Shoppers Charge Accounts Co

Your minimum payment is due by the 11th of each monthUnfortunately, our records shows multiple payments were not received prior to this monthly due datepayments were received January 20th, May 13, and September 14thSince payments were received after the due date, late fees were assessed to your accountHowever, as a valued [redacted] customer we have issued courtesy credit adjustments on May 11th and September 11thThis in addition to the credit that was issued on January 27,

customer left a remianing balance of $after making his payment on 11/11/2014, because the balance on the account was not paid in full by the promo expiration date, deferred interest posted to the account in the amount of $The customer received emailed alerts notifying him of statements for this account and he negated to review the statementsBalance on the account is validAs a courtsey, we agreed to accept $as a payment in full for this account and agreed to remove the derogatory reporting fromt he credit bureausThe customer is not owed a refund for the $he already paid

We could not find an account under [redacted] ***If Mr [redacted] believes there is an open account under his name, he would have to provide more information in order to search our system for such accounthe may contact our customer service department at ###-###-####

we attempted to call the customer but was unsuccessfulwe sent a letter advising customer to call us in order to discuss account and the issues he noted in the complaint

I would like to inform you that we reached an agreement with Msand Mr***and complaint ID# [redacted] is now close

regarding the interest charged to your account, our records indicate that your October 6, purchase was made with a No Interest if paid in full in monthpromotional offeryour signed store receipts for the purchase stated the terms of the offer, including that interest would be charged from the date of purchase at standard rate if the original amount and applicable fees were not paid in full in monthsUnfortunately, there was an outstanding balance on your account as of the expiration dateThus, your account was charged valid accrued interest chargesNevertheless, we credit your account for $of such charges, as a courtesywe appreciate the opportunity to assist with your concerns

We have researched your concernsYou made two purchasesThe first purchase for $1,was made on April 16, at 5:PM on a 0% APR with Equal Monthly Payments offerThe second purchase for $was made on April 16, at 6:PM on a Deferred Interest with Standard Monthly payments: No Interest if Paid in Full in months offerPlease find receipts enclosed for your records.Based upon our online account management records, you made one-time payments on May 14, July 8, and August 7, Then, as of August 7, 2016, you set up automatic recurring payments for the minimum payment amountIt was not set up for more than the minimum payment amountSee an enclosed copy of your recurring payment setup statusAdditionally, we did not receive any payments in excess of your minimum payments prior to the expiration of your month special financingAs noted on your account statements, your second purchase was required to be paid in full by May 8, to avoid accrued interest from the transaction dateYour statement and your sales financing receipt also stated that making only the minimum payments would not pay off the balance in time.Thus, your deferred interest purchase was not paid in full prior to the expiration of the special financing period, and we charged the accrued interestPlease note, we have received your payments of $and $on July and 20, 2017, respectivelyBased on these payments, the balance and interest from your original month purchase has been repaidYour account currently has a remaining balance of $and this balance is on the 0% APR special financing terms, which is not subject to deferred interest

Our records indicate your minimum payment is due by the 5th of the monthUnfortunately, we received multiple payments after the due datewe are not aware of any internal or external processing delays that would account for the amount of time it took some of your payments to reach uswe have credited your account for an additional late feeWe appreciate the opportunity to assist you

Our records indicate that on April 14, you made a purchase in the total amount of $9,An additional purchase was made on April 28, in the amount of $Both purchases were made with a No Interest if Paid in Full in months promotional offerUnfortunately, you did not pay the promotional balances in full in timeAn outstanding balance of $remained on your account as of May 9, Thus, on June 14, 2017, your account was charged accrued and monthly billed interest totaling $1,Furthermore, we received your initial written concern on November 10, Unfortunately, we attempted to contact you however were unsuccessfulNonetheless, as a courtesy, we are waiving $worth of interest chargesThis change will be reflected on your next billing statement

we are unable to locate an account under complainant's namewe would need more information in order to investigate the complaint

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Per phone conversation on April 17, 2018, $has been credited to the account's principal balanceWe apologize for any inconvenience caused by this matter

Based upon our research and the information we reviewed, we belie your account to be past due at the time of the letterOur records indicate that you applied and were approved for a TD Bank issued Renovate credit card account on January 14, You made a purchase using this card We sent your
initial billing statement with the Renovate logo visibly inscribed in the upper left corner on the first page and a TD Bank, NA address for payments on the statement stubAccording to the statement, your due date was April 7thUnfortunately, we did not receive a payment by your due dateThus, we sent you reminder that your account was past duePlease note that the letter referenced TD Bank, NA accountThus, we believe TD Bank was well identified throughout the entire process and your account was correctly considered past due

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me Thank you for your consideration of my request in this matter
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

The late fees in question have been refund/ reversed todayThe balance on the account is reflecting $as of todaya balance verification letter is being mailed to the customerAdditionally, the account has been closed

We have researched your concernsUnfortunately, we received payments after your minimum payment due date for multiple monthsIt appears this is due to your use of a third-party electronic payer, such as your bankUnfortunately, when you use a third-party electronic payer, they may convert your
electronic authorization into a physical check and submit it to us through the mailWe are unaware of such checks and do not consider the payment received until we receive the physical check in the mailThus, additional time must be allowed for such payments to be received timelyAgain, this is what appears to have happened with your paymentsThe checks issued by your third party payer were dated as of the 17th of the monthYour due date is the 18th of the monthIt appears there was insufficient time for the check to reach us by mailThus, the payments were properly considered late, and the fees charged were validHowever, as a valued ** customer and as a courtesy, we are waiving $worth of late feesThis adjustment will be reflected on your next billing statementPlease also check your next billing statement for your correct minimum paymentAdditionally, please note, for payments mailed in accordance with our instructions, we recommend you allow at least days for the mail to reach usBut, electronic bill payments made with a third-party, such as your bank, are not payments made in conformance with our instructionsConsistent with applicable law, non-conforming payments that we accept may not be credited to your account for up to five days after receiptThus, if you continue to use your third-party electronic payer, we recommend you allow at least days for the payment to be receivedTo help avoid late payments in the future, please use one of the payment methods on, and follow the instructions on, your statementSome of our payment methods include: MailUse the payment slip and envelope provided with your statementSend the payment to address on the payment slip and allow days for the mail to reach usMailed payments received before 5:PM Eastern time Monday through Saturday (excluding bank holidays) are effective on the date of receiptPhoneCall toll free and make payments with our automated touch-tone payment service that is available 24/at:###-###-#### Automated touch-tone phone payments are effective the same day, provided the transaction is completed before 5:PM Eastern timeOnlineManage your account and make payments at: ***Online payments are effective the same day, provided the transaction is completed before 5:PM Eastern timeWe hope this addresses your concerns and we appreciate the opportunity to assist youIf you have any further questions or concerns, please contact our Customer Service Department at ###-###-####

We have researched your concernsUnfortunately, we received payments after your minimum payment due date for multiple monthsIt appears this is due to your use of a third-party electronic payer, such as your bankUnfortunately, when you use a third-party electronic payer, they may convert your
electronic authorization into a physical check and submit it to us through the mailWe are unaware of such checks and do not consider the payment received until we receive the physical check in the mailThus, additional time must generally be allowed for such payments to be received timelyDate of Check Amount Date Effective to Your Account September 14, $September 17, October 13, $October 13, November 14, $November 16, December 12, $December 14, January 10, $January 12, Your due date is the 14th of the monthIt appears there was insufficient time for the check to consistently reach us timely from your third-party payerThus, the payments were properly considered late, and the fees charged were validAdditionally, the payments that were periodically received by the due date were occasionally insufficient to meet the minimum payment (which included the prior late fees)Thus, these payments were considered late as wellHowever, as a ** *** *** and as a courtesy, we are waiving $worth of late feesThis was shown on your December billing statement

I am rejecting this response because: I already paid my account and have not received any refund for all the late payments they charged Until I received refund I am rejecting any response We have always send the payment on time and until this past months when we only have a year left finish paying the card now they are saying the payments are late Until I received a check with the late payments I already paid I will not be satisfied with the outcome

Complaint: ***
I am rejecting this response because: There is an account under my name that is fraudulent and it needs to be handled not ignored and told to me that it doesn't exist.
Regards,
*** ***