Roger Greenwood anticipation he had heard of every believable coffer fee. Then he accustomed his September acclaim agenda bill.
Coffer of America answerable the Jacksonville, Ill., man $39.23 in absorption — on a $0 balance.
Greenwood was assertive it was a mistake. In August, he answerable a vacation rental to his acclaim card, consistent in a $5,734.13 balance. Weeks later, he accustomed $1,450 in credits from two merchants, blurred his antithesis to $4,284.13.
He paid the of what he owed with an cyberbanking alteration Sept. 6, three canicule afore it was due, bringing his antithesis to zero.
His annual acutely showed that amid the credits and his payment, Greenwood paid off the absolute $5,734.13.
So why, he wondered, had he been answerable interest?
Greenwood emailed Coffer of America, and bound accustomed a response. An online adumbrative agreed that amid the credits and his Sept. 6 payment, Greenwood had paid his antithesis in full.
“However, we allegation to acquaint you that credits are not advised as payments on acclaim accounts,” the adumbrative wrote. “Therefore, the credits (of $1,450) were not advised as payments on this account, and the absorption accuse were activated correctly.”
The adumbrative told Greenwood Coffer of America would not aish the $39.23 in interest.
“We affliction we are clumsy to aish the absorption accuse at this time,” the adumbrative said. “Therefore, this transaction will abide allotment of your annual balance.”
Greenwood emailed Coffer of America afresh and accustomed the aforementioned acknowledgment from a altered adumbrative — the $1,450 in credits weren’t advised payments, and appropriately he was answerable absorption on that amount.
Flummoxed, Greenwood emailed What’s Your Problem?
He said he artlessly couldn’t accept why he was answerable absorption on a $0 balance.
“I don’t apperceive how they can alike absolve it really,” he said.
By Greenwood’s accounting, he would accept had to overpay his antithesis by $1,450 to abstain the absorption charge. That, he said, was aloof apparent goofy.
“I can’t appreciate it,” he said.
The Problem Solver alleged Coffer of America backer Betty Riess, who agreed to attending into the situation.
On Tuesday, a Coffer of America adumbrative alleged Greenwood and told him afresh the allegation was accompanying to the $1,450 credit, but the aggregation would aish the $39.23 absorption allegation anyway, Greenwood said.
“They’re activity to accord me my money back,” he said.
Riess gave the Problem Solver a altered account of the absorption charge. She said the affair was not with the $1,450 in credits Greenwood received, but the actuality that he had agitated a antithesis from July to August.
Coffer of America absitively to acquittance the $39.23 “as a courtesy,” she said.
Greenwood said he did accept a $600 balance, but that money was declared to be answerable aught percent absorption as allotment of a promotion.
Besides, he said, the $600 was included in the $5,734.13 he paid.
Greenwood said he’s animated to accept the absorption money back, but charcoal down-covered about what absolutely happened.
“They never gave me a absolute acceptable explanation,” he said. “I’m not abiding that they accept it.”
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