Comments on: Credit Card Act of 2009 Part II – How to Complain

By: Matt Spitsbergen

Matt Spitsbergen — Sat, 15 Oct 2011 14:13:04 +0000

Exactly the information I was looking for. My credit card company is not applying payments above the minimum due to the higher balances.

By: Kathleen Walker

Kathleen Walker — Mon, 31 Jan 2011 22:06:28 +0000

Which agency should I contact for a complaint about American Express? My account with them was set up for the bills to be due approximately the 17th of each month, (so that all my bills do not become due on the 1st of the month). For the last several months, my American Express statements show a “Please Pay By” date that usually falls on the 7th of the month, ten days sooner! Nowhere on the statement does it show a “Due Date”, or “To avoid Late Charges, Pay by this Date”.
I’ve called them every month about this, and they assure me that I have at least until the 17th of the month before the bill is considered due or late. They tell me the “Please Pay By” date is just a “suggestion”.
It seems to me that they are in violation of the Credit Card Act of 2009. I thought the due date was supposed to appear in a conspicuous place on each bill. Am I correct?
Besides American Express, who can I complain to so that this omission is corrected?
Thank you.

By: Kathleen Walker

Kathleen Walker — Mon, 31 Jan 2011 21:59:04 +0000

Which agency should I contact for a complaint about American Express? My account with them was set up for the bills to be due approximately the 17th of each month, so that all my bills did not become due on the 1st of the month. For the last several months, my American Express statements show a “Please Pay By” date that usually falls on the 7th of the month, ten days sooner! Nowhere on the statement does it show a “Due Date”, or “To avoid Late Charges, Pay by this Date”.
I’ve called them every month about this, and they assure me that I have at least until the 17th of the month before the bill is considered due or late. They tell me the “Please Pay By” date is just a “suggestion”.
It seems to me that they are in violation of the Credit Card Act of 2009. I thought the due date was supposed to appear in a conspicuous place on each bill. Am I correct?
Besides American Express, who can I complain to so that this omission is corrected?
Thank you.

By: ChrisR

ChrisR — Tue, 09 Mar 2010 21:13:10 +0000

I received a direct mail offer from Fidelity Investments, my employer’s 401(k) plan, for a credit card that would put money into my retirement account; one term violates the new law–applying excess payment to highest APR balance first. Where do I go to complain about this? Fidelity is not a bank, obviously.