I don’t know about the rest of you but in my life there are three types of bills:
1) The autopays
2) The pay it yourself online
3) The send in a check
I am horrible about the third. So much so that my wife pays those.
Anyways, earlier this month I messed up on one of the seconds and found myself getting a call from Wells Fargo because my car payment was late – just a slip up – I have the money and everything just forgot to pay them.
The man of course tried to get me to pay on the phone and incur an $8 fee (on top of the $20 for being late). No thank you I said. I am late and since late is late I will just make a double payment online on the first. He said that was ok. He then asked if I was having ‘hard times’ and could explain why I was late. Told him everything was fine and that they would get the money on the first.
At that point I did wonder why they asked – are they doing a survey? do they care? do they collect excuses? But I digress.
This morning I woke up to a phone call of a lady asking me if I knew my car payment was 24 days late? Yes – Yes I do.
Then she asked when I planned on paying it. So I told her I had made arrangements weeks ago to pay it on the first – since again it wouldn’t make a difference once I was late – I mean they already charged me $20 for the delay.
Why are you harassing me about this? I already made arrangements for the first?
— Well I am just calling to verify that you are still going to pay on the first.
No – No that is not what you said when you called you were trying to get me to pay today.
— Well, I just got to that part of the notes – its the same thing. But you need to pay on the phone with me today because you won’t get your payment in on time.
I was going to pay online.
— Oh no – we turned that off – you can’t pay online because you are 17 days late.
Ok, then I will send a check.
– Oh no – it won’t get here in time, you will be late again.
But it takes two days for a check to get there.
– But we won’t process is for 7 to 10 days.
Wait a second, you have on record that I have arrangements to pay online on the first. Why would you then turn that off?
– So you learn your lesson about being on time.
What? Did you really just tell me that I made arrangements and you are now changing the terms of them so I learn my ‘lesson’? Get me a supervisor.
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So the supervisor does this whole song and dance and tells me that I needed to talk to customer service.
So I call customer service – and they were like – your online account is fine – your can pay whenever you like.
WTF!
So I paid – today – before the first – for January and February.
Thank you Wells Fargo!