Now I got charged a late fee! What do I do?
It wasnt cashed at the bank either!
2007-03-19 16:21:39 · 5 answers · asked by Danielle 2 in Business & Finance ➔ Credit
I had them adjust my payment once before because of a holiday they got it a day late!
So now I have been paying it as soon as I get it in the mail! And now it gets lost!!
2007-03-19 16:31:04 · update #1
start paying your bills online that way they cannot say it was "Lost in the mail" pay the fine and be grateful its capital one anyone else your intrest rate skyrockets.
2007-03-19 16:26:40 · answer #1 · answered by Anonymous · 2⤊ 0⤋
Call capital one and tell them the payment got lost and that you are doing a stop payment on it through your bank. Then over the phone make the past due payment. IF you have never been late before, they will usually remove the late fee. So ask if they can do that too if you have been paying the bill on time. Then make sure that you do that stop payment on the check as well so in case it shows up, they don't cash it.
2007-03-19 23:27:54 · answer #2 · answered by Kris 3 · 0⤊ 0⤋
I would do exactly what the first poster suggested. I would also (if possible) send them a copy of your bank statement with the space where the Capital one payment was....this way they have the date that the other checks were dated or cleared so that they know that this was not the ole...check is in the mail story that they have probably heard 1k times.
GOOD LUCK
p.s. you can also pay ON LINE and it is never late there!
2007-03-19 23:28:40 · answer #3 · answered by lisa s 6 · 1⤊ 0⤋
You simply contact Capital One and explain it to them. Assuming you've never asked for this before they should grant you a customer service adjustment on the late fee. Cancel payment on that check and then pay it over the phone.
2007-03-19 23:25:54 · answer #4 · answered by douglas l 5 · 1⤊ 0⤋
Credit card companies (fka "banks") are known for this crap. It is probably sitting in a stack on someone's desk & it will get cashed only after you throw repeated screaming hissyfits & threaten to close your account. At any rate, close it anyway. For that matter, stop borrowing money AT ALL. Then you NEVER have to worry about "late" payments to creditors again. It has worked like a charm for us since 2002.
Sorry that you've been skunked by Crapital One!
2007-03-20 00:17:09 · answer #5 · answered by Tom's Mom 4 · 0⤊ 1⤋