After payment is made in full a late charge and interest is made to the account. The problem is when you try and call the 800 number to speak with a representative you get put in a circle of NO ONE IS THERE TO ANSWER A QUESTION. When you finally think that you're going to speak to someone .... the voice says no one is available to speak to you and hangs up the phone.
Consumer Complaints & Reviews
When I recieved my Lowe's credit card bill in June 2003 there was a charge of 182.08 that I had not charged. I called the customer service number and reported to them that I was disputing the charge. At that time I was told the charge was made in a store in Bessemer Ala., and I told them I live in Atlanta and have never been in a store in Bessemer.
I asked for a copy of the transaction which they sent to me. The receipt had my name as the customer, but the signature on the receipt is definately not mine. Also I had 2 Lowe's cards, both of which were in my possession at the time. For this reason (card in my possession) they will not credit my account for this charge.
I asked for a copy of the transaction which they sent to me. The receipt had my name as the customer, but the signature on the receipt is definately not mine. Also I had 2 Lowe's cards, both of which were in my possession at the time. For this reason (card in my possession) they will not credit my account for this charge.
Neither myself or my family or anyone else I know made this charge. I have sent copies of transactions to MCCBG only to have them tell me their investigation into this matter is complete. I DID NOT MAKE THIS TRANSACTION AND WILL NOT PAY 182.08 FOR SOMETHING I DID NOT CHARGE OR AUTHORIZE. I closed the account as soon as they told me they could not credit the account. I still have a true balance of around 1300.00 which I am currently paying per original agreement. I have had the card over 10 years and have never disputed anything before this.
On 12/22/03 I applied at a Lowe's store located in Charlotte for a Lowe's credit card. They promised to make a decision in 5 minutes. In 5 minutes they declined my application and said I would receive a letter with a reason. I've never received the letter in question. I know that the Monogram Credit Card Bank of Georgia was a bank which handled Lowe's credit cards. I do believe that the above mentioned bank failed to comply with a credit law and I would like them to be punished for that.
Denied credit for Lowes. Letter stated "Unable to verify residence" and listed Equifax as a source of info. The letter was mailed to the residence they couldn't verify. I ordered my annual credit report from Equifax and my credit is, and always has been, perfect. From the complaints I have been reading about I guess I should thank them for turning me down! Neither Lowes or Monogram has seen fit to respond to my letters.
I didn't suffer a loss or any damage to my credit rating but Lowe's has lost an order which would have exceeded $4000. I could use another credit card for the purchase but I don't want to do business with anyone dumb enough to use Monogram Credit Bank. As a GE stockholder I will advise them of my irritation.
I applied for a Lowes home improvement credit card and got a letter of turndown on 1/7/2004 stating adverse public record, collection item. I want to respond and say I have 75 active accounts over 8 years and never been late once.
I owe Lowes approx $3400. I make regular payments of (at least) the minimum shown as due. Recently received a notice from MCCBG that they were "CLOSING" my account with Lowes due to my being on the "high side" of my line of credit with them. My credit line is $3900, and I've been a Lowes customer for several years. I find this incredibly ludicrous & unfair. If I were NOT PAYING my bill, I could see their position, but this makes me want to NEVER do business with Lowes again, when I actually prefer doing business with this fine company.
MCCBG is RUINING the relationship with Lowes' customers, and I think Lowes should truly "FIRE THESE PEOPLE" from handling their credit matters.
