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Damn, another dispute, this time with Best Buy's credit card service

cchen

Diamond Member
Aight here's the deal. I bought some cdr's a few months back, opened up a Best Buy credit card account because it had no interest financing.

It asked for me to put my home address. I did that. However, I was at college.

My house is rented out during the school year. The people who lived there would usually forward my mail out to me.

I got my first bill forwarded to me. I changed the address on the bill to my school address so that I could get the rest of the bills.

Well, after a few months, I hadn't received any subsequent bills. I called in 3 weeks ago trying to find out what happened to my account. They (Retail Services, household bank) put $39 in late fees for a $44 purchase. Because they didn't send me the bill.

Well. the first CSR person I talked to was very nice. She told me, she can put in a request to have those late charges removed. but I should probably pay off the bill in full. she said that customer service can't do anything unless i paid my bill. so i paid the entire balance off. She told me to call back in a week or two to find out the status of getting a refund for the late fees.

I call back today. Talked to a CSR who said that because I paid off everything (as the first csr told me to) I would not be getting any type of refund. After giving her my explanation, she still did not listen. So I asked to speak with her supervisor. I gave him the same explanation, about how I hadn't been receiving the bills. He turns it around and blames it on me, syaing that it was my fault for not keeping up with my account. WTF? I changed my address and expected my bill at the new address. But no, they never sent it there.

I call back again, talked to another supervisor who gave me the same thing, that it was my fault.

What can I do at this point? I've talked to 2 "supervisors" who were not helpful at all.
 
He turns it around and blames it on me, syaing that it was my fault for not keeping up with my account. WTF? I changed my address and expected my bill at the new address.
I see their point. Billing cycle is generally 30 days so you should know when you will be receiving your bill. Why did it take a few months for you to do anything about it?
 
a) Write a letter to the president of Best Buy credit or whatever it's called

b) contact the FTC - if you followed the protocol outlined for changing your address, it might be time for some governmental ass-kicking action. 🙂
 
Originally posted by: minendo
He turns it around and blames it on me, syaing that it was my fault for not keeping up with my account. WTF? I changed my address and expected my bill at the new address.
I see their point. Billing cycle is generally 30 days so you should know when you will be receiving your bill. Why did it take a few months for you to do anything about it?
Unfortunately he's quite correct on that count. It is generally your responsibility to keep up where your money is concerned, though if you yell at someone enough they may open up to some type of compromise? Good luck!
 
Originally posted by: minendo
He turns it around and blames it on me, syaing that it was my fault for not keeping up with my account. WTF? I changed my address and expected my bill at the new address.
I see their point. Billing cycle is generally 30 days so you should know when you will be receiving your bill. Why did it take a few months for you to do anything about it?

Well the thing is I changed my address. Being at college and all, I check my mail infrequently. I had been waiting for it, but after a while, I guess I didn't think about. I thought maybe something was wrong at their end and they would send me something, since I did change the address.
 
Originally posted by: minendo
He turns it around and blames it on me, syaing that it was my fault for not keeping up with my account. WTF? I changed my address and expected my bill at the new address.
I see their point. Billing cycle is generally 30 days so you should know when you will be receiving your bill. Why did it take a few months for you to do anything about it?

minendo is correct.

You're not going to listen or agree with me, so I'll keep it brief.

You signed an application, right? Re-read the super tiny fine print and disclosures, even if you DO NOT receive a bill you know that you owe money and are responsible to make timely payments.

However BB did screw up in not changing to your current address. But that's your responsibility to keep notes of WHO and WHEN you requested they change your address. If you have these notes just write a simple one page letter and it can be fixed (if you know what to say).

Here's some bad news though. Your credit report most likely reflects a few 30 day late payments. If you write a complaint letter and they are accomodating, I would also request that your credit report be updated to correctly show 0 30 day late payments.

Good luck and have fun, you're going to need it!
 
Originally posted by: cchen
Aight here's the deal. I bought some cdr's a few months back, opened up a Best Buy credit card account because it had no interest financing.

It asked for me to put my home address. I did that. However, I was at college.

My house is rented out during the school year. The people who lived there would usually forward my mail out to me.

I got my first bill forwarded to me. I changed the address on the bill to my school address so that I could get the rest of the bills.

Well, after a few months, I hadn't received any subsequent bills. I called in 3 weeks ago trying to find out what happened to my account. They (Retail Services, household bank) put $39 in late fees for a $44 purchase. Because they didn't send me the bill.

Well. the first CSR person I talked to was very nice. She told me, she can put in a request to have those late charges removed. but I should probably pay off the bill in full. she said that customer service can't do anything unless i paid my bill. so i paid the entire balance off. She told me to call back in a week or two to find out the status of getting a refund for the late fees.

I call back today. Talked to a CSR who said that because I paid off everything (as the first csr told me to) I would not be getting any type of refund. After giving her my explanation, she still did not listen. So I asked to speak with her supervisor. I gave him the same explanation, about how I hadn't been receiving the bills. He turns it around and blames it on me, syaing that it was my fault for not keeping up with my account. WTF? I changed my address and expected my bill at the new address. But no, they never sent it there.

I call back again, talked to another supervisor who gave me the same thing, that it was my fault.

What can I do at this point? I've talked to 2 "supervisors" who were not helpful at all.

Idiot.

You should have used the Best Buy credit card online system. You can view your billing statement, regardless of whether or not you received your paper statement.

This isn't Best Buy's fault, this is an RTFM error.
 
Originally posted by: MachFive
Originally posted by: cchen
Aight here's the deal. I bought some cdr's a few months back, opened up a Best Buy credit card account because it had no interest financing.

It asked for me to put my home address. I did that. However, I was at college.

My house is rented out during the school year. The people who lived there would usually forward my mail out to me.

I got my first bill forwarded to me. I changed the address on the bill to my school address so that I could get the rest of the bills.

Well, after a few months, I hadn't received any subsequent bills. I called in 3 weeks ago trying to find out what happened to my account. They (Retail Services, household bank) put $39 in late fees for a $44 purchase. Because they didn't send me the bill.

Well. the first CSR person I talked to was very nice. She told me, she can put in a request to have those late charges removed. but I should probably pay off the bill in full. she said that customer service can't do anything unless i paid my bill. so i paid the entire balance off. She told me to call back in a week or two to find out the status of getting a refund for the late fees.

I call back today. Talked to a CSR who said that because I paid off everything (as the first csr told me to) I would not be getting any type of refund. After giving her my explanation, she still did not listen. So I asked to speak with her supervisor. I gave him the same explanation, about how I hadn't been receiving the bills. He turns it around and blames it on me, syaing that it was my fault for not keeping up with my account. WTF? I changed my address and expected my bill at the new address. But no, they never sent it there.

I call back again, talked to another supervisor who gave me the same thing, that it was my fault.

What can I do at this point? I've talked to 2 "supervisors" who were not helpful at all.

Idiot.

You should have used the Best Buy credit card online system. You can view your billing statement, regardless of whether or not you received your paper statement.

This isn't Best Buy's fault, this is an RTFM error.

I have to agree. I use Best Buy's Online CC management and don't have a problem. You should have kept up with your bill.
 
Originally posted by: Millennium
Originally posted by: MachFive
Originally posted by: cchen
Aight here's the deal. I bought some cdr's a few months back, opened up a Best Buy credit card account because it had no interest financing.

It asked for me to put my home address. I did that. However, I was at college.

My house is rented out during the school year. The people who lived there would usually forward my mail out to me.

I got my first bill forwarded to me. I changed the address on the bill to my school address so that I could get the rest of the bills.

Well, after a few months, I hadn't received any subsequent bills. I called in 3 weeks ago trying to find out what happened to my account. They (Retail Services, household bank) put $39 in late fees for a $44 purchase. Because they didn't send me the bill.

Well. the first CSR person I talked to was very nice. She told me, she can put in a request to have those late charges removed. but I should probably pay off the bill in full. she said that customer service can't do anything unless i paid my bill. so i paid the entire balance off. She told me to call back in a week or two to find out the status of getting a refund for the late fees.

I call back today. Talked to a CSR who said that because I paid off everything (as the first csr told me to) I would not be getting any type of refund. After giving her my explanation, she still did not listen. So I asked to speak with her supervisor. I gave him the same explanation, about how I hadn't been receiving the bills. He turns it around and blames it on me, syaing that it was my fault for not keeping up with my account. WTF? I changed my address and expected my bill at the new address. But no, they never sent it there.

I call back again, talked to another supervisor who gave me the same thing, that it was my fault.

What can I do at this point? I've talked to 2 "supervisors" who were not helpful at all.

Idiot.

You should have used the Best Buy credit card online system. You can view your billing statement, regardless of whether or not you received your paper statement.

This isn't Best Buy's fault, this is an RTFM error.

I have to agree. I use Best Buy's Online CC management and don't have a problem. You should have kept up with your bill.

My sister and I have both had BB CC online (actually HouseHold bank), no problems what so ever, view your statement online and even make your payments online.

cchen can get this rectified in his favor erasing all the fees and erasing the bad credit but it's going to take some good skills.
 
Keep in mind hat the card is issued by Household, not by Best Buy themselves. I had the same issue a while back but I mostly blame myself for not doing anything about it. Never asume that just because you didnt get a bill your credit card issuer is on hold as well
 
Originally posted by: Wduaqnug
contact me at help@consumerhelpdesk.org


If you have patience and willing to wait a week for resolution e-mail me.


FIGHT BACK!

Seriously. One unintelligible call from Wduaqnug (who is obese and suffering from Monkey SARSPox) and these guys will say "yes" to anything just to get him to stop postin---er--calling.
 
Originally posted by: Jzero
Originally posted by: Wduaqnug
contact me at help@consumerhelpdesk.org


If you have patience and willing to wait a week for resolution e-mail me.


FIGHT BACK!

Seriously. One unintelligible call from Wduaqnug (who is obese and suffering from Monkey SARSPox) and these guys will say "yes" to anything just to get him to stop postin---er--calling.

Hahahaha.

On a serious note tho, I HATE it when Companies screw people over like this. I mean, I'm NOT going to say that cchen's not at fault at all, but it just really annoys the crap out of me when stuff like this happens. These companies just want to screw you, and screw you, and screw you till they have successfully screwed every one of their customers in some form or other. (Screw)


Sux man.



KeyserSoze
 
Household Retail Services is a crap company. I had a CompUSSR and BB card and I finally got rid of both of them. They'll do anything and everything to try to get every single penny out of you. Their employees and managers are extremely rude as well.
 
Hahahaha, I've dealt with household before, and their stupid reps don't speak english as a 1st language. I called them once to set up some automatic payments, and the retards put the wrong dates in, even thou i had him read back everything i told him. I think i owe them like $300 now, but they can bite my ass with a side of beans. They tried to call me and tell me i owed them $300 something, and i told them that since they broke the settlement we had a greed on that they can talk to my lawyer. Haven't heard from them since.
 
Probably your best bet is to forget about getting anything back. To properly protest your treatment, you should cut up the card and send it back to them. Then, never shop at Best Buy again. While the fault is probably yours, they should be more understanding, and as a gesture of good customer service, waive the fees this time. Since that is unlikely to happen, boycott them.
 
Sounds like the supervisors at me work. You're not going to get any where with them amd they are right that it is your responsibility for watching your cc.
 
Originally posted by: JeffreyLebowski
Hahahaha, I've dealt with household before, and their stupid reps don't speak english as a 1st language. I called them once to set up some automatic payments, and the retards put the wrong dates in, even thou i had him read back everything i told him. I think i owe them like $300 now, but they can bite my ass with a side of beans. They tried to call me and tell me i owed them $300 something, and i told them that since they broke the settlement we had a greed on that they can talk to my lawyer. Haven't heard from them since.

Equifax, etc., has. You should pay your bills.

Even if their practices suck.
 
In the future, everytime you call and change your address, note who you talked to, the time/date, AND request that another statement be sent immediately - even if it'll be a duplicate; have them annotate everything.

Oh, and be nice.

~AJ
 
Originally posted by: JeffreyLebowski
Hahahaha, I've dealt with household before, and their stupid reps don't speak english as a 1st language. I called them once to set up some automatic payments, and the retards put the wrong dates in, even thou i had him read back everything i told him. I think i owe them like $300 now, but they can bite my ass with a side of beans. They tried to call me and tell me i owed them $300 something, and i told them that since they broke the settlement we had a greed on that they can talk to my lawyer. Haven't heard from them since.

Are you sure you guys are talking about Household bank, and not GE Cons Cardco (the old BB creditor)?

I've dealt with Household, and I'll be damned if they're not one of the best creditors I've dealt with. Now, GECC was absolutely EVIL. They f*cked me over like no one else. But Household gets a gold star in my book.
 
Originally posted by: MachFive
Originally posted by: JeffreyLebowski
Hahahaha, I've dealt with household before, and their stupid reps don't speak english as a 1st language. I called them once to set up some automatic payments, and the retards put the wrong dates in, even thou i had him read back everything i told him. I think i owe them like $300 now, but they can bite my ass with a side of beans. They tried to call me and tell me i owed them $300 something, and i told them that since they broke the settlement we had a greed on that they can talk to my lawyer. Haven't heard from them since.

Are you sure you guys are talking about Household bank, and not GE Cons Cardco (the old BB creditor)?

I've dealt with Household, and I'll be damned if they're not one of the best creditors I've dealt with. Now, GECC was absolutely EVIL. They f*cked me over like no one else. But Household gets a gold star in my book.

Must be a different HRS you've dealt with cause the one I've had dealings with is pure evil.
 
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