I like MicroCenter very well, and applied for and received their branded credit card for use in their store. The card is actually administered by Wells Fargo. If you make a charge under the plan that I signed up for, you have 6 months to pay off the charge with no interest. I make my payments electronically on Wells Fargo's website on a monthly basis, having funds transferred from a checking account.
I received a statement today reflecting no payment made the previous month, so a $35 late fee was charged. This had happened once before, and I assumed that I had made a mistake, forgot to click a button, etc. This time I was certain that I did everything right. But, Wells has no record of the payment. Actually, I didn't do everything right, I failed to write down a confirmation number.
I called customer non-service and described the problem. The lady was pleasant on the other end, and I made a phone payment to get the account current. I asked for the fee to be waived, and she said they are simply not allowed to do that, unless you have a confirmation number, which is proof of payment. OK, that one's on me, but I didn't write a number down because the page SAID the payment was made.
Now here's the main reason I'm PISSED. The lady asked for the followup e-mail after the payment is made. Their system DOESN'T send me an e-mail. Their website doesn't allow you to log on to look at the status of your account, or view a statement online, or download one, or look at your payment history. So it's pretty dang hard to manage the account with no info. I could be cynical and think that the payment doesn't go through on purpose, because they can then charge the late fee, making up for the no-interest program. The lady even agreed that their website is "behind" and the above features would be nice. WTF???!! It's a financial company that RUNS on computers. How can their website not do these routine functions? All the other payments I make electronically do that.
I don't blame MicroCenter, and quite like their store. But, as another computer company, they shouldn't associate their company with a sub-standard one like Wells. I actually have an investment account with another division of Wells. I'm paying off the rest of the card, sending it back to them in pieces, and moving my investment account. This is a wretched way to conduct business in 2011, and I won't accept it because I'm PISSED.
Product or Service Mentioned: Wells Fargo Account.