September 21, 2012 8:00 PM Subscribe
I "paid" my bill... the credit card company goofed. Is my credit score ruined? How can I fix it?
posted by kettleoffish to Work & Money (19 answers total)
I have a credit card (I don't know if I should say which one) and a bank from the same institution, a major bank.
The situation: I paid off my credit card by phone-- I usually pay by checkbook, but in a pinch, I didn't have it, and needed to do it by phone-- a week in advance.
The next day, I had a nightmare that I had a cat and forgot to feed it, and it died. I woke up feeling something wasn't right.
I thought something might be wrong with the transaction; I had told the person on the phone "PLEASE BE CAREFUL you're getting the right information... I'm not sure it's correct." So I checked online-- nothing seemed paid, but they'd said it would be a few days.
After my cat nightmare, I called the bank back and got a very high school sounding girl who said, "oh, yeah, it hasn't been paid yet." Upon which I explained I had paid and she said, "yeah, I can't tell why. It just wasn't paid."
I hung up, called back, and spoke to another operator, let's call him "laid back dude," who said, "yes, it's fine, everything's paid."
I checked online and the outstanding balance was 0.
Fast forward to my credit card being declined at dinner today.
I spent 90 MINUTES on the phone with Citibank today with someone who kept trying to explain to me that I had paid everything correctly, but shorted them on the bill 13 dollars.
Transferred to customer service-- the person explained that the 13 dollars that was showing up was a leftover charge from a prior month, August. Then, they said that it was a late fee because I must not have paid the balance.
I kept asking, "are these conversations taped?"
But then, after about 90 minutes of being asked to hold and transferred, I hung up and called again.
This person explained that the first person who took my payment info should not have taken my ATM card number (which I gave to them) and should have taken the account number. These apparently have a different number of digits.
It took 7 days for my bank to decline the charge, which is why I only found out when it was too late.
....WAYYYYY Tl;dr-- the bank goofed-- I apparently messed up in ways I didn't even know where possible-- paying for credit cards by phone is HORRiBLE.
So-- Is my credit score lower now?
How can I find out if this was affected?
By the way, how can I find out if what the last person told me was true, or if this is a mistake?
Also, is this likely to happen again if I pay by check, or should I switch banks????