It is currently 11:45 pm on Friday, June 5, 2009. I have a payment due on my Chevron credit card on Saturday, June 6, 2009. Imagine my surprise just now when I logged on to pay the account and (even though it is STILL June 5 and the payment isn't due until tomorrow) there is a $25.00 late fee on my account. !!!
Looking back through my records, the exact same thing happened in August of 2008. And unlike previous poster JS Claus, our payment was not mailed, it was paid ONLINE with a printed receipt showing it paid prior to the due date. The August 2008 payment was made online at 5:00 in the morning on the ACTUAL due date (a Wednesday, so not ever over a weekend). In my complaint to Chevron I stated that my payment was made long before the end of business on the due date/day no matter where in the United States they or I am located. But their response was as follows:
"Our records indicate that the payment in question was applied to your account on August 7, 2008 ... As this payment was received after the payment due date [of August 6, 2008], a late fee has been added to your account and a monthly billing statement has been generated. ... However, in the interest of customer service and goodwill, we will credit your account for any late fees that are assessed. ...
I have no control over when they PROCESS the payment, yet they were working "with" me "in the interest of customer service and goodwill ..." !!!
I would add that we have been credit customers with Chevron for at least 20 years, have always paid our bill on time and, with very few exceptions, have paid the bill in full, without carrying a balance from month to month. I let it go after getting the late fee removed last August. But since this has happened again, but worse this time as the payment was made the DAY BEFORE the due date and the account already shows a late fee assessed, I am sensing something shady going on. I plan to go back over all the statements I have kept with a fine tooth comb and filing whatever complaints with whatever agencies I can to stop this practice.
A screenshot made tonight when I discovered the late fee being assessed in advance of the due date is attached. It clearly shows it to be 11:34 pm on Friday (although it doesn't show the date, trust me, it was moments ago), with a late fee having been posted on 06/06/2009 in the amount of $25.00.