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(OT) "Paperless" Billing
/begin minor rant
I'm all for paperless billing. I got tired of shredding anything with an account number on it. I don't live to shred paper. Paperless billing makes sense if you have a computer. I consider myself a responsible person. When a bill is due I pay it. But like anyone else who isn't getting any younger I do need a reminder So this one particular credit card company ticked me off. I'd signed up to receive email notifications rather than paper bills. I just closed my account with them and cut up the card. Why? Because I wasn't getting emails telling me when the bill was due. I WAS, however, getting emails telling me the bill was *past due*. Of course they tacked on exhorbitant late fees and penalties which made the balance go up even though I hadn't used the card all year. When I called to complain about this the person I spoke with said, "You should still have gotten a paper bill." Sorry, but I didn't get a paper bill, and isn't that the point of paperless billing?! He said, "There's nothing I can do about it." Sure there is! You're going to take my payment for the entire balance over the phone, without charging me extra for doing so, then you're going to close my account. AFAIC this particular institution is using paperless billing as a way to scam customers out of late fees. end minor rant// Jill |
#2
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(OT) "Paperless" Billing
ALL my bills including my credit card are paid automatically by debiting
my bank account. I still get paper statements but they say "do not pay" and they give the date and amount that will be taken out of my checking account. No stamps, no late fees and no problems (so far). ---MIKE--- In the White Mountains of New Hampshire (44� 15' N - Elevation 1580') |
#3
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(OT) "Paperless" Billing
On Sep 18, 7:02*am, "jmcquown" wrote:
/begin minor rant I'm all for paperless billing. *I got tired of shredding anything with an account number on it. *I don't live to shred paper. *Paperless billing makes sense if you have a computer. I still get my credit card bills in the post- when I get them I shove them inside my diary next to the date I get paid- this means I open my diary on the day in question and they are sitting there reminding me to log on and pay them- otherwise I'd forget since the bill would come on email before I get paid and I might forget them on pay day Lesley Slave of the Fabulous Furballs |
#4
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(OT) "Paperless" Billing
jmcquown wrote: /begin minor rant I'm all for paperless billing. I got tired of shredding anything with an account number on it. I don't live to shred paper. Paperless billing makes sense if you have a computer. I consider myself a responsible person. When a bill is due I pay it. But like anyone else who isn't getting any younger I do need a reminder So this one particular credit card company ticked me off. I'd signed up to receive email notifications rather than paper bills. I just closed my account with them and cut up the card. Why? Because I wasn't getting emails telling me when the bill was due. I WAS, however, getting emails telling me the bill was *past due*. Of course they tacked on exhorbitant late fees and penalties which made the balance go up even though I hadn't used the card all year. That's why I refuse to use "paperless billing" or charge things via "debit" card! I'm all for automatic deposits of my income checks, but there is too much margin for error with getting bills via E-mail, and I'm not ABOUT to let anyone charge my bank account directly, without my examining the bill first. |
#5
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(OT) "Paperless" Billing
---MIKE--- wrote: ALL my bills including my credit card are paid automatically by debiting my bank account. I still get paper statements but they say "do not pay" and they give the date and amount that will be taken out of my checking account. No stamps, no late fees and no problems (so far). Clearly you trust the accuracy of your credit card comany's employees more than I do! |
#6
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(OT) "Paperless" Billing
jmcquown wrote:
/begin minor rant I'm all for paperless billing. I got tired of shredding anything with an account number on it. I don't live to shred paper. Paperless billing makes sense if you have a computer. I consider myself a responsible person. When a bill is due I pay it. But like anyone else who isn't getting any younger I do need a reminder So this one particular credit card company ticked me off. I'd signed up to receive email notifications rather than paper bills. I just closed my account with them and cut up the card. Why? Because I wasn't getting emails telling me when the bill was due. I WAS, however, getting emails telling me the bill was *past due*. Of course they tacked on exhorbitant late fees and penalties which made the balance go up even though I hadn't used the card all year. When I called to complain about this the person I spoke with said, "You should still have gotten a paper bill." Sorry, but I didn't get a paper bill, and isn't that the point of paperless billing?! He said, "There's nothing I can do about it." Sure there is! You're going to take my payment for the entire balance over the phone, without charging me extra for doing so, then you're going to close my account. AFAIC this particular institution is using paperless billing as a way to scam customers out of late fees. end minor rant// This is a well-known practice of banks and credit card companies. Well- known among the people who write articles about the tricks banks play to bring in extra money, not necessarily known among the general public - which is why it works for them, right? It has nothing to do with paperless billing, as this has happened to plenty of people who receive their bills in the traditional way. The bank will change the due date so that even if you're very organized and you know exactly when you need to pay the bill, you'll be late. And then they get to charge the (huge) fee. I think banks got into some legal trouble over that and aren't doing it anymore. However, they still have some victims among their paperless billing customers. Different strategy. Instead of changing the due date, they simply "forget" to send you an email. I imagine that would be harder to prove - they can blame it on clerical error, or on the vagaries of Internet communications (ie, "it got lost in cyberspace"). But eventually, evidence will be gathered of a pattern, and then they'll have to find a new way to screw their customers. Good for you for closing that account. Joyce -- Loneliness is comforted by the closeness and touch of fur to fur, skin to skin, or -- skin to fur. -- Paul Gallico |
#7
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(OT) "Paperless" Billing
18.9.2011 17:02, jmcquown kirjoitti:
/begin minor rant I'm all for paperless billing. I got tired of shredding anything with an account number on it. I don't live to shred paper. Paperless billing makes sense if you have a computer. I consider myself a responsible person. When a bill is due I pay it. But like anyone else who isn't getting any younger I do need a reminder So this one particular credit card company ticked me off. I'd signed up to receive email notifications rather than paper bills. I just closed my account with them and cut up the card. Why? Because I wasn't getting emails telling me when the bill was due. I WAS, however, getting emails telling me the bill was *past due*. Of course they tacked on exhorbitant late fees and penalties which made the balance go up even though I hadn't used the card all year. When I called to complain about this the person I spoke with said, "You should still have gotten a paper bill." Sorry, but I didn't get a paper bill, and isn't that the point of paperless billing?! He said, "There's nothing I can do about it." Sure there is! You're going to take my payment for the entire balance over the phone, without charging me extra for doing so, then you're going to close my account. AFAIC this particular institution is using paperless billing as a way to scam customers out of late fees. end minor rant// Jill We get the option to receive bills themselves electronically, as pdf-documents, instead of in paper format. I save the bills on the computer, and if needed, I can also print it out. The document looks just like the paper bill, so all the payment info is where one's used to finding it. Easy peasy. -- Christine in Finland christal63 (at) gmail (dot) com |
#8
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(OT) "Paperless" Billing
"jmcquown" wrote in
: /begin minor rant I'm all for paperless billing. I got tired of shredding anything with an account number on it. I don't live to shred paper. Paperless billing makes sense if you have a computer. I consider myself a responsible person. When a bill is due I pay it. But like anyone else who isn't getting any younger I do need a reminder So this one particular credit card company ticked me off. I'd signed up to receive email notifications rather than paper bills. I just closed my account with them and cut up the card. Why? Because I wasn't getting emails telling me when the bill was due. I WAS, however, getting emails telling me the bill was *past due*. Of course they tacked on exhorbitant late fees and penalties which made the balance go up even though I hadn't used the card all year. When I called to complain about this the person I spoke with said, "You should still have gotten a paper bill." Sorry, but I didn't get a paper bill, and isn't that the point of paperless billing?! He said, "There's nothing I can do about it." Sure there is! You're going to take my payment for the entire balance over the phone, without charging me extra for doing so, then you're going to close my account. AFAIC this particular institution is using paperless billing as a way to scam customers out of late fees. end minor rant// Jill What bugs me is the same credit card company that keeps begging me to save the planet by forgoing the one mailing a month of my bill sends me one mailing per week trying to sell me something I don't want. I collected them for a while and, yes, it was one a week. I won't name this company but the phrase citi does appear somewhere on each card and bill. Andy |
#9
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(OT) "Paperless" Billing
On 19/09/2011 6:00 PM, hopitus wrote:
On Sep 19, 1:42 am, Christine wrote: 18.9.2011 17:02, jmcquown kirjoitti: /begin minor rant I'm all for paperless billing. I got tired of shredding anything with an account number on it. I don't live to shred paper. Paperless billing makes sense if you have a computer. I consider myself a responsible person. When a bill is due I pay it. But like anyone else who isn't getting any younger I do need a reminder So this one particular credit card company ticked me off. I'd signed up to receive email notifications rather than paper bills. I just closed my account with them and cut up the card. Why? Because I wasn't getting emails telling me when the bill was due. I WAS, however, getting emails telling me the bill was *past due*. Of course they tacked on exhorbitant late fees and penalties which made the balance go up even though I hadn't used the card all year. When I called to complain about this the person I spoke with said, "You should still have gotten a paper bill." Sorry, but I didn't get a paper bill, and isn't that the point of paperless billing?! He said, "There's nothing I can do about it." Sure there is! You're going to take my payment for the entire balance over the phone, without charging me extra for doing so, then you're going to close my account. AFAIC this particular institution is using paperless billing as a way to scam customers out of late fees. end minor rant// Jill We get the option to receive bills themselves electronically, as pdf-documents, instead of in paper format. I save the bills on the computer, and if needed, I can also print it out. The document looks just like the paper bill, so all the payment info is where one's used to finding it. Easy peasy. -- Christine in Finland christal63 (at) gmail (dot) com Couole of mine come in that way to me, too, on the PC, appearing like tiny little copies of a paper bill. It costs nothing to send an automatic e-mail to remind customers that their bill is now due once the system is set up. Both my cell phone and my ISP send e-mails to remind me that the bill cycle has come around again. In the e-mail they send a link, but I never use it, just in case. I just go to the web page, log in, and there's my 'paperless' bill, ready to print out (or not, as the case may be). As I pay automatically anyway, I just need to check occasionally to see if the balance hasn't got too out of control either way. Don't get me started on direct debits. I HATE direct debits, and will never let one into my savings account (ie, my every day I need cash account) ever again. One decimal place error on their part, and they wipe out all my money. Oh, sure, they'll refund their error. Eventually. Mean time, I have to borrow money from friends and family, and get charged a whole heap of overdue/overdrawn fees in the process. No thanks! Yowie |
#10
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(OT) "Paperless" Billing
On 2011-09-19 9:05 AM, Yowie wrote:
It costs nothing to send an automatic e-mail to remind customers that their bill is now due once the system is set up. Both my cell phone and my ISP send e-mails to remind me that the bill cycle has come around again. In the e-mail they send a link, but I never use it, just in case. I just go to the web page, log in, and there's my 'paperless' bill, ready to print out (or not, as the case may be). As I pay automatically anyway, I just need to check occasionally to see if the balance hasn't got too out of control either way. Don't get me started on direct debits. I HATE direct debits, and will never let one into my savings account (ie, my every day I need cash account) ever again. One decimal place error on their part, and they wipe out all my money. Oh, sure, they'll refund their error. Eventually. Mean time, I have to borrow money from friends and family, and get charged a whole heap of overdue/overdrawn fees in the process. No thanks! I only do automatic debit where I must have the service and they won't do it any other way - that is, the mortgage and the insurance, although insurance is often done by payroll deduction if you are working. Too much risk of a mistake in my opinion, although lots of people get lots of stuff paid that way. That's part of the reason you hear from time to time of people who die alone at home not being missed because everything is paid for automatically. I do pay almost all my bills online, getting and keeping electronic copies. There is a service that coordinates them for you and sends you emails, but not all businesses participate and their website is very slow. Some businesses send out their own emails - BEFORE the due date, unlike in Jill's case! Even the local public library sends out emails saying something like 'Your materials are due back soon. Please renew them online or by calling us if you're not finished with them.' -- Cheryl |
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