Don't Trust Your Bank
I just had an experience with my bank where a payment was due.
Get this: my payment went out around 7:00 pm and they tried to charge me a late fee as they "don't process payments after 5:00 pm."
I was having none of this and forwarded them the text thanking me for my payment and the record showing my payment on the due date.
The online rep reversed the charge and apologized for the error.
|by Anonymous||reply 14||03/11/2013|
OP, sorry your tardiness has blended in your entitled mind to the extent that you think the clock should tick for your needs, but it is usual to expect payments to be made prior to 5:00 in order to be considered part of the day's business.
Business is not conducted according to your fat-ass, lazy schedule, you cunt. They waived the charge because they don't need to a crazy twat screeching, but in future maybe you should get up a little earlier and, perhaps, not wait until the last second - after the last second, really - to meet your financial obligations.
That way we wouldn't have to hear from you, you ass.
|by Anonymous||reply 1||02/26/2013|
OP, you should really save that story for parties.
|by Anonymous||reply 2||02/26/2013|
And be sure to lead off with, "EVERYONE, LISTEN UP! Here is why you can't trust your bank!!"
|by Anonymous||reply 3||02/26/2013|
I have to agree with R! - but in a much milder manner. If there rules are 5:00 is the cutoff - and all banks have a cutoff time every day - then it is your responsibility to make the payment before that cut off - or switch banks to one that has an acceptable cut off time.
Had you said you made the payment at 4:58 and you have the proof - that's one thing. It's quite another to say you made your payment two hours after their cut off and therefore, you aren't responsible for a late payment. Because, you are.
|by Anonymous||reply 4||02/26/2013|
More important than the late fee, you should be concerned that the payment isn't reported late on your credit report.
|by Anonymous||reply 5||02/26/2013|
I can only imagine how R1 looks.
|by Anonymous||reply 6||02/26/2013|
OP, I am confused. What kind of proof convinced the online rep to take back the charge?
|by Anonymous||reply 7||02/26/2013|
OP, Im confused. You were making payments TO a bank for something like a line of credit you have there? Most of the time the bank has nothing to do with late fees, its the company you are paying.
|by Anonymous||reply 8||02/26/2013|
OP was either making a credit card or mortgage payment.
Both of which were DUE weeks ago.
You can bet the OP is in debt up to his eyeballs and wastes his money on all kinds of stupid shit.
|by Anonymous||reply 9||02/26/2013|
While R1 is technically correct, banks are so hated that I want to side with OP anyways.
|by Anonymous||reply 10||02/26/2013|
I was depositing a check from one bank to another at 3:30pm. The teller told me it wouldn't be deposited until the next morning (fine, since my direct deposit goes into the other account just after midnight). I thought I was all set.
By the time I got home at 6pm, the check HAD been deposited and set into motion a series of overdrafts and bounced checks. All told about $200 in fees.
I found no sympathy. Damned crooks.
|by Anonymous||reply 11||02/27/2013|
If you're paying online you can probably set up an email alert to remind you a few days ahead of time so that this type of thing does not take up any more of your time or patience.
|by Anonymous||reply 12||02/27/2013|
OP here. If you don't think that bank employees are sitting around trying to dream up ways to charge extra fees you are not living in the real world.
The bank reversed the late fee charge as it was paid on time.
|by Anonymous||reply 14||03/11/2013|