Capital One Blows!
Reply #16 –
It isn't just Chase. When I bought my S-197 I got tired of waiting for my payment book to show up so I went to the Credit Union and made the first payment in person. It "should have been" one month early, based on the date of the first payment in the book when it finally arrived. So about a week and a half later I get a nastygram in the mail saying my payment is late.
Naturally I called them to ask WTF. They told me
1) I hadn't made my payment and
2) despite the date shown on the first coupon in the book, my first payment was actually due the month before.
I assured the woman I had made the payment for the full amount several days before the due date (a month early) The due date is the 2nd of the month. I made my payment on the 28th prior to. So after about 15 minutes she tells me I made the payment, but for the wrong amount.
Thankfully I saved the receipt the teller gave me, and I proceeded to read ALL of the info to the woman on the phone. finally, FINALLY she agreed I had indeed made my payment, in full, and on time.
Since then I have made every payment IN PERSON, and have saved all the receipts, numbering each, AND writing it all down on the stub in the book.