Creditor's Invoice Responsibilities
Hi -
I am from Virginia. I have had a line of credit for emergency vet expenses for over a year now.
At an emergency veterinarian center I used an emergency line of credit that I had opened a year ago at a former address. I was told by the office that their was no interest for 3 months and I wrongly heard them that there were no payments required for 3 months as well.
When I did not receive an invoice the next month I attributed it to my understanding of the creditor's terms. However, two months later I began receiving calls from GE Credit's collections department stating that I was two months passed due and had accrued two late fees. I informed them that I had not received an invoice and discovered they had they had not updated my contact information to reflect my new mailing address. I had them send me a new invoice and asked them to remove the late fees which they agreed.
About a week later I got a free credit report which contained a negative mark from GE for the above situation. When I called them to complain about this they refused to remove the bad mark and said they could only take off a single late fee.
Was it their responsibility to send me an invoice to the correct address? Can I get this damage to my credit removed?
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