Legal Question in Credit and Debt Law in Virginia

Re: My bank proved I paid! Credit card company won't post it to my account!

I have read other online complaints about this credit card issuer. I would write to the corporate offices (in WVA I think), including all your support of payment, with a copy to the appropriate state and federal regulators.

Re: My bank proved I paid! Credit card company won't post it to my account!

You raise a lot of interesting points, but the critical issue in something like that is not the theory but the hard proof. I think it would be most interesting if you can document that your bank (checking account bank) paid out the money on certain dates and it was only posted to the credit card bank after the due date. However, to get anywhere with a claim like this, you would have to document this on a number of different months to show that it is a consistent pattern (not 100% all the time, but at least a repeating event) rather than a one-time or innocent mistake. Also, your documentation would need to be very clear, very good, and very organized, leaving absolutely no doubt about it. That would ahve to include the fact that a late fee was charged. Unfortunately, to have a lawsuit you would probably have to endure this for a while longer, to collect proof. And to have a lawsuit you could bring, you would need to actually pay the late fees, because your lawsuit would be based upon being defrauded out of the late fees. If you had not paid the late fees, you would not have "standing" (speaking loosely, actually damages) in order to be able to sue.

However, you might be able to bring a lawsuit and seek some large punitive damages. When you have this evidence collected, give me a call and perhaps I can file such a lawsuit for you, possibly even on a contingency basis.