{"id":2443,"date":"2023-01-05T16:34:46","date_gmt":"2023-01-05T22:34:46","guid":{"rendered":"https:\/\/www.ishygddt.xyz\/~blog\/?p=2443"},"modified":"2023-02-03T11:51:55","modified_gmt":"2023-02-03T17:51:55","slug":"discover-billpay-late-fee-reimbursement","status":"publish","type":"post","link":"http:\/\/www.ishygddt.xyz\/~blog\/2023\/01\/discover-billpay-late-fee-reimbursement","title":{"rendered":"Late Fee Reimbursement with Discover Bank BillPay"},"content":{"rendered":"<p>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\u2014<\/p>\n<p>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 \u201cBillPay\u201d system since it'd allegedly handle <em>pushing<\/em> 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.)<\/p>\n<p>Astonishingly, the property management \"didn't receive\" the check on time, and billed my tenant account for their incompetence. (Miraculously, they \"<s>found<\/s> <em>received<\/em> it\" lying under some other papers in their disorganized office within 2 hours of my stopping by to pester them on the matter\u2026)<\/p>\n<p>On hope, I reached out to my bank asking about this\u2014the delivery was guaranteed 1 or 2 days <em>before<\/em> the due date, so I had hoped they had something substantiating this\u2014it turns out, they did!<\/p>\n<blockquote><p>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:<\/p>\n<ol>\n<li>What was your payment <strong>due date<\/strong>?<\/li>\n<li>What date did your payment post to your <strong>payee account<\/strong>?<\/li>\n<li>What was the <strong>amount of your late fee<\/strong>?<\/li>\n<\/ol>\n<\/blockquote>\n<p>I supplied this information mid-day on a Tuesday (including relevant check numbers to expedite things); the reimbursement posted to my account on Thursday.<\/p>\n<p>Obviously, I'll be making a point of personally <em>handing<\/em> a written check to the office and getting a receipt each month from here on out\u2014that'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\u2014but if you've relied on your bank's \u201cautomatic billpay service\u201d and been burned for it, I can recommend at least reaching out to <em>see<\/em> if your bank has a policy for this.<\/p>\n<p>(I did ask them if they had an option for certified mail on automatic billpay\u2014I'd be happy to pay the extra fee, I just don't want to have to <em>remember<\/em> the task every darn month\u2014but Discover Bank did not offer this as of December 2022.)<\/p>\n<hr \/>\n<p>Update: Hmm. 13 days after I posted this, my landlord <a href=\"https:\/\/www.reddit.com\/r\/legaladvice\/comments\/10sq97q\/i_think_my_landlord_raised_my_rent_midlease\/\">announced<\/a> 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\u2014<em>cf.<\/em> CAcert's <a href=\"https:\/\/github.com\/JamesTheAwesomeDude\/cerdicator\/issues\/6#issuecomment-846605731\">curious timing in this thread<\/a>?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 using a bank's \"automatic billpay\" for anyone in my position or similar\u2026<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[97],"tags":[],"class_list":["post-2443","post","type-post","status-publish","format-standard","hentry","category-original-content"],"_links":{"self":[{"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/posts\/2443","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/comments?post=2443"}],"version-history":[{"count":7,"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/posts\/2443\/revisions"}],"predecessor-version":[{"id":2490,"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/posts\/2443\/revisions\/2490"}],"wp:attachment":[{"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/media?parent=2443"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/categories?post=2443"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.ishygddt.xyz\/~blog\/wp-json\/wp\/v2\/tags?post=2443"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}