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Discussion Groups: Finances and Investing


Topic: ARGH! so sick of dealing with banks
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Tamara79

4/21/2011 10:44:16 AM
Member since:
Apr 2007
Total posts:2055
ARGH! so sick of dealing with banks

Yes I am here just to whine lol. In Feb I went in to my bank branch downtown to pay my hydro and cable bills, I paid $150 to my cable and $100 to my hydro, had both bills stamped, initialed, (by the teller) and with the amounts and walked out just fine. The following month I had a massive cable bill so I phoned to ask if they received my last payment, they did not. I called the branch directly and turns out they had sent both cable and hydro payments to hydro. I explained how i was holding the stamped bills in my hand, they admitted their mistake, told me they would that very day pay the $150 to cable, get the payment they mistakenly sent to hydro back-from mb hydro, and gave me my bank fees for the next month free. Well it is now April and they have taken the $150 from my account that was sent to hydro. When I once again called the branch today, they told me (their exact words) "well we have to get our payment back somehow". The payment they mistakenly made in the first place, admitted their mistake and then told me they would fix...so here I am 2 months later in the same place I was with their first mistake. Moral of the story, if you pay your bills at the bank, double check to make sure they sent the amounts to the right place even if you are holding the proof they gave you in your hand that they did, and dont assume they will fix their mistakes.

 
 
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TruthbeTold

4/21/2011 10:54:39 AM
Member since:
Jan 2010
Total posts:2089
Pay online

I pay all my bills online and no mistake is ever made. I don't trust tellers to do it right and I hate having to pay the service fee for paying at the bank.

Brittany Blair

4/21/2011 10:58:47 AM
Member since:
Aug 2009
Total posts:321
Same..

I pay online or just directly to the business and pay. (Only because it's due ASAP and most third-party places to pay, like banks have a waiting period)

Tamara79

4/21/2011 11:00:14 AM
Member since:
Apr 2007
Total posts:2055
:(

I normally pay my bills online also, but I had just moved and had new accounts for everything, and had to cancel the old accounts and have them removed, so i thought it would be easier if I just did it all in branch, big mistake obviously.

T-Rex

4/21/2011 11:01:12 AM
Member since:
May 2006
Total posts:85
Why would the bank pay?

I think everybody agrees a mistake was made. But the money to pay the bill came from YOUR bank account. The Bank can not talk to anybody Hydro/Cable about your vendor account information.  
 
So again, why would the bank pay for a bill that is yours to pay. The vendors have the "extra money" not the bank

Pebbs

4/21/2011 11:06:33 AM
Member since:
Feb 2007
Total posts:1088
The Bright Side

I normally pay all my bills online as well....quick and easy. Did you know you can also make the changes to your bills online?  
 
Anyway....the bright side is...your Hydro bill will show the credit so less to pay at Hydro this month. What you would have paid at hydro this month ,just apply it to your cable. Should fix the problem...  
 
Normally utilities are pretty forgiving when your not in arrears.

Fishin Guy

4/21/2011 11:11:39 AM
Member since:
Dec 2005
Total posts:6010
Agree....

I never let anyone else pay my bills for me...even if it meant going to hydro directly. Online banking is the only way to pay for me. If you give your utility companies the copies of bank payment they are pretty good at sorting things out.

Tamara79

4/21/2011 11:15:24 AM
Member since:
Apr 2007
Total posts:2055
why would the bank pay?

The woman/bank who "fixed" the mistake, paid the cable bill (that $ didnt come out of my account) and said the bank would get the amount back from Manitoba hydro...that is what she told me...which apparently she wasnt able/allowed to do...and Pebbs I am trying to look at the bright side lol, my hydro bill is normally around $50 so I guess I have just paid 3 months of hydro bills at once :s

valleycow

4/21/2011 11:44:02 AM
Member since:
Sep 2010
Total posts:524
the banks

  
T-Rex said "I think everybody agrees a mistake was made. But the money to pay the bill came from YOUR bank account. The Bank can not talk to anybody Hydro/Cable about your vendor account information.  
 
So again, why would the bank pay for a bill that is yours to pay. The vendors have the "extra money" not the bank "

take the money out of your account, and put it into an account of theirs, and then pay whoever it is, hydro/cable. anything really, thats how that works. so it is their fault that the money went to the wrong place and therefore they should have to fix it

Michelle Budiwski

4/21/2011 11:58:03 AM
Member since:
Apr 2009
Total posts:8121
I am confused

So you bank actually sent both payments to the same place and hydro received $250 while cable didn't receive any. So now you want the bank to pay the $150 hydro bill out of their pocket to 'fix their mistake' - do I have that right?  
 
The only problem with that is the $150 credit you now have with hydro. The bank didn't keep your money - they just gave it to the wrong person so even though your cable bill wasn't paid, you will still get the benefit of that $150 in the form of pre-paid hydro.  
 
Yes it sucks but explain it to the cable company and next month you can pay the bill because you won't have a hydro bill to pay.  
 
The bank made a mistake yes. Inconvienient and frustrating yes. But they shouldn't have to pay anything. It sounds like you want to keep the hydro credit and have the bank pay your cable bill putting you ahead $150 for their mistake - if I read that right, that is ridiculous.  
 

Needs-a -little-luck

4/21/2011 12:29:29 PM
Member since:
Jan 2011
Total posts:13
I don't think that is what they want.

She paid 2 bills hydro and cable. The bank took the money from there account and instead of paying both companies they sent all the money to just hydro. I believe what they want the bank to do is an authorization to debit. What that is, is when a bank makes an error and pays to the wrong account or company they can contact that company and request the funds back. They will then apply the payment amount to the proper bill.  
 
I would suggest that you call the bank and request them to fill out the authorization to debit paper work and get this ball rolling.

Tamara79

4/21/2011 12:36:11 PM
Member since:
Apr 2007
Total posts:2055
nope you didnt read correctly

  
Butterflymbca said "So you bank actually sent both payments to the same place and hydro received $250 while cable didn't receive any. So now you want the bank to pay the $150 hydro bill out of their pocket to 'fix their mistake' - do I have that right?  
 
The only problem with that is the $150 credit you now have with hydro. The bank didn't keep your money - they just gave it to the wrong person so even though your cable bill wasn't paid, you will still get the benefit of that $150 in the form of pre-paid hydro.  
 
Yes it sucks but explain it to the cable company and next month you can pay the bill because you won't have a hydro bill to pay.  
 
The bank made a mistake yes. Inconvienient and frustrating yes. But they shouldn't have to pay anything. It sounds like you want to keep the hydro credit and have the bank pay your cable bill putting you ahead $150 for their mistake - if I read that right, that is ridiculous.  
 
"

I do not expect the bank to give me $150, I wanted them to pay the correct amounts to the correct company that I told them too and which they said they did...in February. That didnt happen. Then when I called to get the mistake fixed (in march) and they told me they would get the money back from Hydro that they mistakenly paid them (in order to cover their loss for paying my cable bill-which was initially supposed to be paid but they didnt), they should not have told me they would do this when in fact they couldnt, so I could have budgeted to fix the mistake they made, on my own in March.

tha dude

4/21/2011 1:21:39 PM
Member since:
Jun 2006
Total posts:327
hmm

 
i would expect nothing less than the bank covering there mistake and even "giving" you the 150$ because it was their mistake.. they dont get paid to make mistakes.. what if that was supposed to be a spousal payment or court ordered payment.. you would be hooped..  
 
people dont get paid to make mistakes, if i made a mistake at work i'd hate to see the outcome.. 150$ is peanuts to any bank to maintain customer loyalty.

Michelle Budiwski

4/21/2011 1:25:44 PM
Member since:
Apr 2009
Total posts:8121
Ok

  
Tamara79 said "
  
Butterflymbca said "So you bank actually sent both payments to the same place and hydro received $250 while cable didn't receive any. So now you want the bank to pay the $150 hydro bill out of their pocket to 'fix their mistake' - do I have that right?  
 
The only problem with that is the $150 credit you now have with hydro. The bank didn't keep your money - they just gave it to the wrong person so even though your cable bill wasn't paid, you will still get the benefit of that $150 in the form of pre-paid hydro.  
 
Yes it sucks but explain it to the cable company and next month you can pay the bill because you won't have a hydro bill to pay.  
 
The bank made a mistake yes. Inconvienient and frustrating yes. But they shouldn't have to pay anything. It sounds like you want to keep the hydro credit and have the bank pay your cable bill putting you ahead $150 for their mistake - if I read that right, that is ridiculous.  
 
"

I do not expect the bank to give me $150, I wanted them to pay the correct amounts to the correct company that I told them too and which they said they did...in February. That didnt happen. Then when I called to get the mistake fixed (in march) and they told me they would get the money back from Hydro that they mistakenly paid them (in order to cover their loss for paying my cable bill-which was initially supposed to be paid but they didnt), they should not have told me they would do this when in fact they couldnt, so I could have budgeted to fix the mistake they made, on my own in March. "

So they said they would get the money back from hydro and then credit the cable company - and later found out that they couldn't do it that way.  
 
You still will have the credit with hydro, so instead of paying that bill - put the extra on cable.  
 
Again - I don't see the big issue. Didn't you notice NOT having a hydro bill in March?

Tamara79

4/21/2011 1:53:23 PM
Member since:
Apr 2007
Total posts:2055
lol butterfly

as i said, I am here just to whine. Why? Because I had a mistake made with my account 'fixed' with another mistake. Now I can afford to suck it up, not everyone might be in the same boat. AND not all of us like to be bent over by a bank and take it quietly :D, and I did notice I didnt get my bill, but knowing mb hydro, I knew eventually I would get one.

Michelle Budiwski

4/21/2011 2:00:33 PM
Member since:
Apr 2009
Total posts:8121
Afford

  
Tamara79 said "as i said, I am here just to whine. Why? Because I had a mistake made with my account 'fixed' with another mistake. Now I can afford to suck it up, not everyone might be in the same boat. AND not all of us like to be bent over by a bank and take it quietly :D, and I did notice I didnt get my bill, but knowing mb hydro, I knew eventually I would get one. "

I don't get it - why can't you afford it? It didn't cost you anything extra - just reallocated your money. Sure - you still have to pay the cable, but now you don't have to pay the hydro - so it isn't costing you anything extra.  
 
Yes it is irritating when humans make errors. Yes it is frustrating, and I get that you want to whine, but it seems like you think you got screwed out of money somehow when you didn't.

Tamara79

4/21/2011 2:07:47 PM
Member since:
Apr 2007
Total posts:2055
......

read SLOWLY butterfly, I said I can afford it. And you can go ahead and think what you want, the issue is Principal here, I dont like a mistake being fixed with another mistake, and having it take over 2 months for an issue to be resolved.

Michelle Budiwski

4/21/2011 2:10:06 PM
Member since:
Apr 2009
Total posts:8121
Oh!

  
Tamara79 said "read SLOWLY butterfly, I said I can afford it. And you can go ahead and think what you want, the issue is Principal here, I dont like a mistake being fixed with another mistake, and having it take over 2 months for an issue to be resolved. "

LOL - I read that wrong sorry! But still I don't get where affordability is an issue since you were never out anything - that is what confuses me.  
 
But regardless, yes it sucks that people make mistakes.

Biggsy48

4/21/2011 8:29:00 PM
Member since:
Jul 2009
Total posts:222
Best give it up Tamara !

  
Tamara79 said "read SLOWLY butterfly, I said I can afford it. And you can go ahead and think what you want, the issue is Principal here, I dont like a mistake being fixed with another mistake, and having it take over 2 months for an issue to be resolved. "

I totally understand what you posted and what you meant.From what I've noticed, SOME just come on here to argue with original posters.. Over and over and over again. ( VERY OFTEN I might add) You will not win with that one.

Corsay

4/21/2011 8:45:25 PM
Member since:
Apr 2010
Total posts:557
Automatic Withdrawl

We have automatic payments set up for the utilities that support it. That way all we have to do is go over the bill to make sure there are no errant charges, the rest is taken care of. In the case where we have had 1 mischarge it was easily fixed by a visit to the westman office, 5 minutes in and out and it was fixed.

xanthe100

4/21/2011 9:30:36 PM
Member since:
Nov 2009
Total posts:705
I can safely say

that I would never have an extra $150 to pay on a utility bill. I would have a huge problem, cause that would have been my grocery money. The bank would have had to correct that error, or my family would not eat. It is inexcuseable that they did not fix the mistake they clearly made. Yes everyone makes mistakes, but they needed to fix the mistake immediately.

slurpeegirl

4/21/2011 10:04:19 PM
Member since:
Feb 2010
Total posts:1176
i've noticed that too.

  
Biggsy48 said "
  
Tamara79 said "read SLOWLY butterfly, I said I can afford it. And you can go ahead and think what you want, the issue is Principal here, I dont like a mistake being fixed with another mistake, and having it take over 2 months for an issue to be resolved. "

I totally understand what you posted and what you meant.From what I've noticed, SOME just come on here to argue with original posters.. Over and over and over again. ( VERY OFTEN I might add) You will not win with that one. "

someone that is always insulting people's posts. that's too bad. it would be nice to post that you had a good or bad experience without having someone insult you on top of it. i have had problems at the bank, i know where this frustration is coming from. i hope it works out in the end Tamara.

sweetspirits14

4/21/2011 10:29:57 PM
Member since:
Mar 2010
Total posts:438
:P

  
slurpeegirl said "
  
Biggsy48 said "
  
Tamara79 said "read SLOWLY butterfly, I said I can afford it. And you can go ahead and think what you want, the issue is Principal here, I dont like a mistake being fixed with another mistake, and having it take over 2 months for an issue to be resolved. "

I totally understand what you posted and what you meant.From what I've noticed, SOME just come on here to argue with original posters.. Over and over and over again. ( VERY OFTEN I might add) You will not win with that one. "

someone that is always insulting people's posts. that's too bad. it would be nice to post that you had a good or bad experience without having someone insult you on top of it. i have had problems at the bank, i know where this frustration is coming from. i hope it works out in the end Tamara. "

Lol i think anyone can notice that when you read all the ebrandon discussions its always a certain few who have to drag people down!!

Ithinkabouteverything

4/22/2011 12:28:18 AM
Member since:
Jul 2009
Total posts:68
I had an interesting exchange

with a bank years ago. The bank had 2 branches, only one of them had evening hours.My main account was in the other one. I had a second account in the branch that had evening hours.On a friday night I deposited money to pay preauthorized payment that would be drawn from the other account. I requested the funds to be transfered. The bank didn't transfer the funds and my payments bounced, the companies involved charged me for NSF.When I called the bank to complain, they paid the bill, the NSF charges and explained to the companies. This was great but they didn't take the money from my account.When I got my statement the money was still in the account. I told them it was still there and the teller said she'd look into it each time I got my statement for 3 months.After 3 tries and the money was still there I took the money and closed my account. Figured if I kept on banking there they would wait until I forgot about it and yank it when I actually was relying on it.

xcv

4/22/2011 1:38:29 AM
Member since:
Nov 2010
Total posts:1104
bill errors

I had that happen to me and I had the receipts to show it was paid. I asked to speak directly to the manager. I didn't waste time at the tillers. Manager phoned my utility company to explain the error and what happened and it was all straighten out.  
 
Yes people make errors but the consumer shouldn't have to pay "extra' for the error. ie: banking fees, late fees from the utility or interest from them as you didn't pay the fill on time or a bad record.  
 
The Manager did the phone calls on my behalf while I stood them making sure that they corrected the problem.  
 
No I didn't expect them to pay my bills but i did expect and got them to correct their mistake and pay any and all extra charges associated with that.  
 
i do everything online now so I can see what is happening.  
 
NEVER NEVER NEVER sign up for direct withdrawal with utility companies or anyone else. it can cause major problems down the road especially if you move. there is so many horror stores out there on this issue.  
 
Just take the time yourself review your bills (I receive all of mine online as well) make sure the bills are correct if they are not phone and get them corrected right away and then pay them online at least 2-3 days before they are due.  
 
That keeps everything nice and tidy without any late fees or anything else.  
 
It is quite easy to change the bill options online what companies are listed you can delete and add on very easily.  
 
Definitely go the online way.

Ter

4/22/2011 8:44:08 AM
Member since:
Jan 2011
Total posts:184
Years ago

I decided one time to pay my some of my utilities at the bank (before internet). Never again. I didn't realize they hold the payments until a certain day before they send them in. My payments never got there on time and I had late charges. Would have been cheaper and faster at the time to mail them in. Now I pay online. Said I never would, but tried it once and now I'm hooked. Easy, convenient and fast.

valleycow

4/22/2011 8:50:31 AM
Member since:
Sep 2010
Total posts:524
a bit off topic...

but does anyone else think that butterfly is just like janice off of the show friends?....annoying, kinda has some similarities too i think

traveller

4/22/2011 8:54:22 AM
Member since:
Jun 2007
Total posts:8953
:)

i could see sucking it up and just taking the hydro credit for a while, but i would want the bank to pay the service fees associated with your "late" payment to cable, plus maybe free service fees for a while (3 months?)  
 
i get what your saying they fixed a mistake while making another one and by them not paying could come back on your credit score too.  
 
i have had the bank accidentally deposit my money into someone else account and i even had the slip with my account # on it !! they did fix it by taking the money back from the wrong account but it was a good thing i was checking

Ter

4/22/2011 9:10:44 AM
Member since:
Jan 2011
Total posts:184
I agree

with slurpee girl and know it's off topic, but some people can be quite nasty with their posts. Would like to see less insults on ebrandon. You can voice your opinions without being rude.

ICYMI

4/22/2011 10:01:14 AM
Member since:
Jan 2009
Total posts:3133
.

  
Nordberg said "wait a couple of months and then request copies of your credit reports from Transunion and Equifax. Both have forms on their site to MAIL IN for the report.  
 
It is possible that your cable company has added a late payment to your credit record.  
 
It is a real possibility... "

It will also will be of no consequence in 3 months assuming she pays the bill.  
 
No need for her to be scared or worried about the scenario you describe above.  
 

 
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