How Much Information Can a Business Demand in a Billing Dispute
My question involves a consumer law issue in the State of: Utah
Hello to all. Please let me know if I've missed information about this in my searches of the forum. I've recently had to contest late fees with the gym that I attend. I've been a member of the gym for several years and for all of that time I've had automatic payments set up. I've always had plenty of money to cover payments. On Friday I went to the gym for a workout. I was told that there was a problem with my payment. After some digging, they said that there was a late payment in March. I knew that couldn't be true, but I checked anyway. I saw the payment on my statement, clear and properly paid. I called the bank... there were absolutely no problems at all. I can see the successful transaction right there. Payment was made without delay. Every shred of information shows that the problem is not with me or my account... it's clearly some sort of error on the part of the gym.
At the gym's request, I sent them screenshots of my online bank statement, but with all of the irrelevant parts blurred out. They then told me that's not good enough; I would have to provide my bank statements for the month. So, my question... can they seriously require that? Demanding an entire month's statement seems beyond excessive. I've offered alternatives. My bank has offered to verify whether a given amount of money was available on dates they specify; then they won't have to invade my privacy to get an answer. They refused that option. They seem to be very defensive... I must prove I did nothing wrong. Are there any relevant laws I should know about? Any suggestions?
Re: Contesting Late Fees -- How Much Information Can a Business Demand
If you paid by electronic transfer, how about getting an official record of the transfer from the back. If you paid by "online bill pay", there is likely a document you can generate from the bank's website that tracks when the payment was processed by the recipient.