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Replies: 29
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Heisman Winner [81180]
TigerPulse: 100%
62
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Joined: 2005
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Speaking of banks who are horrible...
Jun 3, 2021, 10:47 AM
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When I bought my lawn mower last year, they had a two year, 0% interest thing going on, so I was like "Hellz yeah, gonna keep my cash brah". It started off being through GE capital, and I've never had a problem. I've been paying well more than the minimum every month just to go ahead and get it paid off, never been late, etc.
Whale, evidentially they changed names, or banks, or something...Because it's now going through Synchrony bank, who has no grace period and zero tolerance for late payments. So, here's how it works:
They send you a bill, and you literally have to send a check the next day after you get the bill, otherwise, you run the risk of not allowing 7-10 business days, and they DGAF about any of your excuses. For instance, I got my bill yesterday, my payment is due on the 12th....And it cannot even be one day late.
I was ONE ####### DAY late last month, and they charged me a $50 late fee. I mailed the check two days after the bill came in. My remaining balance is only $200, are you kidding me? I called and raised hell, and got it dropped finally, but I'll be paying that #### off in full this month and will be done with those sleazy #############. Oh, also, they'll "wave the fee this one time", except they tack that on to your minimum payment. So, while it does still go towards the principle and it's not extra, you owe $50 more than the minimum. I can see that putting some people in a tight spot.
Stay away from Synchrony at all costs.
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Varsity [104]
TigerPulse: 92%
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Cliffs: DO NOT DO BUSINESS WITH ANYONE THAT
Sep 30, 2014, 11:15 AM
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CHARGES YOU A LATE FEE WHEN YOU ARE LATE. SLEAZY BUSINESS TACTICS.
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Heisman Winner [81180]
TigerPulse: 100%
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Joined: 2005
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Except it isn't necessarily that...
Sep 30, 2014, 11:18 AM
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They aren't reasonable with their timeframes. I do not think they check the mail everyday. After talking with the lady, even if the check comes in on time, they cannot guarantee it will get processed by the due date, and that's your problem. It is border line illegal what they're doing.
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Heisman Winner [81720]
TigerPulse: 100%
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Don't you have a pay online option. Mailing a check is
Sep 30, 2014, 12:10 PM
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silly these days.
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Heisman Winner [81180]
TigerPulse: 100%
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It wasn't enough money to bother setting all of that up
Sep 30, 2014, 12:12 PM
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I prefer checks anyway, I do not trust online bill pay.
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Heisman Winner [81720]
TigerPulse: 100%
62
Posts: 111007
Joined: 2003
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I don't trust the USPS.
Sep 30, 2014, 12:16 PM
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I pay all my bills through the vendor sites. I take one check a month to the bank for my car. It feels as though I'll do this for the rest of my life.
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Heisman Winner [81180]
TigerPulse: 100%
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I've never had an issue with sending checks
Sep 30, 2014, 12:19 PM
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That autodraft stuff is what I really stay away from, no thanks, you can't have access just to draft what you want out of my account.
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Heisman Winner [81720]
TigerPulse: 100%
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Joined: 2003
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Yeah, I do not care for auto draft.
Sep 30, 2014, 12:24 PM
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Back in my college days, sending checks was the way it was done.
One day my card got rejected at 2 places so I knew something was amiss. I got my check book out to find the evidence that I had indeed sent a check up...and there it was just looking right back at me. I managed to write it out but never get it in the envelope. I was really quite mad at myself. I think they refunded me the late fee though, being my first mistake with them and a couple of years paying only the minimum payment.
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Varsity [104]
TigerPulse: 92%
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You don't have a choice with Imman Campobello Water
Sep 30, 2014, 11:31 AM
[ in reply to Cliffs: DO NOT DO BUSINESS WITH ANYONE THAT ] |
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unless you move out of their district. They will cut your water off if you're 2 days late, charge a late fee, and a fee to turn the water back on.
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Varsity [104]
TigerPulse: 92%
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HOW DARE THEM!
Sep 30, 2014, 11:33 AM
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Scoundrels. I'd switch to Landrum Water if I were you. At least they won't screw you like that.
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TigerNet Champion [118408]
TigerPulse: 100%
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Joined: 2002
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WATER BILLS/......LOL***
Sep 30, 2014, 11:35 AM
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Varsity [104]
TigerPulse: 92%
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^^^lives at home with his mom and dad***
Sep 30, 2014, 11:48 AM
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TigerNet Champion [118408]
TigerPulse: 100%
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WHERE YOU BEEN, BRO?***
Sep 30, 2014, 11:49 AM
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Varsity [104]
TigerPulse: 92%
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I know, I know. Sorry we didn't make it over for the
Sep 30, 2014, 11:57 AM
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housewarming party but thx for the invite.
Did you put a well in at your new place?
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TigerNet Champion [118408]
TigerPulse: 100%
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Joined: 2002
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yeah, I mean, there is no waterline down the road, so
Sep 30, 2014, 11:58 AM
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it is well and septic.
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Varsity [104]
TigerPulse: 92%
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So no alternative. Dang. I was ghana axe you how much
Sep 30, 2014, 12:01 PM
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for the well then calc the payback and try to make fun of you but if your choice was water or no water you made a good decision.
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TigerNet Champion [118408]
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It has never been an option for me...and the well was about
Sep 30, 2014, 12:06 PM
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$3500-3800. Last one cost us +/- 1500 repairs when the house was 20 years old, so if you divide $4000 (high estimate) by 15 years (low estimate) then it is about $22.25 per month for water. Septic is a good bit more for installation, not sure of exact numbers and we never repaired it at the last residence.
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All-Time Great [88764]
TigerPulse: 100%
63
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Joined: 2007
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Can you not pay online?***
Sep 30, 2014, 11:19 AM
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Heisman Winner [81180]
TigerPulse: 100%
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Joined: 2005
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I always heard their online bill pay was kind of sketchy
Sep 30, 2014, 11:38 AM
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As in a lot of times it didn't go through, etc. I wouldn't have used it anyway, though. I'm old school, I prefer sending checks in the mail.
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TigerNet HOFer [134582]
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66
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Shoulda got a goat.....***
Sep 30, 2014, 11:21 AM
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Heisman Winner [78882]
TigerPulse: 100%
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Joined: 2003
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Sounds like this company is run by a bunch of corrupt cops.***
Sep 30, 2014, 11:22 AM
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Varsity [104]
TigerPulse: 92%
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Actually, just did some research and it's owned by
Sep 30, 2014, 11:27 AM
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Perry Noble.
At least the fees are going to a good cause.
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TigerNet Champion [118408]
TigerPulse: 100%
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Joined: 2002
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SKINNY JEANS?***
Sep 30, 2014, 11:36 AM
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Heisman Winner [78882]
TigerPulse: 100%
62
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Joined: 2003
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God provided me with this magnificent unit.
Sep 30, 2014, 11:43 AM
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Who am I to hide it from His view?
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Tiger Titan [48992]
TigerPulse: 100%
58
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Joined: 2002
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I had this happen with a furniture purchase
Sep 30, 2014, 11:32 AM
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about 8 years ago. Exactly same situation. Payment had to be mailed the day the payment coupon arrived or it would be late. This particular "bank" had no method of telephonic or online payment - only via snail mail. Also, could not get anyone on the phone to complain to without waiting - literally over 1.5hrs.
I've also had experience with the "Synchrony" bank. I have a Banana Republic card that was with GE and is now "Synchrony." I won't be using that card any longer.
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Heisman Winner [81180]
TigerPulse: 100%
62
Posts: 64015
Joined: 2005
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I would not if I were you, I found a lot of complaints
Sep 30, 2014, 11:43 AM
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similar to mine online. Apparently, they go above and beyond to try and keep you indebted to them. Oh, and when I called to dispute the charge, I got a lovely lady from India who I could barely understand. She tried to lecture me on paying on time, which irked me, considering I am never late on any of my bills.
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TigerNet Immortal [171222]
TigerPulse: 100%
69
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Joined: 2007
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they bought up one of my wife's credit cards
Sep 30, 2014, 11:55 AM
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They tried to charge her for the last month she had paid the old owner along with late fees interest etc
Took 6 weeks and the threat of a lawyer to straighten it out.
Needless to say we chopped up that card
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Fan [75]
TigerPulse: 73%
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Re: Speaking of banks who are horrible...
Sep 30, 2014, 4:24 PM
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What is a check, and how do you mail it? I pay everything online on the exact day that payments are due.
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Clemson Icon [26965]
TigerPulse: 100%
54
Posts: 13961
Joined: 2006
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Whoa... bigdaddy went back in time and I am currently talkin
Sep 30, 2014, 4:28 PM
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to the 1950 bigdaddy. Whoa.
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Orange Blooded [3821]
TigerPulse: 100%
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Good album....bad bank***
Oct 1, 2014, 9:23 AM
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Replies: 29
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