Submitted 3 weeks ago by andros_rex@lemmy.world to mildlyinfuriating@lemmy.world
https://lemmy.world/pictrs/image/ba0eb140-8656-41af-8907-98224c146847.jpeg
I understand returned payment fees for checks, but I’ve never been charged for having a credit card decline.
Stupid of me to sign up for auto-payment when I use my credit card for gas, I guess.
I’m decades old. The lesson I learned over decades is to NEVER sign up for autopay. NEVER. THERE’S NOT A COMPANY OUT THERE THAT BUGS YOU FOR AUTO PAY THAT WON’T ABUSE YOU.
Totally get this in concept, but I’d be paying more in late fees without autopay
Just spend the ten minutes once a month to pay from your bank using the payment service.
Bill pay pushed from your bank account is okay – you can get even set up limits where it’ll cancel the payment if a bill is unexpectedly large.
Letting creditors pull from your bank account is what isn’t okay.
I really like SEPA mandates for this. Yes, they’re pull, but you can cancel them with one click within 52 days, and the money is back in your account in a few hours (if not instantly).
Most companies that use it are very clear, since auto-pay by law needs a reminder or the refund is an automatic legal cancellation of the contract. (Of course, this is sometimes disguised as an upsell, mostly by telco’s or “disruptive startups”).
And they work across Europe, so my German cloud provider can use debits to pull the money from my Durch bank account.
The US not having such a consumer friendly system is really unfortunate, but not surprising.
Yeah, this is a hard lesson everyone should take to heart.
What if I’ve been paying for years without incident? There’s a thing where I can do autopay for mobile (Canada) where it’s $10 off the bill. I always hate the idea of autopay but they’ve never overcharged a bill…so far. By years I mean it’s been over a decade now.
Mostly curious if your stance still says no to this situation as well. I’ll guess yes, but still it’s $10 a month so adds up to almost a fast food meal these days lol.
For no perks I definitely agree, I pay my crap on time and takes like 5 mins a month to pay online.
returned
Yeah, I was thinking of editing my comment regarding this - lots of companies have started charging fees if you DONT use autopay. (They can call it a discount all they want, but the price you’re paying with autopay is the price. They’re really charging you a fee if you don’t.) Practically speaking, it is likely cheaper if you pay 1 overdraft fee a year than paying $10 a month for manual payment. But, I’m a crotchety old stubborn man who somehow has the idea he can change a giant corporation by giving them a fake middle finger.
That text looks like a scam
Cox is really living up to their namesake of being a bunch of dicks.
You are also getting Max subscription plan with this, This will completely boost up your internet speed and you will be amazed by the higher speed and smooth service.
Oh, so smooth. Doubling that arbitrary throughout limit will obviously improve latency and jitter. I always have my network fully saturated all day, every day /s
Everything will be super fast and when you stream or browse there will be no buffering or interruptions and you will have a great experience
Yes, because buffering is caused by your inability to download 62 more megabytes of video a second. Fucking slimeball.
Literally every cable company is a scam.
It’s been a bait-and-switch ever since it stopped being “Community Antenna TV” and they started showing ads on non-OTA channels.
“I have instructed my staff to handle your information request, you have been charged a ‘contact information handling’ fee of 50 dollars”
Yeah that checks out. I’ve found out about this in a doubly infuriating scenario.
I was home abroad on a holiday, and they billed me for my regular monthly service. So naturally, i got slapped with the 25$ rejection fee, and then my bank decided to pay the overdraft on the second attempt, resulting in another 45$ in bank fees for that too.
Everything in the US is purposefully designed to fuck you over.
You have to opt in to overdraft protection and fees. Its not designed to fuck you over. You literally signed up for the service and can cancel it at any time.
Same for Verizon. Or if your bank account doesn’t have enough funds. Or even if it does, and your bank says the transaction never happened, as long as Verizon says it happened, they charge you a fee.
That’s fucking wild. I have two cards that are occasionally declined because they want to make sure I’m making the transaction. I can afford it but I’d be pissed paying a fee because my credit card company suspected I might not be the one wanting to upgrade to a second phone or whatever.
They blacklisted my bank account and wouldn’t allow me to add another. So I paid off my devices and switched to Mint mobile. I’m saving $150 a month. And my coverage is better.
I’m a Cox customer only because I have no better options.
This is by design. It’s called a mini-monopoly and our government should have put a stop to is 50 years ago.
I suppose with Cox we could be talking about TV or Internet. If it’s Internet I’ve heard it called a duopoly. The cable TV company and phone company both had wires running to every house when the internet showed up on the scene. Typically these are the only two options available in an area, and when you zoom in further usually one of them has given up on a particular street or neighborhood, and you better just go with the one that has decent wires.
We sort of had protections in place at the phone company level for a while to stop this. ILEC and CLEC laws forced Incumbent Local Exchange Carriers (the big phone co in the area, owns the lines on the poles) to share their last mile phone lines with a Competitive LEC, granted the CLEC shells up for their own equipment and puts it in a special section of the ILECs central offices. Bam, competition.
The problem is that the laws only specified copper, so when fiber rolled around, ILECs specifically targeted their upgrades to cripple the competition. The houses still would do DSL on copper, but the backhaul for the CO would get upgraded to fiber and the competition would have to also upgrade their handoff on their equipment to be fiber or just lose all their customers in the area. They would also set up fiber fed cabinets halfway closer to your house and offer VDSL. CLECs weren’t allowed in those cabinets and could only offer 1/5th the speed on regular old ADSL due to distance. There were a lot of dirty tricks…the laws that were supposed to help just let the big company absolutely batter the smaller ones once they started their fiber upgrades.
Time to cancel cox. 👍
My landlord charged me $250 for replacement of the original shower head through an “expert” (i used my own and didn’t fasten the hose enough at the end). 😢
Cox is fucking scum.
Is the name intended as pure irony?
AFAF.
Verizon…manually go in every month to OK the funds come straight from checking. Been using the same account for over 20 years and it is SAVED on the Verizon site… Have plenty of money in the account, then one month it gets rejected for “account not found”. Bank says they never even tried and i hit re-submit and it goes through no problem. Clearly a problem with Verizon’s payment processing right? But they charge me a $30 “returned” fee and when I reach out to them they wont budge on it.
Verizon one day stopped charging me and canceled my internet out of nowhere. It was coming straight from my checking on auto pay. Then I couldn’t access my account to set it up again and it made it hell to get it back up again. Not sure what was going on
TWN did that to me too. My card expired and I called to give them the new number. They ran it without the new expiration date because the numbers were identical.
Yermaw@lemm.ee 3 weeks ago
It’s expensive being poor. I used to get charged £15 if I didn’t have the funds because I wasn’t allowed an overdraft. Being unable to pay £5 left me with £-8 frequently. Because apparently I was allowed an overdraft if they did it to me.
andros_rex@lemmy.world 3 weeks ago
When I was doing Amazon Turk - had like $10 to my name, I accidentally clicked on “withdraw funds” instead of “deposit funds” for the $15 I’d spent ten hours earning.
Bank of America charged me $35 for the “overdraft.”
eager_eagle@lemmy.world 3 weeks ago
Disabling overdraft is the first thing people should do when opening a bank account. It’s extremely predatory.
orbituary@lemmy.dbzer0.com 3 weeks ago
I hope you are with a local or regional credit union now.
Bakkoda@sh.itjust.works 2 weeks ago
I stood outside of a BoA one time, charged a bunch of shit on PayPal then went in and emptied/drained my account and someone ate 3500 in charges.
I never got a letter, PayPal said everything was fine. I walked away 20 years ago and never set foot in another BoA. Absolute scum bank.
nogooduser@lemmy.world 2 weeks ago
I used to be a contractor and was sometimes bad at processing timesheets and invoices.
I had one occasion where I had (numbers made up because it was ages ago) £100 in the business bank account with no overdraft facility when a £150 payment went out.
The payment went out putting me overdrawn. They waited a day before deciding that I wasn’t allowed an overdraft and putting the money back.
During that 24 hour period a payment for £25 was processed and blocked because I was overdrawn.
They then charged me two fees for refusing the payments even though I had money for the second one in the bank.
I switched banks right after that.
remon@ani.social 3 weeks ago
www.youtube.com/watch?v=Y_-1l_SlA7c