When it rains it pours

[prog]

It also appears that my BoA CC has been pounding an extra $25 out of me every month for four months, because the automatic bill-payment I have set up with them activates the day after my monthly bill is due, so they get to hit me with a late fee each time.

Let's see if I can call them on this without them sending a SWAT team to my house or whatever the fuck it is they do now.

Comments

[gemini6ice.livejournal.com]

It's an automatic bill payment from a BoA checking account to pay a BoA card. It's not entirely clear what you're saying. If the auto-bill-pay transacts a few days after the activation, why not just set up the bill pay a few days earlier?

[prog.livejournal.com]

What specifically absconds with my alpaca here is this combination:

* That BoA didn't adjust the payment I set up with MBNA so that it will also pay my bills on time by their lights
* That BoA doesn't count payments made between due-date and next-month as applying to either the payment period that just happened or the one that's about to start
* That BoA didn't make an effort to tell me any of this was going on (I do everything electronically and an alert email would have have nice, and along the lines of what most every other service I use does)
* That the CSR I spoke to was completely uninterested in helping me out.

It's "only" $100 (plus the interest that's accumulated on it), but I feel like they legally embezzled from me. This is one of the most dreadful short-term financial experiences I've ever had, despite the low volume, and I look forward to clawing my way out of their clutches once I have the means.

[gemini6ice.livejournal.com]

So what happened to the automatic payments made between periods? Did they simply vanish into the nether?

[prog.livejournal.com]

There's nothing wrong with the math. I just feel like they've been happily shafting me on a technicality and then when I asked them about it they slimed me.

Just yucky.

[chocorisu.livejournal.com]

Absolutely disgusting behaviour on their part. If you can be bothered I'd write a letter to their official complaints address, since phone systems are designed purely for throughput and letters tend to be more "official".