I am on a fixed income. My income comes in the first of the month. Through my online bank website, I schedule all my bills to be paid on the 1st or 2nd of each month. GE Online (CareCredit) payments are due the 26th of each month. I called a rep and asked if I could make my payments on the 1st or 2nd of the month and not have it applied as a double payment for the previous month. The young woman that I spoke to said I could and it wouldn't be a problem.
I just went online to check my balance and since July (when I started making the payments on the 1st), I have been charged a late fee.
I called and the gal I spoke to said that if payments come in before the statement date of the 3rd they are applied to the previous month and a late fee is charged. I told her that I had called and asked if I could make early payments and was told I could (the rep never told me about the statement date). I asked to have the late fees reversed; she couldn't reverse the late fees because, as she said, I already had one reversed when I missed a payment (which was a mistake on my part). She did not have the authority to reverse any late fees so she transferred me to someone who might be able to help me. I explained the situation to him and he said the same thing. He could not reverse a late fee because only one late fee can be reversed in a 12-month period. He was very impatient with me as I explained the situation. I asked to speak to his boss, and he said he was the highest I could talk to. I told him I wanted to talk to someone else and he said I would have to call back. My mouth dropped and when he asked if there was anything else he could help me with, I couldn't speak so he said " because of your silence I assume there isn't so thank you for calling" and hung up.
I am being punished for making early payments and they said there's nothing they can do. I can't believe that someone can't credit me the 4 late fees I have been charged.
