Not sponsored/affiliate in any way, just came out of a stressful situation better than expected so thought I'd share this positive outcome/experience with Discover Bank for anyone in my position or similar—
Since Berkley Properties, LLC is incentivized by a $10/day late fee penalty to keep their autopay system (TWA for RentManager) in a state of severe disrepair, I thought I'd try my luck at my bank's “BillPay” system since it'd allegedly handle pushing money to a recalcitrant payee, guaranteed delivery before a deadline. (For EFT-capable recipients, payments are done through the banking system; other recipients receive a cashier's check by mail.)
Astonishingly, the property management "didn't receive" the check on time, and billed my tenant account for their incompetence. (Miraculously, they "
found received it" lying under some other papers in their disorganized office within 2 hours of my stopping by to pester them on the matter…)
On hope, I reached out to my bank asking about this—the delivery was guaranteed 1 or 2 days before the due date, so I had hoped they had something substantiating this—it turns out, they did!
Per our Bill Pay Guarantee, we will reimburse you for any late fees that you incur as a result of a Bill Pay payment arriving after the Deliver By date that was confirmed when you scheduled the payment in the Discover Account Center (up to $50 per payment). In order to resolve this for you as quickly as possible, please reply to this message with the following information:
- What was your payment due date?
- What date did your payment post to your payee account?
- What was the amount of your late fee?
I supplied this information mid-day on a Tuesday (including relevant check numbers to expedite things); the reimbursement posted to my account on Thursday.
Obviously, I'll be making a point of personally handing a written check to the office and getting a receipt each month from here on out—that's less stressful than this whole song and dance, and doesn't incentivize anyone's bad behavior as much, or incentivize my bank to cancel such a generous policy—but if you've relied on your bank's “automatic billpay service” and been burned for it, I can recommend at least reaching out to see if your bank has a policy for this.
(I did ask them if they had an option for certified mail on automatic billpay—I'd be happy to pay the extra fee, I just don't want to have to remember the task every darn month—but Discover Bank did not offer this as of December 2022.)
Update: Hmm. 13 days after I posted this, my landlord announced it'll no longer be accepting in-person payments. I wonder if it's common practice for corporate officers to have Google Alerts set up for their company—cf. CAcert's curious timing in this thread?