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Old 10-22-2013, 09:46 AM
 
360 posts, read 397,655 times
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I just got charged $25 for rejected card fee because I got a new card in the mail recently. I have never seen anything like this before. The customer care rep was extremely rude.
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Old 10-22-2013, 09:54 AM
 
Location: southwestern PA
22,420 posts, read 47,402,095 times
Reputation: 47694
Well, lesson learned! Maybe you'll pay better attention and take care of it in a more timely fashion next time.
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Old 10-22-2013, 01:34 PM
 
360 posts, read 397,655 times
Reputation: 253
Quote:
Originally Posted by Pitt Chick View Post
Well, lesson learned! Maybe you'll pay better attention and take care of it in a more timely fashion next time.
Thanks for your kind words
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Old 10-22-2013, 01:47 PM
 
4,191 posts, read 6,873,262 times
Reputation: 7165
Quote:
Originally Posted by harry chickpea View Post
Fight it. They had to have the expiration date in front of them to bill you. There is no reason for them to charge this fee, since the billing was their own fault. Did they think the expiration date didn't apply to them???
I'm not saying to NOT fight it because they may be nice and waive it if you had no other issues and fixed it in a timely manner, but why does no one want to take responsibility? Is it not your responsibility to keep your payment methods up to date? Just because a biller has your expiration date doesn't mean it's their job to NOT charge you.

The cable company could come back with the same question: Do you think the billing date for your cable company doesn't apply to you???

Cable companies are notoriously bad with customer service, but not EVERYTHING is their fault. In a case like this, it is not their fault and they probably even have this covered in their terms of service. Lots of people complain about stuff that is in a company's terms of service, but most customers do not take the time to read these.
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Old 10-23-2013, 11:57 AM
 
5,802 posts, read 9,871,382 times
Reputation: 3051
Fight It! The Fee is BS....Is it a "Decline" Fee (Which is even more BS) or is it a Late Fee?
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Old 10-23-2013, 12:08 PM
 
4,191 posts, read 6,873,262 times
Reputation: 7165
I don't really see how the fee is BS. You owe them money on a set date. They provide you the date up front. You have agreed to pay them a certain amount of money by a certain day every month. By not keeping up with a card, you failed to make the obligation. Be it a declined fee or a late fee, it isn't "BS."

Now, some companies may have great customer service, and if you have a good history with them you can probably call them and get them to drop it and I highly recommend you at least check with them.

However, it is not "BS" or 'some evil cable company scam!' (*especially* if it is in their TOS), so don't take an offensive stance. Take a level stance, admit you made a simple mistake and play up your good payment history and let them know it won't happen again.
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Old 10-23-2013, 12:11 PM
 
Location: The Triad
34,090 posts, read 82,716,942 times
Reputation: 43659
One more time folks NEVER allow payments to be pulled.
Always push payments and always know you have the account set up right.
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Old 10-23-2013, 12:29 PM
 
Location: southwestern PA
22,420 posts, read 47,402,095 times
Reputation: 47694
Quote:
Originally Posted by jamiecta View Post
I don't really see how the fee is BS. You owe them money on a set date. They provide you the date up front. You have agreed to pay them a certain amount of money by a certain day every month. By not keeping up with a card, you failed to make the obligation. Be it a declined fee or a late fee, it isn't "BS."

Now, some companies may have great customer service, and if you have a good history with them you can probably call them and get them to drop it and I highly recommend you at least check with them.

However, it is not "BS" or 'some evil cable company scam!' (*especially* if it is in their TOS), so don't take an offensive stance. Take a level stance, admit you made a simple mistake and play up your good payment history and let them know it won't happen again.
Exactly!

NO one want to own up to the fact that they made the mistake... not the company that is owed the money.
:::sheesh:::
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Old 10-23-2013, 12:32 PM
 
48,505 posts, read 96,675,147 times
Reputation: 18304
Like a bad check really.
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Old 10-23-2013, 01:40 PM
 
Location: West Orange, NJ
12,546 posts, read 21,366,438 times
Reputation: 3730
Quote:
Originally Posted by cleasach View Post
Well, I am obviously in the minority but I say pay it and take it as a lesson learned.

If the contract you have says in small print that there is a fee for a returned check or an expired credit card it's the responsibility of the cardholder to update their account when they get a new credit card. As stupid as that policy might be, if they have it on their contract and you signed it, you're on the hook for the fee.

Granted, I think it was an innocent oversight on your part and would definitely call them and explain the situation. I would think they'd be nice and reverse the charge but if they don't, pay it move on.
a customer is helping out a company immensely when they sign up for automatic billing. it reduces their bad debt expense assumptions, so it frees up cash for other activities, and it gives them money more quickly than other payment methods, so it enhances their cash flow.

the LEAST they can do in return for those benefits is to notify you that the credit card they have on record is expired.

Time Warner has a history of horrible customer service, for that reason alone, it's worth fighting.
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