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This happens all the time. I have a line of credit and I'll log on, view the current outstanding debt and pay it off in full. Some time later I'll log in agai
by giarc 7y ago
This happens all the time. I have a line of credit and I'll log on, view the current outstanding debt and pay it off in full. Some time later I'll log in again to see that I still owe $0.xx amount which is the interest I had accrued in the time it took the funds to move from one account to another. It sounds like this is the same situation this man faced, and yet he lost a $60,000 investment.
- toomuchtodo 7y agoIt sounds like regulation is required that when an outstanding debt is shown, a payoff quote good for X days must be provided (and when you pay off, you receive a refund for excess interest depending on when the payment settles). My mortgage servicers do it, my auto loan provider does it, why is the county not required to do it? If you expect citizens to act in good faith in paying their debts, help them to do so inexpensively.
- chroem- 7y agoWho regulates the regulators?
- toomuchtodo 7y agoCitizens, activists, journalists. EDIT: @dredmorbius Thank you for the assist!
- dredmorbius 7y agoAnd lawyers, courts, and judges. For completeness.
- deleted 7y ago[deleted]
- SilasX 7y agoI recently paid a toll online (TxTag), and I paid the "total balance", but I missed that you have to check a second box (the amount "in collections") in order to actually pay everything that's due, and then I got hit with further late fees for that part, with no warning that, after this payment, I was still accruing penalties. Screenshot of the interface: https://photos.app.goo.gl/yAMrNg4VkrP68SLf6 https://photos.app.goo.gl/yAMrNg4VkrP68SLf6
- deleted 7y ago[deleted]
- jdhn 7y agoWhat a horrific dark UX pattern.
- SilasX 7y agoAmen. All in all I ended up paying about $33 for one wrong turn onto a quarter mile of toll road.
- ghostbrainalpha 7y agoSerious question... do we call it a "dark pattern" when the design was unintentionally flawed by incompetence? Or is it only a dark pattern if the design intended to be deceptive by it creator?
- teddyh 7y agoIf somebody stands to profit by a bad design, they don’t get the benefit of the doubt.
- jermaustin1 7y agoI have a collection from EZ-Pass in NJ. The toll booth didn't read my EZ-Pass on MY car registered to ME an EZ-Pass customer. So EZ-Pass sent me a bill in the mail for $2.50 + $50 administration fee. I went on their website to pay, and they gave me an option to add the license plate to my account and only pay the $2.50. I did that. Last week, after never hearing from EZ Pass again, I get a letter in the mail from a collections agency for the $50.
- colechristensen 7y agoI lost half a semester at university because of something like this. I paid my tuition in full, something like $6000, which didn't include a book store purchase I had made weeks before. I got two generic post cards reminding me to pay my tuition and nothing else until I got a letter informing me I had been unenrolled. No bill, no phone call. I never went back.