Complaint / review text:
We purchased a queen size mattress set at J. C. Penney. Cost $835.15. We were told by the sales person that if we put it on our J. C. Penney charge there would be No Payments and No Interest for 6 months. We skipped the payment when the bill came based on this information. Which now appears to have been a blatant lie. WHOA! Within a few days after missing the due date we were dunned by the Monogram Credit Card Company of Georgia. We were told that a late charge ($20.00) had been added to our balance and a payment was due immediately. It was then we were informed that it was No Interest but not No Payments. We told the caller that a payment would be sent ASAP. After some irate haggling he agreed to remove the $20.00 late charge. Within 5 days We received 2 additional dunning calls asking where the payment was. We told them it was sent and that it would be 'paid in full'! We received a 4th and final call (now these were all within a week!) at 8:45 A.M. On a Saturday morning. This was two days AFTER they had received the full payment that they had not yet recorded! Very harrasing to say the least!