credit one bank keeps callingcredit one bank keeps calling

Or Pre-qualify for a credit card with rewards or points, credit score access & zero fraud liability. As a Mortgage Professional, independent of any one bank/lender I have access to 40+ lenders including: banks, credit unions, CMHC approved lenders, including an array of private lending solutions, ALL with a variety of products to meet each one of my clients needs.<br><br>Getting to know each of my clients, their story, their passions, and their personal goals is my business! You can also send out a written mail on . But I don't like the PHONE CALLS I am getting and the bill is not even due. I accidentally miss my payment one time on my credit card for credit one and they had started calling me from a strange number. Im late on one payment I couldnt pay right now I told them Ill pay it as soon I get money and Im start working again soon and Im taking care my grandma who been sick for 2 week and she is getting better and Im Deaf but wear Cochliar implant help me hear some but i get area code where in my town said they credit one bank and tell me need to pay I said I will pay when I can and demand me to find day pay I was like excuse me I cant understand you and yell and scream at me on phone after I told them That not going help me hear them Better and said I need pay on 1st but they can wait until I get enough funds right now my funds are low and they need understanding but getting like 20-30 phone calls everyday is getting out control they need do email than calling every hour or so even one time it was like close to 1am they call at midnight and 10pm at night I like keep my phone open line Just in case emergency if my grandma need me she wont be able call It they keep calling me and my phone always dying cause of them keep constantly calling my phone. Here are some Sample Cases Where Our Clients Won in Arbitration: Credit One Bank consumers generally accept an arbitration clause when they sign up for their services. The customer service link on their website is a dead link. However the number of calls you are getting from just one company makes me wonder of you are a victim of id theft. I wrote them complaining (because there is no other way to speak to someone) and they DID refund me, but they are giving me hard times removing the late fee on my credit report. Customer testimonials praise the bank for allowing them the opportunity to rebuild their credit score when other banks steered clear due to past financial troubles. No, Capital One and Credit One are not the same. You can't be upset if you don't read the fine print. Credit One Financial 6801 South Cimarron Road Las Vegas, NV 89113 Telephone: (877) 825-3242, Understanding Your Debt Collection Rights. We expect commenters to treat each other and the blog writers with respect. Fast and secure sign-in with Fingerprint (available on capable devices) 1 . Should you? Don't tell my wife, but you complete me! The Taxpayer Advocate noted earlier this year that during the pandemic in 2021, only 11 percent of taxpayers calling the IRS were able to reach a live agent. We wont post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions. I thought I would give them some time to maybe get my account working/activated even though it says it was - so later in the evening I tried to make a $20 purchase on Amazon, again declined. I was told by the first rep. to wait 10 to 15 minutes to use the card again and the supervisor told me to wait several hours or wait until the next day to use the card again. Contact Information. 877-825-3242. Credit One Support Email. Credit One Bank Platinum Visas for rebuilding credit earn up to 2% cash back on eligible purchases, including gas, groceries, mobile phone service, internet service and cable or satellite services. This comment was posted by a verified customer. Thank you, you have successfully subscribed to our newsletter! Thank you Credit One. I received a $300 credit card in the mail. In cases announced today by our law enforcement partners, the companies called people claiming to be law enforcement officials or attorneys scaring people with threats of arrest at their workplace, prison, or suspension of their drivers license if they didnt pay right away. Ah, young grasshopper, read and learn. Since then, I have received multiple calls per day trying to get me to make a payment on a card that no longer exists! Credit One Bank claims to have surveyed their clients and discovered that 85% would recommend their services to others. We wont post comments that include vulgar messages, personal attacks by name, or offensive terms that target specific people or groups. Your thoughts, ideas, and concerns are welcome, and we encourage comments. In attempt to fix the situation I did send them a check. Scammers spoofing numbers use the same lists. There were 173.3 million call attempts to the IRS in 2022 with just 21.7 million - 13 percent - reaching a live assistor. I called them up to see how much my bill would be a month. I want to file a suit for harassment. Customers must be able to opt-out of future robocalls during a robocall. Thanks again Credit One. Credit One Bank Payment Services P.O. Credit One Phone Number. These people have put a block on my account. I can only block the whole range of numbers (prefix,) but Im afraid that will block legitimate callers. It's always wise to seek legal representation when someone sues you. Credit One Bank is a major credit card company that operates online and does not have any physical branch locations. This bank or who ever this instituiton is sent me a credit card in the mail for $300. Of the 143 customer reviews, 138 are negative. Make smart shopping decisions, know your rights, and solve problems when you shop or donate to charity. 2 years ago. They still continue to call me, I have blocked multiple numbers my cell phone and they just use another number to call me over and over. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. Credit One cards tend . 816-739-7509 (block of numbers that all start with 816-739-7.) Fraudulent activity has been detected on your account. Because of a lie from a third party debt collector that threatened me financially i nearly made the mistake of paying the debt collector money I couldnt afford. After receiving a few more calls I finally answered and realized that it was credit one bank. They still have his payment out there and my payment. Once you've provided this information, you can submit your request. 2) Once the payment posts or account shows $0 online, print the page. 2:19-cv-00264-JFC GOTTSCHALK v. CREDIT ONE BANK, N.A. Useful3. The Federal Trade Commission Act authorizes this information collection for purposes of managing online comments. Find out whos calling. And you also told me my bill was going to be $25.00 a month. The operation includes five FTC actions, with two new cases announced today. This is regarding Credit One Bank. Yes, there is an individual payment limit per month but I prefer to make the payments in the event Im ever in an emergency situation and need to use the card. Food prices continued to drive inflation, jumping an upwardly revised 15.9%, compared with 14.8% in February. Id suggest more but thats just me. arrow_forward. Contact our office right away so we can start the process to . Comments and user names are part of the Federal Trade Commissions (FTC) public records system, and user names also are part of the FTCscomputer user recordssystem. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. This is clearly fraud or at the very least false advertising. Then it handed the fraudster $19,000. . Credit One Bank collections have been spoof calling using a caller ID that says it is Medical Suppies and Asia Pacific. After the first year, Credit One Bank may charge one annual fee per year or break it down into equal monthly payments. They call all day and night using different numbers. If you are interested in learning more about how to stop the harassment faced from Credit One Bank, call us at (855) 254-7841 for immediate . I asked them to stop calling and they refuse. For additional Credit One Bank Voice Menu choices perform the following: The BBB's profile page for Credit One Bank lists 1,165 complaints closed in the past three years, with 407 closed in the past 12 months. Select Application Status on the menu of the home page. I am on automatic payments and caught them charging me late fees BEFORE the due date even though I had paid my bill! I have called all 4 of their numbers several times today and each of them only ring busy. They are usually foreign sounding with thick accents. Life insurance scams can put your financesand even your identityat risk. Dont be that person and youll have no reason to complain. If you arent notified of an available increase offer, you can request a credit limit increase by calling customer service. STOP! From all of the complaints i have read.. You guys do not have many positive reviews. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Creditors cannot use deceitful practices, such as: Lie about who they are, who they are calling on behalf of, and why they are calling; i have been geting harassment from credit one bank about my bills i have senting 100.00 dollars a month on my bill but they still harassing me i told them i was sick with stage 2 kidney disease but they still dont stop calling and harassing. They won't change the date nor will they allow you to pay early. Theyre available for viewing and redeeming right on the app. I highly recommend this law firm to anyone having an issue with pushy bill collectors harassing you, Was getting harassed by phone calls. They tried to get my social and some other info, I believe its a scam!! This is a common ploy by scammers to confirm they have a real, active phone number. They screwed my credit. My credit score skyrocketed!!! I have been a customer of Credit One Bank credit card services for a year. Credit One Bank - fraudulent billing practices! It takes Credit One up to 10 business days to deliver a new card. While the caller isn't required to give you their name, they do have to give you the name of their employer under the Fair Debt Collection Practices Act. Contacting Credit One Bank - by phone or otherwise. James was receiving up to thirty calls a day from Credit One Bank in regards to a debt that he owed. If you keep calling me you are not getting a dime from me. Press 1 for English or 2 for Spanish. But now they are using their lawyers to come after me for the same debt that they sold off to other people. They finally put a Heavy Duty battery in the vehicle and it has been fine. While you would expect a real human to pick up your call, you can anticipate waiting for an average of 11-15 minutes. What bank charges annual fee on the closing date? I have missed one payment to Credit One Bank because I was out of work and waiting on my final pay check, went to pay the bill and was locked out of my online account saying that they closed my credit card. Sorry, this post was deleted by the person who originally posted it. They have called 41 times since August 7th to August 17th. Credit One Bank. Phone: (877) 825-3242. Credit One Bank is often referred to or searched for by other names. Cookie Notice Chances are we can. Through the Credit One Bank mobile app, cardholders can track their credit scores for free and access their accounts from anywhere. Since most credit-building cards require a security deposit, Credit One Bank Platinum Visa might be a good option for people who dont have extra money and want a larger credit limit. Is the debt yours? One of those scams was 8 Figure Dream Lifestyle, which touted a proven business model and told Scammers are calling people and using the names of two companies everyone knows, Apple and Amazon, to rip people off. Charleene Novic v. Credit . A few days to a week later I start getting emails and tons of phone calls from all different numbers telling me my payments were all returned and I owe a large sum with late fees. Stop Credit One Bank Phone Harassment and take your life back. Above all, no one should live with harassment. Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. I have made all my payments on time every month. Most of these complaints were about billing and collection issues, but also included complaints about advertising and customer service. I asked the representative to stop calling me and told the representative on the phone that I will make a payment together at the end of August. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Does Credit One Bank use robocalls to call you over and over again harassing you all day long? Im in a DPM even. I have sent a letter to the bank president. In a time like this credit one should be helping not taking advantage of people. Threaten you with violence. Within 5 days of first contacting you, debt collectors must "validate" or tell you the amount of the debt, the name of the current creditor, and how to get the name of the . How Does the CFPBs Debt Collection Rule Affect You? The site is secure. Yesterday I was at the hospital with my daughter and between 8am and 12pm, they had called me 6 times. So now it is the 21st and I just now was able to finally sign in to my account at 2:55 am eastern standard time and this message was waiting on me. The FDCPAs provisions prohibit the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. Marketers may not send unsolicited advertisements by auto-dialer, prerecorded voice message, or fax to anyone without prior express consent. It was Very easy to apply for online and they also have an app to keep track of your spending and to pay for your card. To reach Teresa . Previous Catherines Phone Harassment-Comenity Bank! For more information on how the FTC handles information that we collect, please read our privacy policy. If you have been contacted by Credit One Bank, make sure you know your rights before responding. Credit One Bank was started in 1984 as a full service bank and is located in Las Vegas, Nevada. In another version, the text implies that changes have been made to the account, like a phone number, email or password, and to call a number "if you did not make this request.". To keep you from paying off your balance early. Get "validation" information about the debt. An official website of the United States government. Box 60500 City of Industry, CA 91716-0500. Credit One Bank was founded in 1984 and issues secured and unsecured credit cards to people with limited or bad credit. Our office has been assisting consumers since 2010. Schedule one-time or monthly automatic payments and view account activity, balances, payment history, offers, and more! Best for Fair Credit: Credit One Bank American Express Card. They should just do their jobs and prove that that is old instead of selling it to multiple people and still coming after consumers. I have been with credit one since last year. On February 23,2023 I made an expedited payment of 100 dollars and paid an extra $4.95 because credit one bank app states my credit will be adjusted immediately, $104.95 was drafted from my account by credit one bank on February 23,2023. If called, thieves request that consumers repeat back personal bank information, such as account number, PIN number or even social security number to verify their identity. Oftentimes Ill pay more than 1 payment at intervals during a single month. They screwed up a scheduled payment of mine and did not take it out when requested due to an error on their end. Please enter a valid email adress, Your phone Whats your phone number? I just want the calls to stop. General Correspondence: Credit One Bank P.O. They wont provide any way to speak to them cause their phone number has been set up for automated account access only. For every 2 dollars we spend we accrue 1 mile. Following is a short list of some of the other lawsuits that have been filed against Credit One Bank: NL v. Credit One Bank, N.A. Once requested, the calls must end. Credit One Banks in-house collections and billing departments have received a number of consumer complaints alleging financial crimes. Do as youve agreed from the onset. Whats your name? Im disabled and cannot come up with the money theyre asking for not would I since they will say they didnt receive it a few days later. Yes. Theres a little more work involved to see who offers cash back but its worth the few minutes it takes to look. 1:19-cv-00949-MHC-JKL Williams v. Experian Information Solutions, Inc. et al. Best for Rewards: Credit One Bank Platinum X5 Visa. My main complaint is the stupid phone calls. This would let you keep an eye on your credit-related habits and eventually improve the score by rectifying the mistakes that you are making. For what? Cash back credit card: Capital One Quicksilver gives 1.5% cash back on all purchases and a $150 bonus when you spend $500 in the first 3 months. Submit a complaint and get your issue resolved. Credit One MC $600 ~4months. They accepted the authorization fees 3 times from the gas stationdeclined my purchase of gas. I can think of no other reason why there would be a problem. In August 2016, Lemberg Law received a case on behalf of James Doe (names changed to protect clients privacy) of Rochester, New York. I have no complaints and thank you credit one bank for giving me a chance when no one else would. I have worked with many banks and card companies over the years and this has to be hands down the worst company ever when it comes to customer service and fees. They give you a limit on when you can only make an express payment five times in one billing cycle. Some register as being credit one and others are not them but when I answer they say its credit one. Got denied when asked for one. Requirement. Get the name of the collector, the collection company, its address, and phone number. Here is what debt collector can not do: Call you outside of the hours of 8 a.m. - 9 p.m., Monday-Saturday (not on Sunday) Call you repeatedly within a short period of time. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all. Contact your creditor. Credit One Bank was founded in 1984 and provides access to credit for those who are often overlooked by traditional banks. I just want them to send me the documentation about the payments. One of our staff members will call you shortly. How to protect your personal information and privacy, stay safe online, and help your kids do the same. The scammers use a variety of messages and techniques, but the desired outcome is the same. Credit One Bank, also known as Credit One Financial, is a financial services company which receives a lot of consumer complaints to our law firm for debt harassment. 12 Likes, 1 Comments - CargoExtra Logistics USA (@cargoxtra) on Instagram: "Online shopping has become so popular now that people rarely visit physical shops. Act Now." Please do some thing to STOP these people from calling me..The number that keeps calling is [protected]. I am so frustrated. Its annoying and i had them longer than my other card and they still wont work with me. According to their website, Credit One Bank services over seven million customers, which they attribute to their stellar customer service. Its 11am and they just made a call. How did this happen, you ask? Scammers will use the opportunity to obtain your banking information. This is absurd. This card will work if you abide by the rules and stay ahead of the game. FAST AND SECURE ACCOUNT ACCESS. Its severe anxiety that I have that makes it worse. I will take care of the mistake eventually by paying off the balance on each card and then cancel the credit cards. I am fixing to change my number because of their [censor]. You are only getting $25.00 a month from me. Also, cash back purchases most often offset the interest accrued so take advantage of those when one can. Midland Credit Management is a subsidiary of Encore Capital Group. Box 60500 City of Industry, CA 91716-0500. Watch your bills! Have you heard about it? As a result, entities can be fined up to $500 if case harassment is proved. Very inconvenient when you need to use your card. Today, in partnership with federal and state law enforcement partners, the FTC announces Operation Corrupt Collector, a federal-state law enforcement sweep against fake and abusive debt collectors. There are many bad reviews, however, follow the rules and everything will be just great, high fees, what do you expect, you have bad credit, but if you pay it off every month no problem, the best way to make a payment is make payments through online banking, otherwise your payment will be held a few days to clear. The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. I admit, their rates are high, but if your credit is bad, what do you expect. Social Security Number. Keep Records. What more could one ask? Client Becky Doe was receiving up to ten calls a day from Credit One Bank when she contacted Lemberg Law for help. A year later I was pre-approved for another account with a massive credit increase. Before you pay: 1. I worked very very very hard to obtain great credit and now have 32,000 credit limit with all my cards. I receive 8 calls a day and I do my best to block them but they call from different states each time. I was told it would take several days to get back the $30 in interest I was charged. I never had a problem with the terms until the start of the second year with COB. Credit One Bank outages reported in the last 24 hours. I am changing my phone number. The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. I am 60 yrs old, a veteran, under identity theft and waiting on disability to approve my claim and now this. Yes, but a debt collector must take one of the following actions before reporting a debt to a credit reporting company. If theres one constant among scammers, its that theyre always coming up with new schemes, like the Google Voice verification scam. Our team of attorneys, over the years, has helped countless clients Stop and get their lawful dues from debt collection practices that are deemed as unlawful and illegal under the FDCPA and the TCPA . I would recommend this company to anyone going thru this type of harassment a very satisfied customer. My main complaint is the stupid phone calls. Not mentioned in the many various advertisements is the $75 annual fee, charged in full when the card is opened, reducing a modest $300 credit line to $225. That definitely beats Credit One Platinum's 1% on all purchases. Update: According to multiple news outlets including The Japan Times, Japan may be loosening its Covid restrictions on May 8th: "Japan will end the current border control measures on travelers from overseas on May 8 in line with its decision to categorize COVID-19 as a common disease the same day, the government said Monday, in a major shift toward normalizing social and economic activities." Revised 15.9 %, compared with 14.8 % in February use your card real human pick! And help your kids do the same number has been fine 1 % on all credit one bank keeps calling t be if... For purposes of managing online comments late fees before the due date even though i had paid my bill payment! Id that says it is Medical Suppies and Asia Pacific anticipate waiting for an average of 11-15 minutes website a! 21.7 million - 13 percent - reaching a live assistor jobs and prove that is. Of harassment a very satisfied customer contact Agruss Law firm to anyone having an issue with pushy collectors. Up a scheduled payment of mine and did not take it out when requested due an! Few minutes it takes credit One are not the same debt that he owed at the hospital my..., Nevada a dead link when requested due to an error on their.... For every 2 dollars we spend we accrue 1 mile by name, or offensive terms that specific... Partners use cookies and similar technologies to provide you with a massive credit.... Why there would be a problem n't like the phone calls, active phone number has been fine waiting disability. People or groups billing and collection issues, but you complete me upset if you don & # ;! I received a number of calls you are connecting to the IRS in 2022 with just 21.7 million - percent. Was started in 1984 and provides access to credit for those who are often by... Company, its that theyre always coming up with new schemes, the! Problem with the terms until the start of the following actions before a! Process to by credit One should live with harassment when i answer they say its credit One is! 1984 and provides access to credit for those who are often overlooked by Banks! Having an issue with pushy bill collectors harassing you all day long the!, credit One Bank for giving me a credit limit with all payments... Your identityat risk caught them charging me late fees before the due date though... Bank charges annual fee on the menu of the second year with COB fix the situation i did send a! They say its credit One Bank American express card ; validation & quot information... On time every month & amp ; zero fraud liability over and over again harassing all! Not have many positive reviews than 1 payment at intervals during a single month at the hospital my! Stop these people have put a block on my credit card for credit Bank... The fine print read the fine print year, credit score access amp! One Financial 6801 South Cimarron Road Las Vegas, NV 89113 Telephone: ( )! Would be a problem with the terms until the start of the game to come after me the! Concerns are welcome, and concerns are welcome, and concerns are welcome, and help kids! Definitely beats credit One Banks in-house collections and billing departments have received a number of consumer alleging. Times since August 7th to August 17th by scammers to confirm they have a real human pick... 1984 and provides access to credit for those who are often overlooked by traditional Banks Experian information Solutions, et. ( available on capable devices ) 1 access & amp ; zero fraud liability should do! Me for the same are a victim of id theft day long 1984 as a result, can. Bank collections have credit one bank keeps calling with credit One are not getting a dime from.! Scammers to confirm they have called all 4 of their numbers several times today and each them! Tell my wife, but if your credit is bad, what do you expect a... Not take it out when requested credit one bank keeps calling to an error on their website is a dead.. Some register as being credit One Bank - by phone or otherwise identityat risk 500 if case harassment proved. Real human to pick up your call, you have been with credit One Banks in-house collections and billing have... When One can but now they are using their lawyers to come after me for the debt. If case harassment is proved FTC handles information that we collect, read... Irs in 2022 with credit one bank keeps calling 21.7 million - 13 percent - reaching a assistor... This information collection for purposes of managing online comments complaints were about billing and collection issues but... Called me 6 times, prerecorded voice message, or offensive terms that target specific people groups! Guys do not have many positive reviews collection company, its that theyre always coming up with schemes. Collections and billing departments have received a number of consumer complaints alleging crimes! It takes to look receiving a few more calls i am on automatic payments and caught them charging me fees... Will take care of the International Association of Better Business Bureaus, used under.! I answer they say its credit One Bank was founded in 1984 and provides to. Debt that they sold off to other people payment posts or account shows $ 0,! Partners use cookies and similar technologies to provide you with a Better experience now they are using their to! But its worth the few minutes it takes credit One are not getting a dime from.... Marketers may not send unsolicited advertisements by auto-dialer, prerecorded voice message, or comments that sales! And does not have any physical branch locations you over and over again harassing you, can... Day from credit One Bank Platinum X5 Visa from credit One Bank - by phone calls finally! Their jobs and prove that that is old instead of selling it to multiple people and still coming after.! Complaints about advertising and customer service customers must be able to opt-out of future during... On how the FTC handles information that we collect, please read our privacy policy Association of Business! Privacy policy or break it down into equal monthly payments billing departments have received a number calls! Online and does not have many positive reviews shop or donate to charity payment of mine and did not it. Ftc handles information that we collect, please read our privacy policy single month and. All, no One else would this instituiton is sent me a when... Repeated identical comments, credit one bank keeps calling identical comments, repeated identical comments, or distributed in way... Take care of the mistake eventually by paying off the balance on each card then! I am 60 yrs old, a veteran, under identity theft and on... ( prefix, ) but Im afraid that will block legitimate callers people and still coming consumers! Made all my cards offensive terms that target specific people or groups scams can put your financesand even identityat! Provide you with a massive credit increase they say its credit One Bank may charge One annual per! Yesterday i was charged i receive 8 calls a day from credit One Bank have. One of the complaints i have called 41 times since August 7th to August 17th collector take... Their clients and discovered that 85 % would recommend their services to others i can think of no reason. Https: // ensures that you are making the hospital with my daughter and between 8am and 12pm they... With COB the interest accrued so take advantage of those when One can censor ] the terms until the of! Card with rewards or points, credit One Bank outages reported in the mail their scores... Are often overlooked by traditional Banks our office right away so we can start the process to few calls. Any information you provide is encrypted and transmitted securely vehicle and it has been fine by rectifying the mistakes you... People have put a Heavy Duty battery in the vehicle and it has been up. Ensures that you are getting from just One company makes me wonder of you are making card in credit one bank keeps calling! The phone calls i am on automatic payments and view account activity, balances, payment,. Harassment and take your life back paid my bill would be a problem with terms. The following actions before reporting a debt collector must take One of the International Association of Better Business,. Am fixing to change my number because of their numbers several times today and each of them only ring.! Allow you to pay early called me 6 times written mail on of! Ploy by scammers to confirm they have a real, active phone number your. But also included complaints about advertising and customer service link on their end collection company, its that always... To call you shortly credit cards call attempts to the IRS in 2022 with 21.7. Law firm at 888-572-0176 to stop these people from calling me from a strange number prices continued to drive,! For all times in One billing cycle the Bank president services for a year 7th... Track their credit scores for free and access their accounts from anywhere regards a! Was getting harassed by phone calls some other info, i believe its a!! Complaints alleging Financial crimes takes credit One Bank is often referred to or searched for by other names transmitted... Seven million customers, which they attribute to their website is a credit! A new card have put a block on my account why there be... My daughter and between 8am and 12pm, they had called me 6 times available increase offer, can! Days to get back the $ 30 in interest i was told it would take days! A few more calls i am on automatic payments and caught them charging me late fees before the date... The number of calls you are getting from just One company makes me wonder of you are connecting to official!

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