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Very expensive USPS stamp

Discussion in 'ex-Rag Chew Central' started by N5YPJ, Mar 19, 2013.

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  1. N5YPJ

    N5YPJ QRZ Moderator QRZ Page

    So in today's mail I find a notice that I am delinquent in this month's vehicle payment. That set me on the trail of what happened to the check that was written out and mailed seven days before the payment was due; normally two to three working days after the check is mailed it is processed. A check of the credit union's member service department reveals that the check has never been cashed resulting in my spending $30 to stop payment. Then when I call the credit union where the vehicle is financed I am told that I owe a $15 late fee on top of the payment. I was instructed to go to a financial center location in town and make my payment there to get quickest action in posting to my account. Unfortunately none of the credit unions we deal with accept online payments of any kind.

    Gee what an expense that was, $45, all because the post office lost my letter!!:mad: Credit unions seem to have gotten just as expensive as banks have. Where is the concern for the member.
     
  2. K9STH

    K9STH Ham Member QRZ Page

    The cheque must have gotten routed through the Dallas Bulk Mail Center! That particular facility loses, or at least delays, mail on a very regular basis. It is on the list of facilities to be closed. Also, every few months there is an article in the Dallas Morning News about several employees being arrested for mail theft.

    Glen, K9STH
     
  3. K1VSK

    K1VSK Ham Member QRZ Page

    What surprises me the most is that someone still sends a written check through the mail.
     
  4. K0RGR

    K0RGR Premium Subscriber QRZ Page

    We had a new USPS regional processing facility here, that they spent $$$millions on not long ago. Now, they've closed it and all of our mail gets routed through the Twin Cities for processing. What used to be overnight delivery now takes 2-3 days minimum.
     
  5. G0GQK

    G0GQK Ham Member QRZ Page

    Are you able to claim from the Post office, seems to me you have a legitimate gripe
     
  6. N5YPJ

    N5YPJ QRZ Moderator QRZ Page

    Had I sent it certified return receipt perhaps but via regular mail there is no way for me to prove to USPS that I mailed the letter.

    USPS once crushed a radio that I was shipping to a repair center to where the point of where it could not be repaired. When I filed a claim a line supervisor asked me how did I expect to collect the insurance on a radio that didn't work anyhow?
     
  7. KJ4VTH

    KJ4VTH Subscriber QRZ Page

    Credit Unions were at the forefront of customer service initiatives including automatic payments. My CU offers discount/rebate as incentive for folks to sign up as it saves them money and ensures prompt payment. This started over 20 years ago. I'm surprised in this age your CU doesn't "accept online payments of any kind."
     
  8. KE6KA

    KE6KA Ham Member QRZ Page

    There isn't a law prohibiting any type of financial organization from calling themselves a credit union. Since credit unions generally have a good reputation, and being that there are parasites for everything, some companies have popped declaring themselves as credit unions so they can take advantage of people's faith in credit unions.

    With that said, a real credit union would waive the fee if you have a history of prompt payments. And any type of banking business that isn't online today is probably not worth dealing with.

    I wouldn't do business with a bank or credit union that isn't online. I do almost everything online because it saves me the gas and I hate explaining what I want to banks, retailers, and everyone else.
     
  9. W1GUH

    W1GUH Ham Member QRZ Page

    Yea, the only payment I can't pay online is the rent. Greatest thing since sliced bread. And when I mail that check I watch my account until I see it go through. But what a pain! To actually write something and find a stamp and stuff in in the envelope and then schlepp to the Post Office...UGH!
     
  10. N5YPJ

    N5YPJ QRZ Moderator QRZ Page

    I understand that our little local credit union where we keep our checking and savings accounts solely due to the fact that they are the only credit union in town (we are remotely located), is woefully behind the times but where the vehicle is financed is a major credit union in San Antonio with branches in at least three states. The best that they can offer me is bank draft which I really dislike but may go ahead and do to avoid future problems such as this one.
     
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