I see on your website that Lowe's/GE credit settled a lawsuit about charging interest on non-promotional purchases while payments were used to pay off the promotional balance. I recently had something very similar that happened. Apparently their system automatically applies payment to the promotional purchase in the last 2 months. There is a way to change this but it is not obvious that it can be done. Interest was charged when I intended to pay off the no- promotional charges first, and I would have paid everything in full if the interest had not been charged.
Consumer Complaints & Reviews
Henry County, GA is on the list for rebates to those that have purchased a "water sense" toilet to replace an old one. In order to submit to them, I need a copy of the initial receipt and invoice to prove we purchased such a toilet in February of this year. I purchased it via my credit card in the amount of $227.01, invoice # ** on 2/12 in store # 1153.
I requested this before, but all I received was a copy of my credit card bill again! Again, I need an actual copy of the receipt as well as an actual copy of the invoice in order to submit to them for a rebate! Thank you in advance for your immediate attention to this matter!
I purchased a range at Lowe's on September 15, 2003 on a promo, and paid off the balance on March 15, 2004.
After the payment was made I received a bill of $77.76.I called numerous times for a explaination without any result. I sent in all the bills I could collect, and spoke with Emily in Credit, but got no results. Since April 2004 no one has been able to help.I recently sent an $80 check to clear the dispute. But they ruined my credit, and never told me what the extra charge was for.
I am writing to complain about a late charge that was added to my Lowe's bill this past month. While I did miss the payment by 3 days, in my opinion $29.00 is way too much to charge a person who has been making payments on time and misses one by only a few days. Since I am retired, I sometimes have to wait until the week I get my social security check before I can make my payment.
In the past I have spent thousands of dollars at Lowe's. I have remodeled my house, and most of what I bought came from Lowe's. I am quite sure I have spent somewhere in the neighborhood of at least $15,000 in the time this store has been in Easley. I will not miss another payment but feel this charge was unjustified, as I am and have been a good customer.
I submitted a payment to Monogram Credit Card Bank of Georgia - for a payment towards my Lowes account - the payment was in the amount of $2581.00 but my account was credited $25.81. I have submitted all the requested proof that the mistake was that of MCCBG and not me - this is now over 2 months old and they have even reported me as being late on my payment to the Credit Reporting agencies - they can't fix their error - but they can ruin me credit.
I mailed 2 payments for 2 separate accounts with the account numbers written on the checks and 2 different payment stubs in one envelope. The payments were transposed and posted incorrectly. I have been awakened by a collection call every Saturday morning for the last 4 weeks because of this error. The first call I received I assumed they had just not received the payment yet and told them to call me back if they had not received it in a week. The next call I got I realized the amount they were trying to collect was less than the amount previously due by $40. That was the amount I had sent for my own account. I had sent $150 for my husbands and that is the account they were calling about.
I explained this to the collection agent who started to tell me what "I" needed to do to correct it. Including that I needed to send them more money until they fixed their mistake. I told him it was their error and they needed to correct it, not me. The next Saturday I received another call telling me that my husbands account was past due and I needed to make a payment to keep from incurring further late payment charges. He said he would try to get the account corrected. I told him I would mail a payment when my husbands payment was due and that he needed to remove the past due charges and correct the payment. I told him not to call me again about this same thing. Calling me regarding a past due amount that is their fault is harassment and to get the thing fixed.
A few days later I received a letter stating that my husbands account was going to be closed. I wrote a letter back explaining what had happened and told them to get the account corrected. This morning I was again woken by a collection call and again explained what had happened. I was told by Sabrina that she would notify someone but could not guarantee that it would be fixed because she was not in the accounting department. I went into detail asking her if she worked for the same company as the accounting department. Yes. Did she work in the same state as the accounting department? Yes. Did she work in the same building as the accounting department? Stutter and stammer something about working "different" shifts. I asked her for the telephone number for the accounting department. She gave me a number which I called and it took me right back to collections. Another person answered and told me to call the same number and put in 0 at all the prompts. I did that and finally got a "Customer Service" rep. I use the term very lightly. She definitely was not there to service the customer.
I explained this to the collection agent who started to tell me what "I" needed to do to correct it. Including that I needed to send them more money until they fixed their mistake. I told him it was their error and they needed to correct it, not me. The next Saturday I received another call telling me that my husbands account was past due and I needed to make a payment to keep from incurring further late payment charges. He said he would try to get the account corrected. I told him I would mail a payment when my husbands payment was due and that he needed to remove the past due charges and correct the payment. I told him not to call me again about this same thing. Calling me regarding a past due amount that is their fault is harassment and to get the thing fixed.
A few days later I received a letter stating that my husbands account was going to be closed. I wrote a letter back explaining what had happened and told them to get the account corrected. This morning I was again woken by a collection call and again explained what had happened. I was told by Sabrina that she would notify someone but could not guarantee that it would be fixed because she was not in the accounting department. I went into detail asking her if she worked for the same company as the accounting department. Yes. Did she work in the same state as the accounting department? Yes. Did she work in the same building as the accounting department? Stutter and stammer something about working "different" shifts. I asked her for the telephone number for the accounting department. She gave me a number which I called and it took me right back to collections. Another person answered and told me to call the same number and put in 0 at all the prompts. I did that and finally got a "Customer Service" rep. I use the term very lightly. She definitely was not there to service the customer.
This person then told me they "don't have an accounting department". Sure. I then explained the problem to her. Instead of trying to correct the error, she decided she would lecture me on sending 2 payments in the same envelope and proceeded to tell me that it was my problem and basically that it wouldn't be fixed. She told me that the bill even had a statement on it saying that you should not mail 2 payments in one envelope. I have just finished looking over my bill and there is no such statement on it. There is however, a statement addressing disputed charges. It states that they will not charge late charges on any amount in question and they will not take further collection action on an amount in question. It states that you must pay any other amount not in question. I have done that. And it gives me 60 days to question any mistake. I would say that I was well within that time frame. The problem with this statement however is that it is on the back of the portion of the statement that gets returned.
Paid full balance on Lowe's bill June-15-2001. Received bill July and stated payment not received. We pay online thru our bank (Washington Mutual). They faxed cancelled check so far three different times to Monogram Credit Card Bank 7-14-01, 8-20-01, 8-31-01. I was told that once faxed copy was received would take 7-14 working days which would be about 8-25-01. I have been hung up on and told to fax another copy of cancelled check. I have recently been sent a letter from collections also asking for copy of cancelled check. It seems there is no end to this nightmare.
