Last week I had one of those experiences that make you shake your head and just say “What the Fuck”? I have a Kohls account that I don’t use very often, but I did last month and received a bill in the mail in which I quickly paid. I sent a check out for the full balance which was just 63.28 and noticed that after two and half weeks the check hadn’t been cashed yet. On the last day the payment was due I called Kohls and ended up paying the bill over the phone. The woman asked me first for a credit card number and after I gave it to her she explained that there would be a 10.00 fee for using it. I told her to hold on and gave her a debit card number instead and she explained that Kohl’s doesn’t accept debit cards. Finally I told her that I would simply stop by Kohl’s and pay the bill with cash. She said wait a minute, there is another way. If you give me your bank account number and routing number I can do a direct draft. So I did. I then explained to her that the check was sent out over two weeks ago and they should have received it. I said maybe the the US Postal Service is having problems so when you do receive the check please contact me. She agreed and made a note on my account. I thought this was all over, but long behold they received the check, or found it and ended up processing it anyway. So I ended up paying this bill twice and now have a credit on my account. So now I am forced to return to Kohl’s to purchase more of their overprices crap.
There are things that going on in the world of money that seem to be so deceiving at times it really makes you wonder. How desperate are these large corporations that they have to try to create situations where they can take advantage of people to put them into a position where they pay late fee’s? How often does this happen and are other retail giants doing the same thing? If it weren’t for the fact that I watch my finances like a rocket scientist I may have missed this. I know that there are people who are so busy with their lives that they just assume that when they pay a bill it is all done.
And you wonder why I am a Minimalist?