blimpy wrote:May 5.. I forgot to xfer cash to my checking account auto payment of my lease doesn't go through despite auto transfer by my
credit union to prevent this.
may 12 Nissan writes me a letter by snail mail to tell me this
may 20 I get the letter
may 22 I pay the money by snail mail
then begins the robot calls that hang up.. over and over.. eventually I catch one.. no voice.. I push one. .and it give me
a message saying I owe them money.
Then begins the calls to NMAC.. I get india, I get mexico... they say " You can" do this or do that.
I try everything.
NMAC website doesn't recongnize my password.. I change that..
half hour later I get into the website..
It tells me I owe the money.. it says I can schedule a one time payment... despite having sent the check
I deicde to pay electronically.. so they stop CALLING ME !
I can see now that they are fucking with my credit rating.
I try to electronically pay.. the robot will not accept the payment.. after I enter a zillion number routing ( twice) and all that.
try to call again.. closed till Tuesday.. says the nasty little man in india..
well FU2 little man in india.
only cure for this is just pay off the car in cash.. but can they get that right ?
blimpy wrote:I can see now that they are -- with my credit rating.
Nubo wrote:They got pissy with me once. Our state changed some kind of tax law which affected my monthly payment by some cents per month. I was on auto-pay and would see the payment processed each month, so all good, right? Then one day they call me at work about how they were dunning me, and start reading me the Riot Act about why wasn't I checking my statements? Well hell that's why I chose auto-pay. What is the problem? As it turned out their auto-pay was for a specific amount only. And so they were being this nasty over a few dollars of accumulated under-payments that were to my mind their own damned stupid fault. As in your case the caller was from India and apparently trained to start with nasty and ramp it up from there, when the whole thing could have been cleared up amicably with just a polite conversation.
That doesn't prevent NMAC from seeing that the customer is using autopay, but the amount changed, and explaining the situation instead of being confrontational.SageBrush wrote:FYI, auto-payment does not discharge your legal liability to pay your bills in full. Moreover, no billing agency has the right to change the auto-payment amount without your explicit consent.
garsh wrote:That doesn't prevent NMAC from seeing that the customer is using autopay, but the amount changed, and explaining the situation instead of being confrontational.SageBrush wrote:FYI, auto-payment does not discharge your legal liability to pay your bills in full. Moreover, no billing agency has the right to change the auto-payment amount without your explicit consent.
SageBrush wrote:garsh wrote:SageBrush wrote:Few customers realize that Auto-pay is a customer convenience...
SalisburySam wrote:SageBrush wrote:garsh wrote:
While convenient for some customers, that is not likely to be the reason AutoPay is offered by companies. Companies usually offer customer conveniences as a marketing device to sway a decision to purchase. AutoPay is frequently not even mentioned until that decision has been made and the customer is well into or after purchasing.
AutoPay is, to me, a legal way to take the customer out of the recurring payment process; payments are automatically, consistently, and timely sucked out of a customer's deposit account without customer intervention. This benefits the customer as a convenience certainly, but really benefits the company for dependable income flows. Can be a win-win for sure, but it seems to me that the "win" is weighted more towards the company.
I personally have several "AutoPay-with-a-twist" accounts, mostly utility, insurance, and banking. I've permitted no biller direct access to my deposit accounts and choose instead to have my bank initiate payments in response to bills (not just demands for payment) received by them electronically. In this fashion, my bills are paid on time, no external entity can draw against my accounts, and since payments are made based on bills received, payment amounts are always correct. The issue here is that the biller must present a bill for payment, which most utility and many banks now have the ability and willingness to do. If they don't I go back to the old manual-payment-in-response-to-an-invoice, and even that is mostly accomplished online. That's what seems to work best in my case, YMMV.
"FYI", no need to be condescending.SageBrush wrote:FYI, auto-payment does not discharge your legal liability to pay your bills in full.
Moreover, no billing agency has the right to change the auto-payment amount without your explicit consent. That is a strong consumer protection you should be glad for.
So you may not like it, but get in the habit of looking at your statements to verify that all is at it should be.