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ALittleSongALittleDance

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  1. Hi Guys! Looking for some advice on credit cards or banks that will allow credit card statements to be set up to AUTO-PAY IN FULL each month. I have an American Express card that I was able to set up through American Express to pay in full from my Chase checking account each month and it has been such a time saver as well as a worry free method to earn credit. I have some other credit cards and have found that I am unable to set any of those up in the same way. I can set up to pay a set amount which is not ideal since the amount always changes. Is this something that is not typically offered? I would appreciate any input!!
  2. Thanks everyone! I'm glad that you have not had issues with RCam Centex. It is not set up like every online payment system for the credit cards that I have and find my other cards very easy to pay (including getting immediate confirmation that the payment went through). I also don't understand why the amount due online would be completely different than the amount due when I call in to their automated telephone system at the same time and the difficulty to get through to a human to get an explanation why makes me hesitant to continue using the card. I'll go ahead and keep the card.
  3. Hi all- I have a Target Redcard and absolutely hate their payment system. You have to wait no less than an hour to talk to a human (was on hold over 2 hours Sat and ended up hanging up). I have gotten different amounts "due" on their website to pay vs. their automated telephone system. Already messed up a payment thinking it went through online but it didn't which negatively affected my credit. I decided I wouldn't use the card anymore, but would love to still get the 5% off purchases since I shop there frequently. Does anyone know if switching from the credit card to the debit card will negatively affect my credit? I know closing an account is not good, but I wasn't sure if switching to debit fell under that category or not? Probably a rookie question, but I couldn't find anything on google so I figured I would ask here. Appreciate any suggestions!
  4. Thanks for the information. I've paid everything off and have a $0 balance. I remember triple checking the account number before submitting the payment so it so it seemed unlikely that it was entered incorrectly and I failed to notice, however human error is always possible. Does anyone know if there is any follow up I can take with the credit bureau to ask forgiveness for the late payments?
  5. The first payment was due 3/1/20 (statement closing 2/4/20) in the full amount of $22.89. Unfortunately, I am not sure the date of my first attempted payment, however I do know that it was late...I just have no idea unfortunately and didn't take any record. I always pay the full amount due so any payment attempt would have been the full amount. The 2 following statements are showing due dates of 4/1/20 (statement date closing 3/4/20) and the amount due was the full amount of $23.89 and the next was due 5/1/20 (statement closing 4/4/20) with the full amount of $24.89 due. Each of these had accrued a $1.00 fee. Below is my second attempted payment through their site and the 2nd time I received a confirmation that made me believe that the payment went through (I would estimate the first attempt was a month prior but again, I don't know the actual date unfortunately). I had not submitted payment successfully this way before as this was a brand new card. I had sufficient funds in my account and was told by a Target representative on the phone that I was missing numbers when I entered the account number and that was the reason it did not go through. What I am confused about, is why it would let me submit a payment if there were an insufficient amount of numbers and how the site registered that it was a Chase account I was attempting to pay with. I finally successfully paid the bill in the full amount of $24.89 on the phone with a Target representative which is posted on my account online. I am not sure what my account agreement says about handling billing disputes, however the Target rep I was speaking with on the phone says that she would make a note that I was disputing the return payment fee. That being said, I am more than willing to pay that immediately if it's recommended. I guess it sounds like I missed payments fair and square after looking at all the dates, however I am wondering if there is anything I can do considering the misleading "payment submitted" messages (even though I have no actual record of the first one)? If not, can I ask the credit bureaus for forgiveness for these "late payments"? Should I pay the return payment fee from Target now?
  6. Hi All! Hoping to get some advice on a late payment situation with my Target Redcard.... This is a new card for me and it's been off to a rough start. I used it online before I received the card physically. Unfortunately, I completed forgot that I had actually used it and didn't notice there was a balance until it was slightly overdue (less than 30 days). This is when I first attempted to make a payment online and it looked like it went through just fine. A month or so later I logged back in to see that the payment never actually went through. I attempted to pay online again on 4/25, this time taking a screenshot of the confirmation that the payment was "submitted". I was given a confirmation number along with the last 4 digits of my account, that is was paid with JP Morgan Chase and the amount paid (the same thing I saw the first time I attempted but didn't take a screenshot). On 5/16 I logged onto my account again and I found that the payment still never went through and that I was also being charged with a "return payment" fee. I spoke to several people on the phone with Target, explaining that this would have been amended immediately had I been notified that the payment did not go through and that I had attempted twice to pay online. I was told that I was sent a letter to notify me, however I never received since A. I am enrolled in paperless and I do everything online and B. haven't checked mail as frequently since covid19. All of them told me there was nothing they could do to remove the fee and I could write a letter to the credit card company directly. At this point (5/16) I paid the bill in full (excluding the fee) with the representative on the phone and started drafting a letter to Target to dispute the return payment fee. I have since confirmed that this payment went through and posted to my account. Shortly after this I was notified by credit Karma that my credit score had changed and discovered that Target had reported the 60 day late payment to the credit bureaus which dropped my score nearly 100 points. I'm believe this was likely reported to the credit bureau before I paid my balance but I'm not sure. I would like to dispute this but am not sure the best place to start. I originally drafted a letter to Target to dispute the return payment charge on my account, but now I would also like to ask them to remove the reported late payment to the credit bureaus as well. Should I start with them or should I go straight to the credit bureaus? Is there a template I can use to streamline my request without getting into the details that may be more effective? Please help!!
  7. Hi All! Hoping to get some advice on a late payment situation with my Target Redcard.... I attempted to make a payment online and it looked like it went through. A month or so later I logged back in to see that the payment never actually went through. I paid again, this time taking a screenshot of the confirmation that the payment was "submitted" since I know that I did this already. Recently, I found that the payment still never went through and that I was also being charged with a "return payment" fee. I spoke to several people on the phone with Target, explaining that this would have been amended immediately had I been notified that the payment did not go through. I was told that I was sent a letter, however I never received since A) I am enrolled in paperless and I do everything online and haven't checked mail as frequently since covid19. All of them told me there was nothing they could do to remove the fee and I could write a letter to the credit card company directly. At this point I paid the bill in full (excluding the fee) and started drafting a letter to Target to dispute the return payment fee. Shortly after this I was notified that my credit score had changed and discovered that Target had reported the late payment to the credit bureaus which dropped my score nearly 100 points. I would like to dispute this but am not sure the best place to start. Should I send my letter to Target's credit card company to ask them to remove the fee and report to credit bureaus or go to the credit bureaus directly? Please help!!
  8. thanks for the help. Regarding the hospital visit: I realized that I in fact had not paid this bill. I thought I had because it was under the same company name as some of the other urgent care visits that I DID pay (and have confirmed) So they are offering me 25% of the hospital bill if I pay before 1.1 - I do owe them the money I am not trying to dodge out of it, I just wanted to be sure I wasn't double paying and as pointed out it was creating confusion with the same company name for both urgent care and hospital. Urgent care IS paid in full. My intention is to pay the hospital in full today or tomorrow so as to get the 25% off. So I should just request the hospital to put it in writing that if I pay in full the balance is $0.00, correct? However.... NEW BILLS: Okay so I do have an additional bill from an urgent care from Oct 5th 2018, Nov 26th 2018, Dec 19 2018. I'm looking this one over. I've had this bill for a while but didn't pay it because I thought I already had through the HSA. I've had this bill for a little... maybe a few months ago. I'm curious why it took them so long to bill me? How long do they have to bill you? I usually pay my bills when I receive them but I didn't on this one because I thought I was paid up. Its over a year old, should I spend more time on the HSA people to try and figure out exactly what my payment history is? The problem is that my old HSA was bought by a new HSA, new log ins etc... I am able to log into my new HSA but there's literally no record of old bills, payments etc. They have contributions listed but they don't list anything else, which makes this difficult. So I'd basically have to figure out how to access those records, do I Need to go through the original HSA? I am not even sure I know the name of the old company. This has been a huge learning lesson. I know have one primary Dr and I'm going to use them in all situations possible so as to eliminate confusion. I wasn't taking care of my body and I had tons of medical issues, and I guess I wasn't as organized as I should have been. This is my medical mess and I Think I've posted about all of it. Thanks again!
  9. Jan 1 urgent care update: (this is the one I think I'm being double billed for) As it turns out, today I called Sutter Urgent Care and they transferred me to their billing department. Billing department said she does not show any balance due on the account. But she said she can't say for sure that I Don't owe anything. She said I need to call the actual urgent care where I received treatment. Which is where I called to begin with. She said I could try calling the neighboring town urgent care to make sure they aren't the ones handling the billing. I saw the guide that why chat posted and I skimmed through it. Seems much of the guide is directed towards medical biling that has already gone to collections. Nothing is yet in collections on this.
  10. Okay thanks that's very helpful. Seeing as there's a payment set to pull on 1.1, I should probably notify them and ask that they cancel this payment for the time being right? I'd like to get this sorted out before giving them any money.
  11. to provide a little more context. I paid the bill for the urgent care center on an old HSA. That HSA has been purchased by a new company and so my account transferred over but i have no access to the account history...payments etc. I didnt save my payments because I figured I would have access to the HSA. Now realize that was a mistake. The two hospital visits in July I have not yet paid for. I am hopeful to get them to reduce the bill if at all possible. Not trying to dodge paying them.
  12. State of CA: Around Jan 1 2019 I went to an urgent care ($1200). I also went to the ER twice right around July 4th ($1,000 per visit) I believe I paid in full for the Jan 1 visit, I made multiple $500 payments but they are now billing me in full again. Last week I called each medical facility for an itemized receipt, asking exactly what they are charging me for. When I was on the phone with the urgent care (Jan 1 visit) I asked them to resend the bills but I also set up a payment plan. I figured having the payment plan set up would buy me some time to figure it out because like I said its been a nightmare with the old HSA account I can no longer access. Should I follow through on this payment now or should I tell them that I feel as though I already paid? No payments have been made on this new payment plan yet. Its set up to pull the first payment on Jan 1 of 2020. Regarding the hospital visits, Both the July visits were at the same hospital. I had a panic attack and went to the ER for the first visit, and the antibiotics gave me a UTI so I went back. I felt the ER was my best option because during a previous UTI I was peeing blood and my kidneys were not working properly. The bills from the hospitals are about $1,000 per visit. None of these bills have hit my credit report yet. What do you recommend I do here? Thanks so much for the help and please let me know if there's any resources I should read that will enable me to get a better understanding of which path to take here.

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