By Patricia L Johnson
To My Friendly, Patient and Understanding Credit Card Company
Following is a Timeline of Events that have transpired regarding payment on my credit card account number xxxx-xxxx-xxxx-xxxx.
| 02-28-2014 | Prepared check number 7379 in the amount of $xxx.00 and mailed to your company. |
| 03-12-2014 | While reviewing my checking account online, I noticed check number 7379 had not cleared my bank. |
| 03-12-2014 | Called your company to see if my payment had been received and the automated system stated I was $xx.00 past due. Attempted to make a phone payment, but stopped in the middle and hit operator because I didn’t know how to answer one of the questions asked by the automated system.Talked to your (very pleasant) representative and explained to him how the payment was lost in the mail, how I wanted to make an online payment but had not completed the transaction and gave him the information to make an electronic payment.
Asked him to ensure that both my check and the online payment were not processed by Payee and authorized a $xxx.00 payment. Confirmation number 123456788 |
| 03-12-2014 | Called my bank to stop payment on check number 7379, but the personal banker was not available so I left a message on her voicemail. |
| 03-12-2014 | Prepared a FAX to send to my bank to stop payment on check number 7379. |
| 03-13-2014 | Prepared a letter to mail to your company attempting to explain what had happened that my payment was late. I don’t believe I’ve ever had a late payment before. Letter mailed to your company 03-13-2014. |
| 03-13-2014 | Stopped at my bank on another matter and while I was there spoke to the personal banker who explained that your company had made (two) separate deductions from my account in the amount of $xxx.00 each. She also advised she would notify the main branch to return one payment, but it would not show up on my account until the following day. |
| 03-14-2014 | Made an online transfer and noticed the two separate deductions for $xxx.00 each, and assumed the credit for the return of one payment would be forthcoming. |
| 03-15-2014 | The personal banker called me at 9:00 a.m. to explain there was an error and BOTH $xxx.00 payments had been returned to your company. I asked if she could make an online payment and she said it would not go out right away, but I could make a phone payment which would be processed immediately. |
| 03-15-2014 | Called your company to make an online payment in the amount of $xxx.00. I figured I had to make the amount different so the payment would go through. Confirmation number 12356789 |
| 03-15-2014 | Sent an e-mail message to the banker asking the bank to write a letter and send to me by FAX explaining their banking error so I could mail it to your company. |
| 03-15-2014 | Banker sent an e-mail stating she would follow-up. |
| 03-15-2014 | Received FAX from banker. |
I have all the documentation available and if you would like I will FAX and or mail to you, but at this time all I am mailing is my original FAX to the bank and their FAX indicating how their error was made.
If you would please forgive the errors made by the USPS, your company, and my bank it would be very much appreciated.
If you choose not to forgive the errors made by the USPS, your company and my bank and choose instead to charge a late fee to my account, I suggest you send that late fee directly to the USPS, my bank and/or your finance department for immediate write-off because I have spent more time of this one payment, than I have all on all my bills for the entire year and have no intentions of paying a fee no matter how many days late this payment may turn out to be.
From: Your normally very happy and satisfied customer who has become one ticked-off raving maniac over these errors.
Thank you and have a very nice day,
© 2014 Patricia L Johnson
ARTICLES and ANSWERS 2020 
Give up? NEVER! But I think you are 100 percent correct because it gets worse. The credit card coming is only indicating one payment, so when they get the notification that two payments were deducted from their account by my bank, they are not going to be happy campers!
Have a good day 🙂
It’s almost to the point now where if there’s a problem, it can’t or won’t be solved, and there’s
nolthing you can do about it..