An example letter for a billing error inquiry?

Question

I found that my credit card company did not receive my payment until 3 days after it was due, even though I sent it 10 days prior to the due date. Is this something I can question? If so, I need help writing the letter. I need people who either deal with this stuff and can give me hints on how to be successfeul or those who have inquired with results. Thank You!

Answer 1

Hi Sunshine, I have knowledge in the business so here it goes. A credit card company has the upper hand in this case. They have records of when statements were sent out and how many times that you have called in inquiring about the acct. Did you call the company and say it might be late? The position is that unlike other mailing's the statement has to be processes by the due date, not postmarked. If you sent the bill in the envelope provided by the CC company they are required by law to have it processed within 24 hours after receiving it. If you send it in a plain white envelope they have 5-7 days to process it. So depending on the mail situation, it might have taken that long to get there... Then more time to process. Your best bet, dump the letter... Call the company and plea the case, the company I work for, a large one at that we are trained to understand and credit fee's back....

Like Christopher said about, call in... The only thing that I dont recommend is asking for a supervisor. An account manager gets offended when that happens, and in reality they have the say so on the account... Ususally what happens, they get their cycle partner on the line and act like the manager... They are not breaking any laws because all people that work in the credit sector are all Account Managers... So technically, you could be speaking to his buddy that sits next to him...

Answer 2

Well, choice of words is important. I would first try doing this by phone. Call the 800#, ask to speak to a supervisor. Be very patient and cordial, explain your payment history, which hopefully is spotless, And ask for their understanding. If this is your first late payment, They may be willing to drop the late fee. If they are not interested in doing that, explain NICELY that you have other credit cards, and you would hate to tear theirs up and close your account based on this one incident, but you will. Not for nothing, but your question was written pretty well. The language is professional, and I don't think you'' have much of a problem communicating with these people. ! Bien Suerte!

Answer 3

Just call them up and talk to someone, if this has never happened before they'll usually take the late payment right off. Remember they want YOU as a customer!