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No wonder we are in trouble.
Topic Started: Jul 23 2008, 04:27 PM (137 Views)
Jakes_Monkey
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Being the conscientious consumer that I am, I try to pay my bills at least close to on time. Sometimes I even pay them early. This should be a good thing right? UMMM, nope. Check this out:

I get my paycheck on the First of every month, and my credit card bill isnt due til the 30th. Usually I pay it around the middle of the month. I kinda knew this month would be tight so I just sent off all my bills on the First, including $100 to the Credit Card people. So my bill comes in 2 weeks later with my payment posted on July 2nd, but still with a minimum balance due for July. Now, the $100 is like 8 times the minimum payment, so I call the service people to clear up the error of them thinking I would pay twice in July (I am conscientious, remember). Besides, if I dont pay for a month, not only do they charge me 40 bucks for a late fee, my rate also goes from like 10% up to 24%.

So I call and get Apu on the phone and try to explain it to him. I knew I was in trouble when it took 15 minutes to get him to even understand that I was calling to clear up a problem and not make a payment over the phone. Needless to say, I soon requested Apu's supervisor and was quickly connected with Apu's supervisor, Kumar. Same problems. I asked for Kumar's supervisor and got Sally on the phone. Sally is in Virginia.

I had Sally call up my account and I said, "Look Sally, you see where I made a payment on June 23rd? That was for June, right."
"Why yes," Sally agreed.
"Now Sally, you see where I made a payment on July 2nd?"
"Yes I do," replied Sally.
"So that was my July payment, see?"
"No it wasnt," said Sally, "Your Billing cycle runs from the 5th to the 5th, so that payment applied in June."
"WHAT?!?!?!," said I. "You mean I have to make another payment this month?"
"Yes," she said.
"Let me talk to your supervisor," said I.

Now I get transferred to Laura, Queen of Credit. She gives me the same crap about "billing cycles" and says no-one can do anything about it.

I say "Look Laura, I wrote the check in July, I mailed it in July, you cashed it in July, and it shows up on my account in July. How is it possible to apply it in June? You guys live in some sort of time warp or something?"
Laura says, "Thats just how it works, billing cycle blah blah blah."
I then learned that Lauras boss Jason does not take phone calls and that no one exists on a level higher than Laura to help me fix this that actually is possible to speak to.

I have written a letter to the Payment Investigation people in Utah, but I hold little hope that the Mormons will fix it. Have you seen what they base their religion on?

I offer $100 to ANYONE that can make this situation make sense on any level of accepted logic whatsoever. Not Mormon logic either.

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drivetime
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Well I was walking in the woods and I happened upon a golden goblet. This golden goblet was full of a liquid that smelled absolutely delicious. I of course not being completely stupid dumped it out to keep the goblet and a small plastic device fell from the inside of the goblet. It appeared to be some form of tablet with raised sanskrit on its surface and a odd colored stripe on the back of it. I knew this was a sign from above. I just knew I had to take this back to my tribe and explain to them the rules of the almighty. This tablet was the proof I had been searching for. I now only had to set the ............................
Education is a progressive discovery of our own ignorance. - Will Durant

Don't be so humble - you are not that great.- Golda Meir

The nice thing about egotists is that they don't talk about other people. - Lucille S. Harper
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StockRock1
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Jake, unfortunately I understand exactly what they are saying. You shouldn't have mentioned you wanted a logical explanation :P

Although your intentions were to make the payment for the July billing cycle, the July bill actually did not exist until the 5th of the month (even if you received it prior to the 5th; bills are usually prepared and mailed prior to them actually being due, which is the first day of the cycle). Therefore, it was impossible to make a payment for something that did not exist.

Now, had you written on the check (and you may have done this), "This payment is towards the July 2009 Bill Cycle, Do Not Cash Until the 5th" (probably needed to be written on the back of the check where they stamp it), then you would have an excellent argument as to them taking the payment early and not following your instructions.

It is a normal thing for people to make more than one payment within one cycle. You may recall the "make half your mortgage payment every 2 weeks instead of once a month" plan that had been and still is going on. Although you actually send in the same amount each month, you actually cut your interest payments by a big amount and will shorten a 30 year mortgage to under 20 years (I forget the exact timing).

So, in essence what you've done is lowered your interest payment for your July bill (which you should insist they redo to a lower amount). My advice is to just make the minimum payment for July before the morons make a late payment report on your history.

Oh yes, the $100.....just send it to the IRS. I'm looking to see if they'll apply it to my August payment or if they'll just say it was an additional July payment.
Maybe that turns you on, morons; maybe that's how y'get your kicks. You and your good-time buddies.
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StockRock1
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Just wondering. The Pakistinian customer service people you were speaking to at first......how exactly were they expecting you to make a payment over the phone? Using a credit card for payment of your credit card?

If for no other reason than this total stupid idea of out sourcing CS to Pakistan and India, I would like to learn their language.....just so I can curse them out and they'll understand what I'm saying instead of responding with, (in my best Paki accent) "I am but a dumb Asian poor excuse for a human being. Please don't ask me to do anything that isn't in my script because I shall be confused and this will delay my responses while I search the data base to find your question and the correlating response".
Maybe that turns you on, morons; maybe that's how y'get your kicks. You and your good-time buddies.
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TheMonkeydeSade/nh_gg_gl_fu
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I assume they send the standard 12 statements per year. Did you ask when they were sending the July statement now?
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ohiogirlie74
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Jake, stop trying to pay your bills. It's lunacy.
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Jakes_Monkey
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StockRock1
Jul 23 2008, 10:57 pm

Although your intentions were to make the payment for the July billing cycle, the July bill actually did not exist until the 5th of the month (even if you received it prior to the 5th; bills are usually prepared and mailed prior to them actually being due, which is the first day of the cycle). Therefore, it was impossible to make a payment for something that did not exist.


Here is where the logic crashes and burns. My bill is due on the 30th. If they receive payment on the 31st, the payment is late. If my billing cycle runs from the 5th to the 5th, then my bill should not be due until the 5th.
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StockRock1
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Jakes_Monkey
Jul 24 2008, 08:36 am
StockRock1
Jul 23 2008, 10:57 pm

Although your intentions were to make the payment for the July billing cycle, the July bill actually did not exist until the 5th of the month (even if you received it prior to the 5th; bills are usually prepared and mailed prior to them actually being due, which is the first day of the cycle). Therefore, it was impossible to make a payment for something that did not exist.


Here is where the logic crashes and burns. My bill is due on the 30th. If they receive payment on the 31st, the payment is late. If my billing cycle runs from the 5th to the 5th, then my bill should not be due until the 5th.

Ok, now I understand your confusion must better. I didn't know when your "payment due" date was.

Here is the breakdown.

You are billed each month for all charges (purchases, drug buys or attempts at using the edge of the card to clean your teeth instead of using floss), done between the 5th of one month and the 5th (actually the 4th) of the next month. All of this activity is reflected on the following bill. Cash advances are handled differently and I give a seminar on how to rip off the credit card companies using a very simple technique (did you know the IRS actually forced me to claim the funds I embezzle on a regular basis as personal income?)

Example: On July 10th you made your weekly buy of 1/2 oz. California Gold, 2 packs of rolling paper and hair bleach at your local CVS/Nursery. The total came to $347.63 (yes, the bleach is way too expensive...I am also being ridiculous that you actually have a credit limit over $200, you usually just get 1/4 oz). This amount will first appear on your August bill and won't accumulate any interest either until the following end of that billing cycle (basically over 40 days of interest free goods). If you make a purchase on the 3rd or 4th of a month, it should be on the coming bill as well.

Ok, now that you undertsand that.....

Although the cycle is from the 5th to the 5th (4th), the bill is due prior to the end of the cycle. They need not give you 30 days to pay (in fact I think I once read the back of a bill and it may mention payment is due within 25 days or so). So, you may get the bill on the 5th (or whenever) but they want payment by the 30th. It is their right and makes perfect sense to the accounting side of the record keeping of credit cards. Maybe that calorina kid (I think he does accounting or counts his toes, not sure which), might be able to explain the importance of ending a month at the end of a month (as opposed to ending a month at the beginning or beginning a month at the end). I think your billing cycle may have something to do with the day of the month that your account began (who knows...I rip off credit card companies, I don't run them).

The bill is now $200.
Maybe that turns you on, morons; maybe that's how y'get your kicks. You and your good-time buddies.
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StockRock1
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Yeah, I know I could have answered this in two or three sentences, but where is all the fun in making this even more confusing than when it started?
Maybe that turns you on, morons; maybe that's how y'get your kicks. You and your good-time buddies.
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madc1
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Make the Minimum payment in July, to get yourself back on track, you said the $100.00 was 8x the expected payment So I guess its about $12.00. (Easy Way out)

Curse and tell they are worthless, the mad way out.
Back in the saddle again
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Jakes_Monkey
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**UPDATE**

So I decided to go ahead and pay another payment to these morons last month because, like I said, I didnt trust them to understand their own illogical and stupid billing scam. Sure enough, they responded to the letter I wrote in pretty much the way I expected them to respond.

They wrote back to me with the following:

"Good news!! We have credited your account with $39.48."

Thats all they said. No reasons, no explanation. I think I will write a letter once a month until they credit my account enough to pay off the whole damn thing.

Morons.
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TheMonkeydeSade/nh_gg_gl_fu
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Jakes_Monkey
Aug 5 2008, 10:23 am
**UPDATE**

So I decided to go ahead and pay another payment to these morons last month because, like I said, I didnt trust them to understand their own illogical and stupid billing scam. Sure enough, they responded to the letter I wrote in pretty much the way I expected them to respond.

They wrote back to me with the following:

"Good news!! We have credited your account with $39.48."

Thats all they said. No reasons, no explanation. I think I will write a letter once a month until they credit my account enough to pay off the whole damn thing.

Morons.

I'm guessing $39.48 was the payment sent?
Congrats, you made 2 payments!


I am, The Redneck Whisperer! (tm) Pack leader to The South/Appalachia. :D



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TheMonkeydeSade/nh_gg_gl_fu
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Not A shot at you Jakes. I know your neck is Lilly white.
Just something I'm playing with. :lol:
Punching through the Bozone, one Ignoranus at A time!#BLOCK^_^DATA##BLOCKv_vDATA#
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Jakes_Monkey
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TheMonkeydeSade/nh_gg_gl_fu
Aug 5 2008, 12:11 pm
Not A shot at you Jakes. I know your neck is Lilly white.
Just something I'm playing with. :lol:

Au contraire, my friend. I just had a quintessential redneck experience last night and it was 100% my doing... I had NO HELP at all. Check this out:

I live (sort of ) out in the country here. My house is pretty much surrounded by large areas of uninhabited land. I also grow tomatoes, peppers, watermelons, etc. and have an apple tree in my yard. This is all pretty cool because I get turtles, rabbits, armadillos, possums, coyotes and other assorted cool critters coming in to the yard to eat the fallen apples and bad vegetables.

Lately, its been about 110 degrees every day and it hasnt rained for 3 weeks, so all the critters are a little stressed. Including the big field rats. The rats suck. They kill my plants and climb the apple tree to get the good apples. Not only that, but I dont want them anywhere near the house. Most of the time, the dogs will take care of the random rodent that strays into the yard. In fact, the poodle killed a rat on Sunday that was about half her size. This year, this weather, has made the situation unreasonable. At dusk, about a dozen rats come out of the field and tear ecerything up.

So last night I decided enough is enough. Now I cant poison or trap them because of all the cool critters around, so I went to the WalMart and bought me a pump action pellet gun and a six pack. Then I went into the back yard, sat on a lawn chair, drank beer, and plunked about a half-dozen rats with the pellet gun. I was out there til it was too dark to see. Im tellin ya, it was more fun than Six Flags.
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TheMonkeydeSade/nh_gg_gl_fu
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Jakes_Monkey
Aug 5 2008, 12:35 pm
TheMonkeydeSade/nh_gg_gl_fu
Aug 5 2008, 12:11 pm
Not A shot at you Jakes. I know your neck is Lilly white.
Just something I'm playing with. :lol:

Au contraire, my friend. I just had a quintessential redneck experience last night and it was 100% my doing... I had NO HELP at all. Check this out:

I live (sort of ) out in the country here. My house is pretty much surrounded by large areas of uninhabited land. I also grow tomatoes, peppers, watermelons, etc. and have an apple tree in my yard. This is all pretty cool because I get turtles, rabbits, armadillos, possums, coyotes and other assorted cool critters coming in to the yard to eat the fallen apples and bad vegetables.

Lately, its been about 110 degrees every day and it hasnt rained for 3 weeks, so all the critters are a little stressed. Including the big field rats. The rats suck. They kill my plants and climb the apple tree to get the good apples. Not only that, but I dont want them anywhere near the house. Most of the time, the dogs will take care of the random rodent that strays into the yard. In fact, the poodle killed a rat on Sunday that was about half her size. This year, this weather, has made the situation unreasonable. At dusk, about a dozen rats come out of the field and tear ecerything up.

So last night I decided enough is enough. Now I cant poison or trap them because of all the cool critters around, so I went to the WalMart and bought me a pump action pellet gun and a six pack. Then I went into the back yard, sat on a lawn chair, drank beer, and plunked about a half-dozen rats with the pellet gun. I was out there til it was too dark to see. Im tellin ya, it was more fun than Six Flags.

Mary J should always be grown among the tomato plants. During budding, just hang festive red xmas ornaments on them for arial camouflage.

Explosives, and A 12 pack are normally more fun for rodents.



I am, The Redneck Whisperer! (tm)
Punching through the Bozone, one Ignoranus at A time!#BLOCK^_^DATA##BLOCKv_vDATA#
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