Lakewood man upset that PNC won t waive late fee on credit card tardy payments
Back to Main MenuCelebrationsFraud PreventionManage Your AdPlace an AdQ: I m wondering about a recent situation regarding a late fee I was charged fopatagonia better sweater vest men'sr a credit card payment. I realize I am in the wrong but was more curious about the reason I was not able to be granted a second courtesy waiver of a late fee.Here are the facts in my spatagonia everlong review 052ituation:I paid my PNCpatagonia better sweater ion blue credit card bill on tpatagonia better sweater men's salehe Aug. 14 due date. EST cut off time. EST.I Immediately called PNC to inform them I was 15 minutes late. They told me to wait until after the Aug. 18 statement and call back fopatagonia store utahr a one time removpatagonia everlong review 050al of the late fee. I did call back a week or so later and the late fee was removed as a one time courtesy. The next month, I was on vacation and, go figure, my payment date slipped paspatagonia r4 fleece jacket men's reviewt and I paid a few days late. I called back a few weeks later to request the late payment be removed. PNC said they cannot grant a second removal of the late payment fee due to fair lending laws. PNC said if I was granted a waiver for the second time, they would have to grant everyone two courtesy waivers due to these laws. Is this true? I find that hard to believe it is not on a case by case basis.I feel like the first waiver was hardly a courtesy since I paid on the DUE DATE! The cut off times are all over the board for credit card companies. This is something that should be regulated or made uniform.I have been a PNC card member since 2006 with a clean payment history up until these few payments.Is there anything that can be done? I am mainly trying to validate that there s no way to consider special cases or a customer s payment history due to these lending laws I find that ridiculous, if true.Thapatagonia discount code alamonk you for any assistance you can provide! A: To your biggest question first about the fair lending excuse for not waiving your late fee two months in a row.There s nothing specific ipatagonia everlong review 051n any fair lending laws that prohibits banks from approving one or two or more waivers of late payment fees. What the law says is that all customers or potential customers must be treated fairly and equally without regard to gender, race, age, etc. Banks can make depatagonia everlong review writingcisions based only on the financipatagonia everlong review 05al facts about a customer.So this doesn t mean that a bank must grant everyone a one time waiver of a late fee. But if it grants one and denies another, it must be able to document the reason. Maybe you have to be a customer for more than one year to qualify for a late fee waiver?I found some legal background pieces written for the financial services industry that indicated if a bank wants to make an exception to any rule it has, it just needs to document the reason to protect itself from any allegations of discrimination.Most likely, PNC felt that a mistake two months in a rowpatagonia houdini gift patagonia everlong review 053is a pattern, not a fluke. Perhaps the employee didn t want to tell you patagonia messenger bag tutorialthis.
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