Well now that my BK is almost discharged I am sticking to a very strict budget. I have been paying all my bills on time now and keeping a close eye on my checking account daily.
So I make my cell phone payment on 7/09. On Tuesday I login to check my checking account and what do I find, but not just one, but two payments have been debited from my account. I only paid the bill once. I looked back at my phone records and on their website it listed that I only paid the bill once. So I go around to the bank and they say it is the phone companies mistake. i go home and call the cell phone provider and they submit a claim to resolve the problem. I explained that on my bank records it shows their company debited 85 dollars from my account twice and i only authorized one payment.
I log onto my checking account today and the money is still not back in my account. I go onto my cell phone account and now i have a credit on my account for 85 dollars. I call the cell phone provider again and ask why my cell phone account was credited for 85 dollars and why the money was not put back into my checking account.
Now I got a laugh out of this one. I was told to be able to refund my money back into my account they would need "a bank statement with my checking account number and routing number". So I am on the phone with the rep and actually said this is crazy. You have debited my card twice without authorization, then you even credited my phone account for another 85 dollars. I said you have all my information. This went on for about 30 min. They wanted me to fax all the information. I don't have a fax machine so I am sent around to my local phone store. In the mean time I have to stop by my bank and have them type up a statement that has my checking account information with my routing number because my bank statements only have a checking account number not route number.
I get around to the store and now they need a copy of the two debits made on my account. This was not told to me on the phone, but lucky for me I went ahead and brought a copy.
The rep in the store said this is happening all the time now. It is normal for the company to do this and normally they will just credit the phone account. She said it was not right and she was glad someone was finally speaking up and getting the money to go back into their account.
So the end result I was given another 35 dollar credit on my next phone bill and also will have my 85 dollars credited back to my checking account. So word to the wise this is happening more and more now days.
I did list this creditor on my Bk, but I have remained current on my bills. If this keeps happening I will have to walk away from the contract. I will not keep going through this every single month. Especially since I am trying to save money, not just give it away.
So I make my cell phone payment on 7/09. On Tuesday I login to check my checking account and what do I find, but not just one, but two payments have been debited from my account. I only paid the bill once. I looked back at my phone records and on their website it listed that I only paid the bill once. So I go around to the bank and they say it is the phone companies mistake. i go home and call the cell phone provider and they submit a claim to resolve the problem. I explained that on my bank records it shows their company debited 85 dollars from my account twice and i only authorized one payment.
I log onto my checking account today and the money is still not back in my account. I go onto my cell phone account and now i have a credit on my account for 85 dollars. I call the cell phone provider again and ask why my cell phone account was credited for 85 dollars and why the money was not put back into my checking account.
Now I got a laugh out of this one. I was told to be able to refund my money back into my account they would need "a bank statement with my checking account number and routing number". So I am on the phone with the rep and actually said this is crazy. You have debited my card twice without authorization, then you even credited my phone account for another 85 dollars. I said you have all my information. This went on for about 30 min. They wanted me to fax all the information. I don't have a fax machine so I am sent around to my local phone store. In the mean time I have to stop by my bank and have them type up a statement that has my checking account information with my routing number because my bank statements only have a checking account number not route number.
I get around to the store and now they need a copy of the two debits made on my account. This was not told to me on the phone, but lucky for me I went ahead and brought a copy.
The rep in the store said this is happening all the time now. It is normal for the company to do this and normally they will just credit the phone account. She said it was not right and she was glad someone was finally speaking up and getting the money to go back into their account.
So the end result I was given another 35 dollar credit on my next phone bill and also will have my 85 dollars credited back to my checking account. So word to the wise this is happening more and more now days.
I did list this creditor on my Bk, but I have remained current on my bills. If this keeps happening I will have to walk away from the contract. I will not keep going through this every single month. Especially since I am trying to save money, not just give it away.
Comment