wdolson
Posts: 10398
Joined: 6/28/2006 From: Near Portland, OR Status: offline
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quote:
ORIGINAL: geofflambert I had a pretty good scare this a.m.. Woke up and checked my email and there was a note from American Express saying I hadn't paid my bill. I pulled out my current statements, which aren't due yet. I have a green card which is non-revolving and a blue card which is. Doesn't matter, I pay both of them off in full each month regardless. I mail a check for each account in separate envelopes with the bill stub included. Checking the statements I see they applied both checks to the blue card account, leaving me a credit, and nothing to the green card account. I called them up and got that straightened out. I asked "Does this sort of thing happen often?" Reply - "Oh, yes. Some of our customers have up to five cards and things get mixed up sometimes". ! My question is this: If they can misapply a check to the wrong account, what's to keep them from applying it to the account of a different customer? I pay off the balance every month and I've had the wrong card paid twice. I ended up with two credit cards through Chase due to bank consolidation. I've had both since the 90s. They have screwed up things several times. If the handwritten line and the box with numbers doesn't match (because I miswrote something), they take whatever the smallest of the two is. They have applied my check to the wrong account too, though I started writing on the note line three dashes and the last 4 digits of the card and they haven't done that screwup in a few years. quote:
ORIGINAL: witpaemail It happens. Me and my bank (rather EX bank - US Bank) went round and round. They werent going to give me my money back until the person that owns the account they applied it to paid it. Yeah, that sat well with me. Went to the bank and had a little "chat" with their person in the lobby (was saturday). They called the cops. I told them when I got out I would have signs and the media in place with the story. They gave me my money, but wouldnt allow me to close the account, so I went straight to another branch and closed it anyway. Thieves. NEVER do business with US Bank We do all our banking with a local bank. All the big banks are horrible IMO. The nearest branch for the bank we use is also in the shopping center we have to drive past coming and going to our house, so it is very convenient to bank there too. Bill
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