Old Navy Credit Card

I have only charged my card 3 or 4 times. Each time, I was contacted via phone about a past due statement and hit with late fees. I never received the statements in the mail or via email until after I had paid over the phone on a collection call. This is the only card I have ever had issues with, as I always pay on time. I was able to get them to refund the prior late fee but again this month I get another call and pay the late fee. Low and behold, 3 days after I pay over the phone, my statement appears in the mail! I closed the account today out of utter disgust with this practice.

I had confirmed on 4 separate calls that my address and email were correct in their system. I also had them switch from mail to email and back again as I never received either. If this isn't a complete scam, I don't know what one is. I would never let my bills go past due knowingly especially at the low amounts they were.

Today, I went to Old Navy to make a purchase. To my surprise, my card was declined. I said, well that can't be!

I called the customer service hotline and since I had made my payment early, they deactivated my card and said I did not make my July payment. I made my payment on June 30 therefore I never made the payment for July.

Well June 2 I made my June payment and June 30 was for my July payment. So for making my payment early, I was penalized and embarrassed in the store. I have cancelled my account and do not plan to visit any Old Navy ever again. I would not advise to get a credit card there. That is just ridiculous!

I applied for an Old Navy credit card on their Web site. I wanted to use the card for my purchase to avoid shipping charges (a promotion at that time). I was told to call an 800 number to verify information after submitting the credit card application. After about 10 minutes I was finally transferred to the correct department. The person I spoke with had a heavy accent and was hard to understand. She asked for all of my information again, which I provided.

After providing the information she said I would receive a letter in the mail within 7-10 days. Today I received a letter which stated my credit card was denied because they were unable to verify home phone number. I've checked my credit report and my home phone number (the same one I submitted on the application and gave to the representative) is listed on my credit report.

I was told I had to make a payment 26 days in advance to get it processed on time. I have been charged a late fee 3 times that my payment went out on time. I have never paid any other bills late in my life, so it goes to show you that they are purposely milking the consumer for all the money they can get. Either that or they need to hire competent people to process the payments. I cancelled my card because of this.

It will show up that I paid late on my credit card- which I did NOT. And I am out $75 or $100 because they charged me the late fees.

I recently received a phone call dealing with my Old Navy Credit Card account. I was informed that I had had not made a payment and I would receive another late fee. I later found out that I now have around $100's in late fees now on my account. I have not received a bill for my Old Navy account since 5/03/04, that is the last statement that I have received. I knew that I did not have much on my card so I figured that when I stopped receiving bills from you that it must have been paid off.

A while back my wife applied for an Old Navy Credit Card and purchased a few items of clothes with it. Like many Department store Cards there is a 10% discount on your first purchase. So My wife took advantage of this offer with no intention of ever really using the card again. We received the bill and we paid it on time. Then we recived a late charge indicating that we did not pay on time. However we did and our bill came back with just the 25 dollar late fee plus about 10 dollars that we had left to pay off the card (the bill included the deduction of our payment on time).

Then we called the Card company. They appoligized for their mistake and removed the fee. The Service rep then asked us if we wanted to pay off the rest of the card by phone. We figured since we were already on the phone that we might as well. But then she notified us about the 10 dollar pay by phone fee. Such a fee sounded absurd so we declined and said we would mail it in. But then the lady said, hold on let me check with my manager to see if I can get that waived. Sure enough a few seconds later she returned and assured us that we would not be charged. So we went ahead and payed by phone.

In next months bill we noticed $10 pay by phone fee. We didn't have time to call about this bill because we were leaving the country for three weeks. When we returned we recived another bill that charged a $10 late fee plus a $1 finance charge for the unpaid pay by phone fee. We called about it and told them what happened but they would not beleive us nor did they remove any of the charges. We were met with only with rudeness and lies. Then we asked them to do us a favor and remove it. They insisted that they already gave us a break last time for the 25 dollar late fee. But that fee was their mistake. They insisted that their computers said other wise.

There was no atempt to help just a mechanical and fake sorry sir, but is there anything else I can do for you? Needless to say we canclled the account and then recived another $10 late fee. We're forced to pay our $32 bill or face more fees and bad credit ratings. I am wondering if any other people are facing similar problems?

While shopping at Old Navy in may 2003 I apllied for the store credit card where you get 10% off your inital purchase. I was approved and used the card for my purchaes of ~60 dollars. They said I would recieve my credit card in the mail with the bill. I never got the card in the mail and never got a statement. If I had I would have paid it like I do every month other cards. I moved to a new address a few months later and had the post office forward my mail. I recieved all my bills except old navy.