I screwed up on a credit card payment, forgot to mail it in....Did it electronically and the credit card company keeps calling me. I explained what happened but they keep calling...at least 4-5 times a day.saying it hasn't posted.....they just called me again at 8:45 at night! I have young children in the house....Is this aloud.....Are they aloud to call that late at night?
Grrrrrr......
kathrynlinton
Posted:
Member since
Re: Lawyer Question or those who know....
I believe they can....I think they are supposed to stop at 9pm. But the can call early too, like 7am.
But it is trange that they would do this for only one payment, usually it takes a month or two for them to start harassing you.
This isn't a legal remedy, but I would try to get a copy of your bank statement (and black out the account numbers and anything else important) or the recepit they give you when you pay online and fax it to the CC company. That should help.
MrsH1156
Posted:
Member since
Re: Lawyer Question or those who know....
They are allowed to call only between 9AM and 8PM. If they call after that, you request them to stop and they keep doing it, you can file a complaint with the FTC and BBB. There are certain procedures they have to follow by law. FM me for more info if you want.
RVCBride
Posted:
Member since
Re: Lawyer Question or those who know....
This usually isn't the case with just one late payment. They tend to start harassing if and when mutliple payments have not indeed been made.
Things like this happen often and I would contact them and explain the situation again to a supervisor, and ask for them to waive the late fee or finance charge. If your payment history is usual on time or within the grace period than they should be more than willing to accomodate.
