We received an overdraft notice in the mail today.
I saw the envelope from the bank and thought, "They don't send us a bill for our loan. What is this about?"
According to the notice we were overdrawn by $9 and some odd cents.
I was ready to go on a rampage. I know I'm not overdrawn.
Seriously, I KNOW I'm not overdrawn!!
I decided that my passion would not be best received on a phone call. We don't live in the same town as our bank (that will be changed soon, I hope) but we already had plans that would take us through Podunk, America and I made sure we had plenty of time to stop in at the bank.
Hotsauce came with me. His passion was equal to my own.
He started the conversation and was much, much, much more polite than I felt. He's not as confrontational as I am. This works out real well for us, because if I come charging in, for some reason people aren't as sympathetic to my situation. On the other hand Hotsauce is charismatic, but if I feel him slipping I can put on my mom eyes and talk in my mom voice and let the other person know that they had better not mess with me.
Our teller was amazing though. She printed off our bank statement and we quickly saw what the problem was... there was an unauthorized charge on my debit card.
I.knew.it.
In August I bought a product from a company and they put me on an automatic ship for the next 3 months without my knowledge. Last month they shipped it to me and I called the lady that I bought the first product from. She told me that if I didn't want to keep receiving the product on automatic shipping that I could go online and change the setting. I was planning on buying it anyway and so I didn't call the company. Bad idea.
I went online as instructed and took it off of automatic payment.
Turns out they didn't listen. My bank instructed me to call the company and get that off. I called them from the bank. I also demanded that said company would not only refund my money, but also refund the overdraft charge. The guy on the other line, of course, said that he wasn't authorized to do that... but if I faxed a letter from my bank saying that this unauthorized charge caused me to go overdrawn that I would "probably" get a refund.
I took down the number and asked our teller to fax the letter while I stood there watching. I was also going to take the fax for my records. Guess what?! "Mike" from this Jack Wagon Company gave me a bad fax number.
Guess what else?! He was going to send me a confirmation email stating that they took me off of auto pay and guess who hasn't received it?
This.girl.right.here.
This is so not over. So.not.over. I will get my money back and they will rue the day the tried to rip me off.
Have any of you had similar problems with a company charging you for something you didn't authorize? How big of a headache should I expect?
I saw the envelope from the bank and thought, "They don't send us a bill for our loan. What is this about?"
According to the notice we were overdrawn by $9 and some odd cents.
I was ready to go on a rampage. I know I'm not overdrawn.
Seriously, I KNOW I'm not overdrawn!!
I decided that my passion would not be best received on a phone call. We don't live in the same town as our bank (that will be changed soon, I hope) but we already had plans that would take us through Podunk, America and I made sure we had plenty of time to stop in at the bank.
Hotsauce came with me. His passion was equal to my own.
He started the conversation and was much, much, much more polite than I felt. He's not as confrontational as I am. This works out real well for us, because if I come charging in, for some reason people aren't as sympathetic to my situation. On the other hand Hotsauce is charismatic, but if I feel him slipping I can put on my mom eyes and talk in my mom voice and let the other person know that they had better not mess with me.
Our teller was amazing though. She printed off our bank statement and we quickly saw what the problem was... there was an unauthorized charge on my debit card.
I.knew.it.
In August I bought a product from a company and they put me on an automatic ship for the next 3 months without my knowledge. Last month they shipped it to me and I called the lady that I bought the first product from. She told me that if I didn't want to keep receiving the product on automatic shipping that I could go online and change the setting. I was planning on buying it anyway and so I didn't call the company. Bad idea.
I went online as instructed and took it off of automatic payment.
Turns out they didn't listen. My bank instructed me to call the company and get that off. I called them from the bank. I also demanded that said company would not only refund my money, but also refund the overdraft charge. The guy on the other line, of course, said that he wasn't authorized to do that... but if I faxed a letter from my bank saying that this unauthorized charge caused me to go overdrawn that I would "probably" get a refund.
I took down the number and asked our teller to fax the letter while I stood there watching. I was also going to take the fax for my records. Guess what?! "Mike" from this Jack Wagon Company gave me a bad fax number.
Guess what else?! He was going to send me a confirmation email stating that they took me off of auto pay and guess who hasn't received it?
This.girl.right.here.
This is so not over. So.not.over. I will get my money back and they will rue the day the tried to rip me off.
Have any of you had similar problems with a company charging you for something you didn't authorize? How big of a headache should I expect?
I fell for one of those get the cream free just paying shipping--after hitting go saw that a shipment each month would come for $89---I had an acute spasm---called credit card company and was able to get phone # of company as the one on the screen was now disconnected!! my credit card company took off the charge right away--I called phone # and told them in no uncertain terms to not send me ANYTHING---they gave me a huge runaround--finally got shipments stopped but they were not going to refund my money---good luck Kelly be persistent aunt pat
ReplyDeleteSo shady that the number was disconnected! The real unfortunate thing about this company is that I love their product and literally just had a conversation with Ben last night about re-ordering. I just want to do it on my terms!
DeleteI will keep calling until they get so sick of me that they put their number on the Do Not Call Registry! ;)
I've already told you the story about how I was charged over $500 by my pharmacy which caused me to go overdrawn, my rent check to bounce, overdraft protection transfer to take place from my savings, which had a fee... Basically a HUGE mess!! Praise God I was refunded the large sum of money and even compensated some for all the fees I ended up with (a total of about $60)!
ReplyDeleteOh, I remember that being a huge pain for you! I'm just hoping that this is a mistake and not a run around and that the company will do the right thing! I'm sure that you'll be here for "the rest of the story"!
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