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 Dissatifaction!
Posted Fri December 16, 2011 4:41 pm, by Lisa D. written to Time Warner Cable
Write a Letter to this Company | Rate this Company
On 11/28 I post dated a check for $127.86 for 12/4 with a rep. over the phone. TW tired to deposit it on 11/29 and then again on 12/2 resulting in $-85 in my account.On 12/2 TW even charged me a $30 returned check fee.
On 12/9 TW tried yet again to deposit the check TWICE resulting in two $30 returned check fees plus my banks $27.20 each time equaling $-115!
My bank account was at $147 so the check should have cleared. Talking with my bank, they said TW is trying to take the $30 returned check fees out FIRST before the actual check.
I have talked to 16 people from TW over the phone, repeating this saga each time. Each tells me there system says no returned check fee was taken from my bank account yet my statement shows otherwise. One person even told my the $127.86 showed it was paid on 12/5.
The bank says they can not authorize payment unless someone tries to put it through, so someone from TW is trying to. My statement actually says TW on it.
I was told I would get a call back 2 different times and have yet to receive a call.
I was told to take my bank statement to the local TW office. I did so on Tues.12/13 and have not heard anything from them as of today. Went to get my money out of my bank account today to pay bills and I was told TW took ANOTHER $127.86 out of my account AGAIN today.
I took that statement over to TW office and waited for a half an hour before the rep told me I need a new copy because the original couldnt be read thru fax at the finance office. I explained, you just took ALL my money I dont have yet another $2 that the bank charges for another bank statement.
I need this rectified IMMEDIATELY. I have over due bills due and have not being able to pay due to all these returned check fees and insufficient fund fees.
I WANT THE RETURNED CHECK FEES AND THE BANKS INSUFFICIENT FUNDS FEES RETURNED TO ME=$225 ASAP!
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by Horsetuna Posted Fri December 23, 2011 @ 11:21 PM
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I noticed a lot of criticism saying she cannot manage her finances,
but look at the numbers:
Her Balance she reports at 147
The cheque was for 127.
Obviuosly, she COULD have afforded it, but apparently TWS tried to do
a 'returned cheque' cost at the same time as the 127, thus making her
overdrawn.
If I write a cheque for 127 and my bank is 147, I would expect it to
CLEAR, not to automatically be chaged another 30 for a cheque that
hasnt even bounced.
Good luck getting this resolved. I say cancel any more
cheques/payments until they return your money.
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ACCCKK! For the love of your finances, cancel your freaking cable
already! You obviously can't afford it. I haven't had cable TV in
over 10 years. YOU'LL LIVE.
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by sarahsmile Posted Mon December 19, 2011 @ 10:34 AM
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There is no such animal as a "post dated check"
Companies/people can tell you that they will hold a ck for you but if
theu decide to cash it, the bank doesn't care what date is written on
it. Checks are payable "on demand" meaning that they are payable when
presented.
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Word
by lisakd463 Fri December 23, 2011 @ 1:52 PM
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by jeishere Posted Mon December 19, 2011 @ 8:40 AM
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How do you post date a check over the phone? Did you actually send
them a check or was this a debit to your accounts?
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by Steve OH (IO) Posted Sat December 17, 2011 @ 10:07 AM
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accept post-dated checks for past due accounts. The TWC rep takes the
info over the phone, and explains very clearly that the check won't be
cashed until the date both parties have agreed on. It's not like the
OP mailed them a check and hoped for the best. TWC service sucks,
though, so this doesn't surprise me.
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iirc...
by PepperElf Sun December 18, 2011 @ 11:23 PM
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by Ben G. Posted Sat December 17, 2011 @ 7:07 AM
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you should cancel cable. Its not a necessity to have it anyways....
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by PepperElf Posted Sat December 17, 2011 @ 2:20 AM
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They have every **LEGAL** right to cash the check immediately.
Putting a different date on the check means ABSOLUTELY NOTHING.
Which is also what they owe you. Zero. Zip. Zilch.
Yes it's hard to give up that much money during Christmas. However no
one forced you to write a check your back account couldn't pay out
on.
In fact, you may want to ask your bank about the legal regulations
governing check cashing, and "post-dating" and "floating" checks.
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Repeatedly
by lisakd463 Fri December 23, 2011 @ 1:49 PM
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by KenPC Posted Sat December 17, 2011 @ 12:07 AM
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You should know that there is no such thing as a post-dated check.
Under the Uniform Commercial Code, which controls these things, if you
post date a check and it is negotiated, you are out of luck. The date
on a check only serves to show when you wrote the check, not when it
is encashable.
Don't write the check until the money is in your account.
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