Has anyone else found out that they were enrolled in paperless statements, when they never signed up for it? I found this out only after two seperate months of not getting a statement and getting socked with a late fee. I rarely use this card, but have had it since 1984. The first time it happened I though the statement was lost in the mail, and called to make an automatic payment from my checking account. When I told the customer service rep that I never recieved a statement she never told me about the paperless statement. It wasn't until the second time, months later, I received a late payment notice that I went online to check my balance. I had a charge for an automatic annual subscription to Consumer Reports which was easy to have forgotten about. So once again I called and made an automatic payment from my checking. After that I checked the balance on the card everyday, and sure enough there was a $1 service charge hanging there that would have costed another late fee had I not notice. In the end I cancelled the card, but still check online to make sure there are no more charges. I know a lot of folks carry a balance on their credit cards and it's hard to cancel them. But the only way to send a message to Chase is to simply stop doing business with them.

Beginning of this year with my Costco Card (HSBC Bank). I often go 3-4 months without using it and pay my balance in full every month. I got switched to paperless billing (I actually *might* have requested it on this card) and soon after my annual membership fee was billed. I never received the emailed statement or notices and since I had paid off the card just before switching to paperless billing and hadn't made another purchase in over 3 months, I didn't know I owed them any money. One day in the mail I received a letter stating my account was 90 days past due and I needed to make a payment to avoid other collection attempts. I checked online and my email address was correct. When I sent them an online message I even got responses and notices regarding the online messaging in my regular email. But yet, I never received any email regarding my monthly statement. As they informed me, they send out an email when the statement is available, a reminder when the due date nears, and another email to let you know you missed your due date and a payment is due immediately. None of those were received. I find that odd. They refused to refund any late fees or finance charges. Only after filing a complaint with the Attorney General's office and the BBB did they agree to refund the charges. I then closed the account.

Just recently I was the victim of "Paperless Slamming" with a Chase credit card where I know I did not request paperless billing (I will never do that again after the Costco/HSBC incident). I pay my bill in full every month and rely on the bill to make my payments. As a professional motorcycle racer, I travel a lot, especially in the middle of the summer which is when this occured. I was away from home for nearly 3 full months, only home a few days here and there. When I was using Quicken and paying other bills I noticed it was near the normal due date for my Chase card but I had not received a statement. I went online and I was actually already a day late. I immediately made an online payment for the full amount but of course Chase didn't care. Charged me a $39 late fee and over $24 in interest. They refuse any refund. I will take them to small claims court if need be. Fortunately, the Truth in Lending Act is on our side.