the late fees. Providian and First USA come to mind as 2 of them.

I reckon your card is issued by HSBC or Household Bank. I can be a witness that HSBC is a very shoddily run company on their commercial lending side.

Here is a link to some seats to file complaints:
http://www.bcsalliance.com/x_creditcardlegalrights.html

Answer by wildbirdie
Best Buy does not have a credit card.

They rent their name to HSBC which screws up your payments and send out confusing information you so that you get hit for late fees, which they never waive. Get another card.

Add your own answer in the comments!

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Image by noodlepie
My laptop bag and everything in it prior to my trip to London tomorrow morning. From www.noodlepie.com

A pool agency contacted me about a month ago and was trying to collect a debt from me that is at least 12 being ancient if not more. It was a credit card from best buy. When he called I questioned him for proof of the debt and he refused to send anything. I have since contacted best buy and they said that they have no record of the account and that they couldnt provide me with any ancient statements because the information must have gotten purged. So now I need to send my answer to the courts. I know that the statue of limitations has since passed its 6 being here in the state of Ohio. My conundrum is getting some actual documentation in my hands to take to court. How can I prove that this debt is ancient and that I reckon that the balnce might have been paid as well. PLease Help!!!

Answer by Wise Credit
Hello, This could be excellent for you!

Take a look at the link below.

I would answer the courts and tell them you are filing a counter suit for $ 1000.00 per FTC guidelines. That is if this is still being reported to your CR. The have violated the FTC guidlines by refusing to send you proof of the debt. The conundrum is you need to question for validation in writing.

OK, I need to clarify,

Option 1. Answer the courts and tell them exactly what you question states on this webpage. Chances are you will show up and they wont.

Option 2. countersue per FTC guidlines. The conundrum is when you sue for money they will hire an attorney to represent them in your state and show up. Be ready to fight.

So if you do not want a fight go to court the judge will favor you.

I am talking from much experience.

Answer by OC1999
Have you been really served, or are they just threatening you with a suit? If they really filed suit then You need to send a certified letter to the agency and tell them you know nothing of this debt, thinking you may have even paid it off, and you want them to send you proof that you owe on this account.

By law they have 30 days to respond, they are not allowed to just say NO because they don’t feel like it. If they do not respond take the certified letter with you to court as proof you do not beleive you owe this debt. Unless they have some proof that you reset the Statute of Limitations at some point it will be terrified out.

Answer by stopccdebt
Does your pool agent know that it is illegal to threaten action that the pool agency does not intend to take? It is officially authorized to pursue pool activities, but they lose the right to sue once the statute of limitations expires.

You may wish to seek qualified officially authorized advice.

Answer by mldjay
Most liable, this is a terrible debt “buyer.” What I mean is this pool agency collects terrible debts and most of them are ruthless and break each FCC law and regulation (as mentioned above).

They next time they call tell them 2 thinks. 1. You want a certified copy of the quantity due and a break down of interest, fees, and the principle balance. 2. Tell them if they don’t provide it to you in writing (e-mail, fax or snail mail) then they must stop calling you since they will not provide you proof of the debt per the above posters FCC regs, etc.

Most liable they are bluffing on going to court. Also if you know you owe this money (or part of it) offer them 25 cents on the dollar (example, if the balance is $ 1000 then offer them $ 250 in a lump sum and you will send it certified mail after you get the deal in writing. DO NOT send them any money without getting a deal in writing and you send everything to them certified mail so you know they got the information.)

I also suggest you read The Total Money Makeover by Ramsey. He discussion about debt and getting out of debt, how to deal with creditor and what to do when you aren’t in debt.

Excellent luck!

Answer by The Debtonator
The burden of proof lies in the hands of the pool agency. When dealing with them I recommend that you tape record all conversations with them, with their knowledge of course.

Also, they are obligated under the FCRA to furnish you with proof that the debt exists. They have a way of getting around the statute of limitations by getting you to make a promise to pay and that starts the clock all over again.

My estimate is that they are merely threatening you with litigation and are trying to scare you into paying them.

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(Popeye) At a recent trip to Best Buy I chose to introduce the sheep to Invisible Empire. Gorilla style truthing shot with my cell phone. I hope this inspires people to do the same thing. Its simple, just bring a copy on a memory stick in your pocket or if the store has them hooked to the net just find it on youtube, play it, and set the size to full screen. We must use their tools against them, technology is a double edged sword and its time the New World Order felt how sharp it is. www.federaljack.com
Video Rating: 4 / 5