So I knew I was going to be 1 business day late on a card payment (due on a Friday). I called Bank of America and explained my situation. I needed to transfer money from one bank to another to pay it–because of my work hours I was unable to get to the bank to do that. I attempted to do it via the internet, but since the account was not yet set up online from my credit union I couldn’t do so. Had to go into the credit union to do that also.
At first the BOA person was rigid and cold with me, and told me to go do things on my lunch hour. I explained that I am a teacher and have no lunch hour (children are in my room with me at that time), and she softened (or so I thought). She got off the line for a minute, then got back on and told me she took care of things and I could pay it as soon as possible. I was able to get to the credit union on the next business day (Monday), transfer the money and pay the credit card bill online. The BOA person clearly said I would not be charged the late fee. The bill was due on the 12th (Fri.) and paid the morning of the 15th (Mon.).
So my new bill came today and lo and behold, there is a $49.00 late fee. If I call and complain, will it do any good? I am already strapped too thin and can’t afford to pay that on top of everything else. I thought if I contacted them ahead of time and worked out a payment that they would cut me a break–or at least stick by their word when they said they would!
I’m assuming that you’ve already taken care of this, since it looks like you posted in January.
Generally speaking, though, I always call and tell them what happened. The same thing happened with me this weekend with DirectTV. I called them last week to tell them that I needed to postpone my payment a few days until I get paid on the 5th. The guy said that I couldn’t change my payment date, but I could un-enroll in Automatic Payment, and then pay when I was able. I confirmed that the payment due at the end of Dec. wouldn’t be taken, and he said it wouldn’t.
I check my balance of my checking account on Saturday, and it’s negative, because the payment came through! I called, complained, and finally, they said that they would talk to my bank and reverse the payment.
They’re able to at least see that you called and there should be notes on what you discussed, so if this happens again, I say to definitely call and set them straight to (hopefully) keep them honest. I would call BOA and ask to speak to the executive resolution office. Or even better file an online complaint with the BBB which will automatically go to the executive resolution office.