ChargeSmart

I have a Pottery Barn account. I went to PB store to pay bill but I can't pay there. I called to pay my bill and there is a $15 fee, then I was told that I could pay the bill on-line for free. So, I spent time trying to navigate that bill-pay and learned that I had a $3.75 fee for that. And, that the bill would not be paid until later than it was due. I had to pay it that way because there was no other way. I had to pay with Discover or MC, not Visa. So I had to charge my payment instead of having it taken from my checking account.

I am closing my account with Pottery Barn. I will try to contact PB to tell them but who knows, they may be an illusive as the ChargeSmart people. They have absolute worse bill pay system. It must be owned by Bank of America!

I used Charge Smart to pay my mortgage on September 13, 2011. I noticed on their website it says that it usually takes 2-3 business days to process a payment, and sometimes, up to 5 full days. Well today is that fifth day, and my mortgage company has not seen my payment yet! I spoke with Eddie (customer service representative) who tells me that charge Smart tried to get in touch with me concerning my payment. My payment was a large amount, so Eddie's words were, "We tried to call you twice and we emailed you," so we cancelled the payment on the 15th of September. My response to Eddie was, 'Why didn't you leave a message!" He then proceeds to rattle off my telephone number which is correct the first time he recited it.

Two minutes into the conversation and after questioning him about not leaving a message, he recites my phone number back to me again, but this time, with the last digit incorrect! (What am I, an idiot Eddie?) Oh, wait it gets better. He then lets me know that a refund has been processed back to me (refund date was September 15). As I am writing this review, the date is September 20. I have spoken to my credit card company and they informed me that nor refund has been sent from Charge Smart!

So, let's see; no refund, plus my mortgage is late, and Charge Smart's reason for not paying the amount was, "The payment was red flagged for security purposes." Well, who takes money out of an account if it throws up a red flag? If you ask me, Charge Smart had no intentions of paying me back and the nerve of them to charge me a convenience fee! So, I have a late fee with my mortgage, I'm out $1,002, and I still owe my mortgage company. I will never recommend this company to anyone! If I could give the company negative stars, there still would not be enough! Thanks for nothing!

My auto loan provider, Chrysler Corporation, recently sold its loans to TD Auto Finance of Roanoke, TX. When I attempted to go online to pay my bill, as usual, I was directed to a ChargeSmart site. I filled out all my personal information believing that this was necessary because the loan had been switched but there was possibly no permanent damage done as I never pushed SUBMIT.

So what is my complaint? ChargeSmart is running a scam. I don't want them to have my personal information; there is no number to call them. If I had clicked submit, they would have taken $10.00 out of my checking account. They could be cleaning it out as I type. They tried to trick me into paying my bill using their service and then they provide no phone number so I can discuss this with someone.

ChargeSmart accepts credit card payments for many organizations which do not sign up with them and many have their own/less expensive credit card payment providers. One ChargeSmart staff member told a municipality which wanted to be disconnected from their service, "They pay for these directories and are not in favor of relinquishing any opportunity to recoup their investment." Customers pay too much for credit card payments through ChargeSmart when authorized alternatives exist.

This is a response to Lauren's complaint against ChargeSmart, filed on 5/27/2010.

ChargeSmart advises customers to allow for as many as 5 business days for payments to complete, and further clarifies that "in most cases, payments will be received in 2-3 business days."

Additionally, a payment confirmation email was sent to Lauren at the time her payment was completed that again stated "please allow 2-3 business days for your payment to post." The payment posted on the 3rd business day.

If a payment is not posted within a reasonable amount of time, or an expectation set for delivery date does not much the actual delivery, ChargeSmart may provide a partial refund as a courtesy. However, since a review of this payment showed all reasonable expectations were met in this instance, no refund was provided.

I used charge smart to pay my water bill they deducted the money on May 16 and claimed it takes 2-3 days to be posted to my account on the 3rd my water was disconnected and the it was not posted until the 4th day,as a result I incurred 75.24 charge from the water company. I have contacted them to reimburse me for the differences and it a round and round story as to why they cannot. I have the bill from Pennsylvania American water showing when the payment was posted. I need so help to resolve this issue.