August 15th, 2009


Credit Union Credit Card Woes

I pay all my bills on time every time. This includes credit cards; one of which is through a local credit union and I pay it in person with cash. (It's just been easier for this one to do it this way, but maybe not anymore.)

June 26: I go to pay my Credit card bill (due July 4th) in person with cash. Teller tells me it's too early to make a payment and if I chose to pay that day, it would only credit to my principal account and not count as a payment, which I thought was bizarre and that had never been policy before, so I left, annoyed, and decided to go just try later.

July 3: I pay my credit card bill in person, the day before it's due.

July 31: I go to a different branch location to pay my credit card bill, due August 4. I ask the teller how much my payment is and pay a bit more than the minimum.

Today: Decide to stop by my PO box before I go run other errands. I get a letter in my PO box dated August 12 reminding me that my August 4 credit card payment had not yet been received and that I'm incurring late charges. This made me angry.

I have to go home to find the receipt of payment from July 31st... to discover the teller put my payment in my savings account! This makes me angrier, but knew it was an easy fix.

I go back into town to the bank, and apparently, I "missed" my July 4 payment, my July 31 payment went towards my July payment, and that I still owe a $23 balance for my August 4th payment! I was so angry it brought tears to my eyes, which was embarrassing. The teller was very nice and able to get things squared away, is getting all the late fees waived and noting that I was not at fault, I even made a payment for September, but this whole bullshit process took a few hours from start to finish (going home, going back into town, etc.) and I wasn't able to get to run my other necessary errands.
  • Current Mood
    cranky cranky
Live and Learn
  • smu

Overcharged in SoHo

I was in Manhattan on Friday with my friend, and we stopped at a little cafe on Spring St in SoHo we usually go to called Le Petit Cafe. It's a very small place and the food is good.

That day was the worst experience there. Our waitress was forgetful and unhelpful. She seemed to have trouble remembering our order and it took forever to get our food. It took over a half hour to get two cold sandwiches and an order of fries. I saw a couple who sat down and waited for a menu and left because the waitress just never came over to them.

Despite the wait, the food was tasty. The waitress never came back over to see if we needed anything else, so our soda was never refilled. Once we were finished, she never came to take our plates away and bring the check. We literally were sitting there with empty plates and trying to wave her over for a check. She just walked on by. Finally, we managed to get her to get us a check. We were sitting near the front counter, so we saw her punching away at a calculator to get our total.

When the check is brought over, we see she had factored in her tip. We both thought it was very presumptuous of her to give herself a four dollar tip on our bill. We've never had that happen before at this cafe, and for a table of two people it seemed crazy to demand it. Of course we were going to tip her. Exasperated and slightly insulted, we gave our credit cards to her. We saw her walk behind the counter with them, put them down, and then turn around and start filling other people's drink orders. This really made us annoyed. We had waited all that time for food and service, and now she wasn't even checking us out and was filling drink orders for other waiters? It was the last straw. The owner saw us trying to wave the waitress over so we could ask her to PLEASE just get us out of there. She walked over, asked what was wrong and we said we were waiting for the bill so we could leave. She walked over to the waitress, took the glasses from her hands and made her do the check. FINALLY.

We get our separate bills, sign them, and leave. It was $16.46, which included the tip she had added. The print out had a place for tips, and I put x's through it while my friend put a line. She was NOT getting another tip! We both made a point to rewrite $16.46 on the total line.

Today I see on my bank's website that the cafe is charging me $19.62! I am so angry. Did the waitress try to get even MORE from us? I have my yellow slip of paper that says I paid $16.46! What gives?! I want to call the cafe and demand the money be refunded and an explanation, but I don't know what to say or how to say it. Should I go to my bank directly and ask them to do a charge back? I am just so ANGRY that they're pulling this shady shit. I've eaten there every time I go to SoHo and I've never had a problem, now this time it's a disaster and I'm being overcharged on crap service to boot! I certainly won't be returning now! I can't believe in the seven months since I've been there last, it went to crap so quickly.

What should I do?