Is it the FTC in the USA that handles credit card problems? I went to pay off a bill the other day, and got a notice of a late fee. So, I call and of course it is an offshore call center probably in India or some such place, saying the cut off time for my area is 1 p.m. Since when? I ask since it is not on the paper bill or online either. She says I am just supposed to know. I had a hissy with the person and finally she said she would remove the fee and I would get a notice in 10 days to 14 days. I suppose I need to file a written complaint too. There is NOTHING anywhere that says this on the bill! They could just decide to make it 1 a.m. if they want to or change it to a completely different date! I am not a happy camper right now.
Doesn't the cut off time have to be on the bill? It just has the date for pity's sake and says cut off on that date! Nothing about a time?!