@Anonymous wrote:
You missed the part where I specifically stated that i don't have a problem paying for what I received! I do have an issue with the service charges that was tacked onto it! It's right after the part about the bill collectors calling.
He didn't miss it. You're responsible for fees that are part of your account terms, and, according to your post, the fee in question resulted from Phillips 66 not receiving payment for goods you received. If you want to make the informed decision to not pay that fee based on principle, you can do so, but you should expect a collection account on your reports eventually. Having the three institutions involved in your transaction each pointing you in a circle to the other is an extremely frustrating experience, but the members who reply here are only offering the best advice that they have out of kindness and willingness to help, and it's been my experience that you'll get the most out of this forum if you read any reply to that advice in the spirit in which it is given.
For what it is worth, I used to have chime. I opened a high yield savings account at another bank and tried to do an ACH transfer from Chime to the other bank.
The next day, I discovered the other bank had shut down my savings account because they had had a lot of fraud issues associated with Chime Bank. The woman in the fraud department was so rude... made it seem like I should have known. It took me several days and working directly with the VP of the bank (small NC bank) to get it sorted out. He had a devil of a time trying to get ahold of anyone at chime bank who could confirm the account status etc. he finally gave up and reinstated my account as long as I promised never to do transfers involving Chime bank.
The amount in question was 50 bucks! I even told the fraud department lady if I was going to commit fraud, I would do it for waaay more than 50 bucks!
Lesson learned... don't use Chime Bank.
Sometimes you have to ask yourself whether you would rather be right or have peace. I doubt that the amount of the service fees is going to kill you financially.
However, the collection on your credit reports could make your financial life very difficult for at least 7 years.
If you truly feel it is a scam, pay off the debt to avoid the credit impact and then take the company to small claims court to recover the fees.
No matter how righteous the cause, self-help remedies seldom end well!
@Anonymous wrote:
Why I don't even bother posting anymore. Nothing to do with the question at hand.
They are addressing your questions....you just keep being a bit rude. The consensus is to just pay and deal with who's at fault later. If you don't pay because you don't like the service fees, well, expect a collection eventually, even if it's just $27. No one seems to want to take the blame, which I understand is frustrating, but ultimately the only one you hurt by not paying is yourself, because you risk getting a collection slapped on your reports over $27 and whatever fees are being added on. This will hurt you for 7 years.
