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 Posted: Tue Aug 8th, 2017 05:59 pm
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srossi

 

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Not sure if anyone else has had this experience.  I know Big Finance is supposed to be the devil incarnate who nickel and dime the common man to death, so it's been a revelation that if you ask politely, you can often get fees waived.

I forgot to pay my AMEX bill around the time that my son was born.  I've never carried a balance on that thing in 20 years, not one time, and they finally got me.  There was so much going on that I just flat-out forgot to pay and I got hit with absolutely insane charges.  There must've been 3 or 4 penalties that hit over the course of 2 days.  I understand a late fee or interest but they seemed to be making up fancy names for extra fees every time I turned around.  This is how people get in trouble when they get in debt, they charge a pack of gum and owe $500 within a week.  I thought I was fucked but I called them and apologized and said I just forgot to pay and I typically charge x amount of dollars a year on the card and can they please waive these fees for my first offence.  She actually cut me off before I even finished my spiel to say that she'd be happy to reverse all the fees, and they were gone within 2 business days.

So now this week I fuck up again.  Maybe I'm getting old or it's the sleep deprivation from the newborn.  I'm paying bills and then transferring funds from my Chase checking account to my money market account, and I just completely screw up the math and add an extra $1,000 that I don't have to the transfer.  2 days later, boom, overdrawn account and I get nailed with a $34 fee.  I immediately transferred money back into Chase to get back in the black, and I figure what the hell, let me just e-mail them and say I fucked up, no excuses, and ask them to waive the fee.  30 minutes later, they write back and they waive it. 

I'm sure if this happens a second or third time my experience would be different, as it should be, but it's amazing what you can get from these big companies if you just ask them for a solid.  I really am shocked that this worked both times. 



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 Posted: Tue Aug 8th, 2017 06:44 pm
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Ultimark



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We had an issue with Cap One.  My wife was doing the college tour thing with my daughter down south.  We realized we had not received a confirmation from Expedia for one of the properties booked.  My wife calls and the expedia rep says she has to call Travelocity.  That is who is listed in the credit card charge as well.  OK.  She does that and the rep says they have no record of her booking anything.  My wife tells her the charge is on he card.  She just wants a confirm.  Nope.  Lady says take it up with the credit card company.  We do and they( I thought) credited my account.  

I booked another room for that night for $50 more than the original cost but went direct.  3 months later, I look at my bill and notice the $90 credit was reversed and that I was billed again.  I thought it was my eye sight playing tricks on me.  The first rep was clueless and told me it was still a credit.  I have my wife check it out.  Definitely not a credit.  I call again and the rep transfers me to someone I disputes.  He apologizes but says according to the notes Travelocity produced a confirmation for them.  I asked him to read the notes on what we said about the situation.  Nothing.  Zero.  I said I will hang up when you can tell me why I disputed the charge.  He couldn't do it.  I know they have a policy against hanging up unless their are threats or profanity.  After 15 minutes I wore him out and he gives me a special fax number where I can explain what happened.  A month later it worked out.   

Still, a lot of work.  We did try a supervisor at Travelocity but 3 reps claimed they were the bosses.  Cap One probably wants to get rid of me since I have never paid a interest charge and cost them about $1500 in travel credits a year.  
So the banks have gotten a bit better but that was because they had no option.   You still have to fight like hell for your rights. 
 

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 Posted: Wed Aug 9th, 2017 10:50 am
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KGB

 

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I have a high-deductible insurance plan with an HSA, something my company has spent the last few years heavily pushing on employees. So far it's been a win for me because they've kicked in $6K to my HSA and, not having had any medical issues, I've not had to pay any out-of-pocket costs since making the switch; it all goes on the debit card associated with my HSA.

So a few months ago I had an MRI done on my knee at my local hospital. Eventually the bill comes and it's $850. One thing that stood out to me was that there were NYS taxes itemized at the bottom of the bill, something I'd never seen before. So I called the billing department at the hospital to question the taxes. I was told that these charges exist on every bill, which I don't believe is true, but she then asked me if I was going to pay the bill off with one payment. I said "yeah", and she said "then maybe we can work out a deal." So I'm thinking that maybe they'll knock off 10%, but instead she does some calculations and announces, "how about you pay half of the cost?" Because of the taxes involved, this saved me about $460. And I hadn't even asked for it! Since this is a poorer town I guess they get a lot of people nickel and dime-ing their accounts, and many, many more sucking off the government teet, and are grateful for some quick cash? But the lesson is learned. Next time I get a bill for a hospital visit I'm going to call and bargain.

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 Posted: Wed Aug 9th, 2017 12:54 pm
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Blazer
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Rossi, I've had a similar situation or two.. Never carry a balance on ANY of our credit cards. I screwed up and accidentally didnt pay the entire balance one month or forgot to pay the minimum and got docked with the insane interest rate and penalty late fee. Called up and had in waved fairly quickly after a polite conversation. I believe if in general you are in excellent standing with your bank or credit card company, they will take care of you with the occasional mistakes. They appreciate your business. There are other options out there for everyone. This in some respects goes for Internet, cable/satellite, newspaper subscriptions, etc. Every year when they jack up the price after we are "out of contract", generally I'll see them reduce their price with a phone call.



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 Posted: Thu Aug 10th, 2017 02:58 am
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WongLee
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How about you fucking deadbeats pay your bills on time instead of buying malt liquor and lotto tickets. Fucking bath salt taking cocksuckers the lot of ya.



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