Re: Has anybody got their tax rebate ?

On Fri, 23 May 2008 12:09:31 -0400, "Mortimer Schnerd, RN"
<mschnerdatcarolina.rr.com> wrote:

California Poppy wrote:
Your bank info is online whether you are accessing it or not. They
have all of their accounts online. They do automatic electronic
transfers online. I pay all of my bills and buy almost everything
online. I have never had any problem.


I do a lot of business online as well but can't say I've had zero problems. I
only had one problem with the bank's online bill paying service when Wachovia
claimed they sent a check for me to my landlord and my landlord said he never
received it. I ended up having to double pay that month while I fought with the
bank. The bank took the money out of my account when I authorized the check and
put it in an intermediate account until the check cleared. As it was, the check
never cleared.... but they were reluctant to just stop payment as I suggested
and then replace it. I finally got satisfaction but it took a good 6-7 weeks
and I removed all of my accounts from Wachovia, where I'd been a good customer
for more than 20 years. I wrote the CEO of the bank one hell of a letter
explaining why, too.

So I moved my accounts to Bank of America and I've never had another problem
with bill pay in the 10 years or so since.

As for credit cards, I had one breach where I got a call from a jeweler in
Michigan asking if I really wanted to drop ship a pair of expensive watches to
Viet Nam. Nope... I didn't know anything about it so I called my CC company to
report the attempted theft. They said:, "Oh, then I guess you didn't order all
these cosmetics in Hong Kong either". Nope, not them either.

My CC company reversed the bogus charges and issued a new card. All in all, it
wasn't a big deal although I worried about identity theft after that. I do
subscribe to one of the services now just in case.

But considering the hundreds of transactions I've made on line over the years,
and all the bills I've had the bank pay automatically for me, I've had very
little trouble and certainly no regrets.

In California, and now in almost every other state, you can lock your
credit, so that any attempt to open a charge account or credit card in
your name will meet with a refusal by the big three credit reporting
bureaus to disclose your info. The process is a little time consuming,
requires some form letters, certified mailing, and $60 for a couple,
but I think it's well worth it. This doesn't protect you from
unauthorized charges on an existing card, but you're pretty well
insulated from that by the credit card companies. What it does guard
against is someone stealing your identity, opening a bunch of cards
and accounts, and charging up a storm. It isn't necessary to pay a
third party to do it for you. You can do it yourself. For most
retirees, this works well since we're never going to apply for credit
anyway, and on the rare occasion when you might want to do it, you can
request that your credit files be unlocked for a specific business for
a brief period of time.
http://www.consumersunion.org/campaigns/learn_more/003484indiv.html
.

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