The payment was returned and I was once again charge an NSF fee and a late payment fee. This was the same exact scenario - the bank information was the same as always, and there was plenty of money in my account to cover it. The December payment went through alright, but the January payment did not. I told the fellow on the phone this, and I also told him that if it happened again, I would report them to the Federal Trade Commission. I suspected at that time that this was a scam the company was running in order to charge late fees and NSF fees. A new payment was submitted with the same bank account number and routing number, and that one went through. They were sorry and refunded the NSF and late payment fees they charged. The following month, the exact same scenario played out. Further, my bank account had over $1,000 in at the time it would have posted. Now, my bank would surely had charged me an NSF fee for this, but they did not. A week later I discovered that the payment had been returned to the bank. I sent off my first payment of $50 on November 25th. This is the same account I use to pay other credit cards, and other bills. To make payments, I set up my checking account. I applied for it and received it on October 26, 2020. I put the card in the bottom of a dresser drawer, so I wouldn’t be tempted to actually use it for anything flippant. I thought I would use it very sparingly, so I had my Medicare Part D premium ($10/month) charged to it, and planned to pay it off every month. It had a $500 limit (unheard of as usually these offerings are $300). One day in the mail I was offered a new credit card, a Master Card called “Verve,” issued by Continental Finance LLC.
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