I bough consumer goods at Best Buy in XX/XX/XXXX upon the " promotional offer '' of 24 months no interest. I have made payments every month on-time since having the card through an automated payment system. I signed up for " paperless billing '' at some point owing to the benefit to the environment. I did n't realize that I was n't receiving notification of my payments or my bill in my inbox despite Best Buy claiming to have records of sending them. Today I called in to my account to reset my password and asked why my account balance had increased so dramatically. The agent on the phone explained that when the " promotional period '' expired in XX/XX/XXXX I was charged all the interest from the amount of the original purchase from the 24 months, which was a total amount of {$1100.00} and the rate of interest on my balance was lifted to 25.24 %. My current outstanding balance stood at {$580.00} so I could not believe that this was possible. I explained my situation for which they apologized agreeing that not everyone gets the " paperless bills '' and made me the offer to reduce the amount of the interest being charged by 50 % if I paid off the principle amount of {$580.00} in this day and this day alone. If in fact I did not pay today, the representative could make " no guarantee '' that the offer would be extended again. I countered him offer by agreeing to pay the outstanding amount of {$580.00} + the APR against the amount due since the period expired at the excessive rate of 25.24 % for a total of {$640.00}. He said he could not accept this offer. 
In summary I have made payments against this account on time every month and maintain that I received no notification of the penalty associated with not paying the balance of my account in full before the " promotional period '' expired. I am requesting that they drop the interest from the promotional period entirely, in exchange for payment in full of the principle balance. 

XXXX XXXX XXXX 
