I feel your pain

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Posted by Ballpark Frank ( on 10:15:11 04/02/16

In Reply to: Just Trying To Pay On Line posted by Paul


The "no fuss/no muss" approach that takes the outsourced English as a Second Language customer service people out of play is to simply use your bank's electronic bill pay feature. I have used both USBank and Wells Fargo's e-pay systems; and they both work very effectively without any cost associated with them. For high traffic creditors, like the major cellular providers and telecommunications carriers, they have electronic funds transfer arrangements that can shrink the gap between pulling the trigger, scheduling a payment, and the effective payment date down to a day or two. For more obscure creditors, like a homeowners association or your corner store, it might take as much as a week or more, since the bancorporation issues a paper check that goes via U.S. mail.

Some banks even have features that allow you to schedule recurring payments, where the amount and due date are constant, so they occur regularly, every months, without your manual intervention. I have refused to use that feature, more because of my own mortal frailties in managing money than a lack of trust of my financial institutions.

Offshore customer service operations have been the bane of my existence in recent years, particularly technical support for IT hardware and software. As the price of various components continues to drop, I find myself seriously considering adopting a policy of replacing, rather than fixing, items that fail, much like I do with light bulbs and snow shovels.


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