New update - after trying to get this resolved Monday, then reading all the posts, I figured I would just go online and pay the inflated payment amount until they got this sorted out, as I want to make sure no automatic systems wind up reporting this to the credit agencies. I am not overly trusting about the statement they made about not reporting until our accounts are updated - how do we know they will update correctly before triggering any reporting?? So I went to log in, but then I was no longer able to (I did not have a problem initially), so I had to call to get the account to let me log in. I tried the "Lost password" link, but never got an email to reset. That's all fine, and yes 1.5 hour wait - working while on speaker phone hold so no big deal - until I got someone.
The person who came on to help started off, and kept pressing me to pay the "Late payment due" before he could help me with anything else. Even after acknowledging he could see my January Synchrony payment, but that it had not been updated on my account - he asked once again for a credit card to pay the amount showing as due. He said the overpayment would eventually be applied to a future bill once they sorted it out.
I was of the mindset that they ran into difficulty, and they knew they were in error so expected a much different attitude on their part. So now they want to borrow our money while they figure this all out?? We should not have to make overpayments because of their errors, and if we do, any overpayments should be applied as extra principle payments, or returned if requested, not held for future payments due .
They really surprised me with the constant request to pay - especially after acknowledging the payment was made, and they were still updating all the accounts. He made that request 6 times during our call - a call where all I really wanted was a reset to login.
I asked specifically if I had to pay the higher amount shown, or if I paid the lower correct amount (Per contract) would it trigger any credit reporting, etc. The answer was "If you are able, pay the amount shown as due" - again this is after he acknowledged that the account was still being updated. He did not confirm or deny the amount as being correct - I am sure he was not authorized to do so, he merely acknowledged the accounts were all still being updated. The answers were far from humble and apologetic. And for the record, I conduct business calmly and don't use loud or foul language, as I generally find I get better cooperation that way - so the bad attitude was on their side - I could have forgiven the misstep on the transfer if I felt that they were trying their best to resolve this without adversely effecting the customers - but that is not the impression this customer service agent gave me. Hopefully others will have better experiences as this gets sorted out, or with other agents.
The whole point of owning this boat is to have something fun and relaxing - this experience is certainly killing that concept. Ironically I received a notice from our dealer today stating that they always love to hear about our fun experiences on the water - not sure they will be too happy to hear these saga's. Luckily they sell other brands, as we are looking at adding a PWC - not too likely to go with Yamaha at the moment. Good thing for them that time heals.
