For several years, I have been a good Best Buy card holder. About the middle of last year, my finances were so difficult that I simply did not have the money to make even a minimum payment. I believe I missed the one payment completely, and was late on the next month's payment.
Best Buy complained. I borrowed money to make the amount they requested, which, as I recall, was almost double the minimum payment. They called, and were informed of my situation. I do not have a full time job; I am currently working for temporary agencies. In my single weekly assignment, I make less than $25 a week. I occasionally get called to assist the local hotel/convention center with banquets, and when I have money, I send them a payment. I have told them all of this.
Best Buy's reaction to this has been to continue to harass me and my family by phone, usually calling several times a day, and to continue to send me letters, threatening this or that. One letter requested a payment of almost $400, obviously far outside what I can afford, what any of my family can afford.
I had 25 hours the week before last, so I'm sending them $25 today, plus a certified letter so they will stop hounding/harassing my family and me by phone.
I have no problems with the local store, the staff and the Geek Squad have been really great to me through the years. But the company's credit division is poorly managed. It refuses to work with the card holder and seems to enjoy harassing them and their families.
Carl Junction, Missouri