Kirsten W.

I got a Pier 1 credit card for a single purchase of about $50 just to save the 20%. When the bill came I went online to pay it off. You have to enter your bank account information, they don't let you pay it any other way online. So I did, it took my payment, and figured that was that. Two weeks later, I get a letter saying my payment had been rejected due to 'incorrect bank account number.' Confused, I called customer service which said I could pay over phone but they would charge me another $20 or something ridiculous. Foolishly, I tried to do it online AGAIN- very careful to enter the correct numbers, triple checked it. Payment went through again. TWO WEEKS LATER I get another letter- same thing- now I owe $112.23 with late fees and fines, but the worst part is that I now have 'SERIOUSLY DELINQUENT' on my credit report! I called again, very upset. Wanted to pay it off over the phone with a live person. Was told if you missed your payment twice you would have to mail a check to a specific PO BOX (Collections?!). I did so with a long letter explaining I had diligently tried to pay my bill, and I've NEVER had an issue paying with my bank account. They would not remove the negative credit comments, but did refund me $27 (one late fee) which I could have cared less about. I'm furious. There is some flaw in their system- which should never accept your payment if there is anything wrong with the number, only to tell you two weeks later. HORRIBLE. Now I have to dispute it with the credit reporting agencies. I will not shop there ever again. Please don't get their credit card!