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Monogram - QVC

Monogram Credit Card Bank
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Debra of Portsmouth, NH, writes:
On November 7, 1999 I placed an order with Home Shopping by Mail for a citrine ring. The total charge was $87.94, to be placed on my HSN credit card with the promotional deal of no payment/ no finance charge until February 15, 2000. The charge was posted to my account on November 10, 1999. My January 21, 2000 statement showed that an identical charge was placed on my account on January 3, 2000, the first business day of the new year.

Thinking it a Y2K problem, I contacted the credit card customer service to report the duplicate charge. I was told it would be researched. A letter dated January 31, 2000 arrived verifying that it was in dispute, and that I would not have to pay it while it was being researched. I paid the original $87.94 charge in January, and it was reflected in my February 21, 2000 statement along with the note that $87.94 was in dispute. The March statement also reflects the money is still in dispute.

I then received a letter dated March 23,2000 stating: type of service: credit service provider: catalog I assumed that meant the error had been corrected. Imagine my surprise when my next statement arrived billing me for the extra billing plus interest. I immediately called HSN credit card customer service. I was told that since the charge originated with the catalog, they would have to authorize removing the charge.

I called the catalog, and was told they only authorized the original charge, that I show no purchase beside the one in November, so that it is the credit card that added the second charge on its own. A call back to the credit card was met with hostility at my suggestion that it was their mistake, and I was transferred to someone who was unable to help since he dealt with neither the credit card nor the catalog.

Feeling I had been dumped, I decided to document and send everything in writing. Everything was sent to the credit card company, with copies to the catalog, and to HSN itself. Thus far, I've had no response, and the payment is due May 15, 2000. I refuse to pay what I don't owe. But I don't want to ruin my credit either.

I have spent hours on the phone trying to correct this problem. I have been put on hold, tranferred and ignored. My frustration is only outweighed by my fear that this will affect my credit rating.

Darla of Chadron, NE, writes (11/16/00):

In December of 1999, I purchased a Christmas wreath from QVC. The wreath was sent to my current address. Unknown to me, they had not updated my address when I moved over two years ago. QVC sent the bill to the old address. In the hubub of the holidays, I did not keep good track -- and did not notice that I had not received the bill.

QVC subsequently turned it over the Monogram Bank of Georgia. I never received any notification of this through Feb, March, April, May, June, July, August, Sept, or Oct. Therefore, I mistakenly assumed my account with QVC was still active. On Nov 14th of 2000, I phoned QVC to place an order and was informed of the above. I was given the phone number to Monogram Bank's collection service. I have been phoning that number for several days now to get this resolved, but, after Listening to their menu of options, or selecting one, it rings twice and hangs up.

Monogram never notified me for over 9 months that I had a delinquent account with QVC -- and now my attempts to contact them meet with a phone number that I can not get service on. I can not get anyone from that bank to help me over the phone.

B.J. of Windsor, CT, writes:
Returned two items to QVC and was only credited for one. Contacted Monogram and QVC, advising them of the situation. Monogram acknowledges the dispute, but have been adding finance charges to my account. I have advised them over and over again that I make payment in full, each month, except for items returned and that no finance charges are due.

They send back vague letters and continue to levy same on each subsequent bill. I'm beside myself! .

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