Complaint / review text:
I have a Chase Visa card with due date on May 09,2010 and I scheduled a Bank of America bill payment in April 2010 to pay the bill of $28.52 in full on May 09,2010. The payment went through on May 10,2010 and the Chase Visa card charged me late fee $15 plus interest $1. I called Chase Visa card customer service number on May 18,2010 and they said I should use Chase bill payment service and my payment will be timely paid on May 09,2010 (Sunday) instead of May 10,2010 (Monday) and there will be no late fee.
I spoke to Mr. Myers first and he refused to waive the charge to transfer me to his manager or any department to handle complaint or public relationship or gave me his identification. I finally complaint on his behavior and I got transferred to talk to the Team Manager Ms. Stacy and she won't help to resolve my late fee complaint or gave me any phone number or transferred me to a department to handle the complaint or public relationship. She only gave me an address to write a letter.
The Chase credit card representative said their position is firm and there are no exception. A payment received on Monday is late for a due date on Sunday and the late fee and interest must be charged. I asked to talk to Chase public relationship department but got refused. Anyway, I felt sorry about their customer service training and business practice. I'm not sure if Chase no longer care about the business reputation and only trying to make quick profit anyway they could.
I believe my payment is not late as I scheduled bill payment the same day as due date from Bank of America bill payment center and I shouldn't be charged the late fee and interest from Chase credit card. The arrangement of electronic fund transfer is only between my bank (Bank of America) and the Chase Bank USA and legally, the late fee and interest shouldn't be not my responsibility. Can any consumer affair attorney comment on this. Thanks. I was charged $15 late fee plus $1 minimum interest totaled $16 on my $0 account balance.