General Music Chat

haha. This is just a short rant about how STUPID our economic system has become...

My daughter's school has a stream-lined lunch program - She has a lunch account, I can deposit funds into it and her daily usage gets deducted as it occurs.. Sounds easy so far. Even easier is that I can just log onto a website and make a ATM/debit/CC payment to add funds.

But.. they charge a $1.50 "convenience fee". Wait.. isn't it more convenient for YOU (the school), to NOT have to physically deposit my check into the bank?? I think the whole idea of atm/debit was that checks were such a pain in the butt for merchants to take?!? But they want to charge me for the convenience that they also share MORE of ?? Screw you ppl, take my stupid check, and choke on it

Payees get charged every time a transaction occurs with a card. Kramer. It's just another way the banks & credit card co's fleece us.

They pass that fee, with a little extra, onto you, the consumer.

I don't doubt the reasons. I see it as the cost of doing business. Sucks that it's a school, but don't try to profit off me lolz. Let them waste gas driving my check to the bank.

EVERYBODY needs to get with a credit union. They charge far less fees and in some cases NO FEES. Banks are feeing us to death....

You will still get charged for using that credit card, even with a Credit Union, bob.

My wife's co or another one, will make sure of it.

It's amazing how many fingers are in the credit or debit card pie.

Wow! You guys are still here too!!! Cool!


Yeah, Kramer, my son is in school as well and has the same type of thing going on. Fortunately for us though, he packs more than he buys, so if he wants to buy, we'll just give him cash to pay for it that day. I'm actually surprised that the school accepts that anymore. The whole online/credit/convience thing just ends up costing more no matter which way you slice it...

Im going to start charging convenience fees of my own.

My water bill comes with a billing charge every month:

$7.00 billing fee

WHAT?!?

These "convenience" fees with billing are just a crock. I don't remember any time in the 70's or 80's where a business or utility actually had the balls to charge a customer to do business or to send them a bill.

Call them whatever.. does geico charge me to process my payment on line? Nope. One reason I don't leave them. Too bad my water company and school district don't face competition

How about Penelec and National Fuel charging $12 a month just to have their stupid meters on your house? I look at that as "gouging". Much the same way that diesel fuel costs more than gasoline. Diesel is the first by-product of refining, and it takes much more process and money to produce gasoline. Obvious gouging.

This is why we (the whole family) douched Bank of America.

They missed sending me a bill for 20$ at some point and then damaged my credit over it.

I happen to work in an Ecom (or I did, I should say) so I called my contact at BKAM to get this removed and they wouldn't do it.

I said ok. Send me a letter of zero balance and cancel all 3 credit cards with your company.

They started to smell what was in the wind but by that time, I was convinced BKAM is filled with bastardos. lol

Next I called my parents and had them remove their accounts.
(credit is easy to get if you pay your bills on time)

Next I called my in-laws.
Next my sister in AZ.
And so on, and so on and I had her tell 2 friends etc.

Now I every time I hear anyone even sneeze BKAM and I let them know the whole story. I won't be happy until they are completely destroyed and defunct.

"Faq the world, I wanna get off now.." all that spinning is making me want to puke.

If you know any entity that is utter crap, refuse them your business or when it comes time, you will have to lie in the bed you made!

I feel the same way about Chase.
Worst bank ever.

Hey Kramer, when we bought this house, they added a "warehousing fee" to the loan, & tried to keep us from closing until we paid it.

I told 'em to show me the warehouse, & show me WHAT they "warehoused" in it, & I'd pay it, otherwise they can shove thier fee (which was $1,000!) where the sun doesn't shine.

Some outfits will just add nonsensical fees on every bill & expect us to pay them. I look at my bills, & refuse time & again to give my money away just because they want me to. I ALWAYS ask for an itemized bill, too, esp from hospitals! They are some of the very worst criminals doing this crap, & they never give an inch on the billing, either.

They took that fee off the loan, btw, & we bought the house.

Yeah, I agree philby - I used to catch Verizon doing that senseless fee crap all the time, to the point they don't even argue when you call, they just remove the fee(s) that you complained about, cause they know they are wrong.

TD now does the same thing, I keep catching them adding fees to cause my balance to dip so they can hit me with unexpected overdrafts.

The FTC used to do their jobs, they stopped at some point in the 90's, now it's just "banks gone wild".

Not just banks, Kramer, anyone who thinks they can get away with it.

I think what we should do is make up some nonsensical fee's type out a bill and send it to those bastards and expect them to pay it! LMFAO! I hate banks unfortunately you have to have them these day's. They have made sure of it!

Like the old saying goes the rich get richer and the poor steal!