Grex Agora47 Conference

Item 76: If I'm DEAD, will my Credit Report show an unpaid bill? [long]

Entered by other on Fri Oct 10 06:24:27 2003:

Subtitle:  How evil is Comcast, really?

The Background:  In June of 2003, I opened an account with Comcast cable 
for cable television and broadband internet services.  At the time I 
ordered the account opened (by phone), I received no indication that I 
needed to provide a billing address at the time I placed the order.

When the technician came and installed the service, I gave specific 
instructions that the bills should be sent to my PO box address, as 
anything sent to the service address would not be received.  At that 
time, I was given no indication that that information would not be passed 
along, or that I needed to give it to anyone else in order that it be put 
into effect.

Time passed.  I didn't receive any bills, but in the midst of my life 
during a typical summer, I simply didn't notice.  Then came early August.  
I gathered up all my bills, paid two months in advance for the ones that 
made sense to do so, paid up the rest as appropriate, and left town for a 
month.  Three days into my trip, I received a voicemail from Comcast 
saying to call them to discuss an urgent billing matter.

I called Comcast from a campground in New Hampshire.  I was told that my 
account was in arrears.  I told them that *IF* I had received a bill (I 
couldn't honestly remember whether I had or not) I would have paid it, 
and if they sent me one in time to reasonably expect it to be paid by the 
due date (four days later than that conversation) then I must have paid 
it.  I patiently explain that I'm away from home for a month, I do not 
have the bills in front of me, and I will not expect to be able to do 
anything at all about it until I get home around the end of the first 
week of September.  That was 11 August.

Fast forward to early September.  I'm still on the road, maybe in Austin, 
maybe on the way there.  I get that same voicemail from Comcast.  I 
ignore it.  I'll be home in a few days anyway.

I arrive home on 8 September to find a disconnection notice on my door.  
The service had not yet been disconnected.  I call Comcast to find out 
what the deal is, and they tell me they haven't been paid since the 
installation.  I check my records, and find out they're right.  The only 
conclusion I can draw is that I never received the bills.  I'm not in the 
habit of losing my bills.  If I get 'em, I pay 'em (assuming they're 
legit).  So, I report that I had not received any bills.  They check 
their records, and it turns out they were billing me at the service 
address.  When I mention that I specifically instructed the technician 
that I would not receive bills at the service address, I am told that I 
needed to say that when I placed the order.  I complain that if I am 
never given this information, I cannot reasonably be expected to act upon 
it.  

Eventually, I suggest the possibility of paying the bill by credit card, 
over the phone.  Note that *I* had to suggest this.  I pay the bill, get 
the billing address corrected and request an itemized bill reflecting the 
services for which I just paid and confirming that all late charges had 
been dismissed.  I am assured that the disconnection order is cancelled, 
and all is well.  That was 11 September.

13 September:  I come home from work to discover that my cable modem will 
not let me connect to the Internet.  I call Comcast to find out what the 
trouble is and get it fixed.  I get a youngish sounding female tech who 
very tentatively asks me if there's been a death in my family.  A death 
in my family?!  No, why?  Well, the computer says the account is closed 
because you're dead.  The reports of my demise have been greatly 
exaggerated.  (Thanks, Mark Twain!)  Anyway, I'm not dead, so can I get 
this turned back on?  Sure, no problem, I'll see if I can catch the tech, 
and I'll call you back later today to confirm everything was put back.

OK!  Finally!  Someone who seemed not only to be nice, but also willing 
to fix things and follow up to make sure it was done right.  (I'm 
guessing they've fired her by now.)  Later that day all was indeed 
restored.  Fast forward three weeks.

1 October:  The cable modem is out again.  I call Comcast.  They insist I 
go to their service center and show some ID.  I, in turn, insist that 
they have screwed up, and they should connect me with whomever it is that 
has the authority to fix what they've done.  After getting VERY pissed 
off over the next hour and a half, I finally get connected with someone 
who wont tell me her full name, insists that her job title, in full, is 
"Senior," and tells me that I have to go to their service center and show 
some ID to prove that I'm not dead.  After another half an hour or so, 
she finally asks me enough questions about the account information to 
satisfy herself that I am who I say I am.  She even asks me for a code to 
be placed on the account to insure that all orders placed with regard to 
that account are authorized by me (as the only person with that code.  I 
won't even go into the flaws in that idea.).  I ask how this could have 
happened and she assures me that there is absolutely no way that Comcast 
could have caused my account to indicate that I was deceased, so someone 
must have gotten my account information and called them and told them 
that I was dead.  

As far as I'm concerned, this is less likely to happen than three 
separate meteors converging on different trajectories to knock my earring 
out while I sleep.  I demand assurances that this fiasco is concluded.  
Naturally, the only response I get is that if I'd paid my bill it 
wouldn't have happened in the first place, and she tells me the service 
will be turned back on by a week later, but she'll call me back to let me 
know if she is able to expedite the reconnection at all.

She calls me back later, and tell me oops, it was on our end.  Someone 
hit the wrong key.  Anyway, the service should be back on the next day.  
While we're talking, the service comes back on, but she doesn't have any 
information about why or how.  Naturally, this inspires such confidence 
in me that I spend another twenty minutes trying to get some kind of 
assurance that this won't happen again.  Talk about banging your head on 
a wall.

It is now 9 October (well, it was when I started this sordid tale) and 
here in front of me is a bill from Comcast.  Note that I never received a 
statement detailing the charges I paid on my credit card, but I did get 
this bill, for  ** $425.73 **.  Yup.  $425.00 for "unreturned equipment" 
plus assorted monthly charges, taxes and fees.

Naturally, I have no intention of paying this bill.  I will call and 
bitch someone out hardcore, but I just have to ask:  If I don't pay the 
bill for the equipment I didn't return that was used for the account that 
was closed because I was dead, will Comcast still turn it over to a 
collection agency, and will it show up on my credit report?

I can't wait to tell this to a judge when I sue Comcast.  What a bunch of 
fucking idiots.

46 responses total.

#1 of 46 by michaela on Fri Oct 10 10:23:11 2003:

They didn't ask for a billing address when you set up your account, and you
didn't find that odd?

You didn't receive a bill for three months, and you didn't find that odd?

True, the "dead" thing was pretty stupid, but you probably should have been
more responsible about keeping track of which bills you had received and which
ones had never shown up. As you said, in the shuffle of summer, you lost
track. That's not their fault.

Our phone bill was almost two weeks late, and I was on the phone with
Ameritech by day 14. I can't imagine waiting three months or wondering if a
bill had shown up or not without calling the company to check on it.


#2 of 46 by jp2 on Fri Oct 10 12:13:02 2003:

This response has been erased.



#3 of 46 by other on Fri Oct 10 14:13:46 2003:

1:  The time period for which I didn't see a bill was from the first week 
of June through 8 August.  During that period was Summer festival, during 
which times I was working every single day from 9 June to 12 July, and 
was quite busy in the weeks after as well.  I had just moved into a new 
apartment on 29 May, and was still trying to get settled in amidst my 
work schedule.  So, between a severely interrupted routine and a 
demanding work schedule, looking for unreceived bills was not topping my 
priority list.

In addition, I was not familiar with the billing cycle for this service, 
and didn't know when in a given month I should expect a bill.  Lastly, 
when I ordered the service, the conversation was pretty much limited to 
pricing of different service options, where to send the technician and 
when.  When someone asks me my address, I *always* clarify whether 
they're seeking a service/delivery address or a mailing address.  This is 
a habit deeply ingrained after maintaining a PO Box mailing address for 
12.5 years.


#4 of 46 by gull on Fri Oct 10 14:19:05 2003:

Re #1:
> You didn't receive a bill for three months, and you didn't find that
> odd?

I don't know about other, but the extent of my bill paying system is,
"when the bill arrives, I pay it."  I've never really kept track of
what's  due when, except for really big items like rent and my student loan.


#5 of 46 by jp2 on Fri Oct 10 14:30:14 2003:

This response has been erased.



#6 of 46 by polygon on Fri Oct 10 15:13:49 2003:

I think being abusive to customers on billing issues is an integral part
of the cable-TV business model.


#7 of 46 by rcurl on Fri Oct 10 19:46:52 2003:

My bill paying system to to queue the payment with my online banking to be
paid four days before it is due. 

The Comcast story is "really something". There must be some way to take
advantage of being officially, but not literally, dead. 



#8 of 46 by janc on Fri Oct 10 19:47:34 2003:

Count yourself lucky, pay the bills and stop calling them.  If you insist on
being alive when the computer says you are dead, they'll have to send out a
technician to fix the problem.


#9 of 46 by cmcgee on Fri Oct 10 19:55:57 2003:

other, you may want to check and see if anyone else thinks you're dead.  

Seriously, a friend of mine is going through a big credit hassle because he
discovered when he tried to buy a car that Social Security had placed his SS
number on a list of "dead" accounts.  Apparently some illegal was also using
his number, died, and got reported to SS.  

Now my friend can't get any credit, and is having a hard time proving that
he is alive.  Social Security was a problem even though he had his original
SS card to show to them.   He's pissed, but working thorough the paperwork,
one day at a time to get a credit rating back.  


#10 of 46 by cross on Fri Oct 10 20:02:07 2003:

This response has been erased.



#11 of 46 by gull on Fri Oct 10 20:14:39 2003:

Re #8: That doesn't sound as threatening when you remember that the
technician will invariably show up when you're at work.


#12 of 46 by scott on Fri Oct 10 20:35:18 2003:

Dress up as a vampire, go to the billing office, and demand that they change
your status from "dead" to "undead".


#13 of 46 by jp2 on Fri Oct 10 20:37:55 2003:

This response has been erased.



#14 of 46 by scott on Fri Oct 10 20:42:15 2003:

Wrong again, Jamie.  That would require making a technician actually perform
"work".


#15 of 46 by lynne on Fri Oct 10 22:06:53 2003:

re 8:  I think the point is that he already paid the $400 they are trying to
bill him for now.


#16 of 46 by michaela on Fri Oct 10 22:47:04 2003:

Other - I didn't mean any offense. For some reason, I read your login name
wrong (I'd been up 40 hours) and thought you were someone I'd been arguing
with. I'm sorry. :-P


#17 of 46 by jp2 on Fri Oct 10 22:55:58 2003:

This response has been erased.



#18 of 46 by other on Fri Oct 10 23:06:23 2003:

No offense taken.

I haven't paid the large bill, and when Comcast called me back today 
about it, they took the charge off and reported that my current balance 
is now a whopping $10.  I'm still waiting for the next screwup.


#19 of 46 by lynne on Fri Oct 10 23:39:44 2003:

oh--different mistake?  I assumed that they were billing you a second time
for the backlog that you had previously paid by credit card.  Either way,
it's generally a bad idea to pay bills that one doesn't owe, so I still
disagree with #8.


#20 of 46 by gull on Fri Oct 10 23:52:27 2003:

No, they were billing him because he died without returning the
equipment they installed.


#21 of 46 by michaela on Sat Oct 11 03:47:20 2003:

#20 made me laugh. :)


#22 of 46 by tsty on Sat Oct 11 05:00:22 2003:

comcast asd time-warner are evil - just get used to it . story here
but i will not regle you  .. it's in court.


#23 of 46 by scg on Sat Oct 11 06:37:37 2003:

I generally figure that if somebody who's supposed to bill me doesn't, the
bill must not need to be paid yet.  This is especially the case, since for
just about everything I get billed for, the amount varries from month to month
(rent is constant, but rent never involves receiving a bill, so it's an
exception).  For utility companies that neglect to send a bill, or even if
I lose the bill, they bill me again the next month, and I pay it.  I'm more
careful with credit cards, since they actually go on my credit record.

I did at one point get into a situation with Pacific Bell where they stopped
billing me.  That is, they stopped sending me regular statements.  Every few
months, they would send me a shutoff notice, with instructions to pay some
amount of money, which I would pay promptly.  Eventually I wanted to order
something else from them, at which point they made me spend a few hours
sorting out the mess, but the experience didn't make me wish I'd given up
those hours to fix their billing problem sooner.  It just wasn't worth it;
it was their screwup, and there was very little in it for me.

That said, in any large company (and even small companies I've worked for)
the technical people tend to be pretty far removed from the billing process.
If you want to be billed somewhere other than the service address, the person
taking the order probably has far more access to make that happen than the
installer, and the installer may not know how little access he has (putting
something about billing in the notes for the install ticket doesn't mean the
billing people are going to be reading the install notes).  If nobody says
anything else, the service address does seem like a rather logical default.


#24 of 46 by mcnally on Sat Oct 11 07:17:24 2003:

  The place I lived in Bellevue, WA, I had terrible problems with mail
  delivery.  It wasn't until I tried to cancel a gift magazine subscription
  a family member had given me that I realized the extent of my missing
  mail problem and started looking into it (in the case of the magazine,
  I thought I'd received one issue and missed one.  It turned out I'd
  missed the gift card, missed four issues, then received one, and then
  started missing again..) 

  Since I'm not a person who anticipates when irregularly-scheduled bills
  are due, and since I was travelling a lot while residing there, the
  results were not good.


#25 of 46 by scott on Sat Oct 11 14:08:06 2003:

I seriously expect that companies will make a regular practice of screwing
up billing, in order to screw people out of late fees or whatever.  It's a
logical extensnio of all the other shit they've gotten away with in recent
years.


#26 of 46 by other on Sat Oct 11 17:49:26 2003:

Except that they generally seem pretty willing to remove those fess when 
it is arguable that they're the ones who screwed up, if you go through 
the trouble of calling and complaining hard enough.


#27 of 46 by sj2 on Sun Oct 12 08:04:11 2003:

How many companies handle billing mess in a reasonable way?? I've had 
service issues with almost everyone - Phone, credit card, auto loan, 
personal loan, insurance. Local companies as well as MNCs like GE, 
HSBC, Prudential Life. And all suck at customer support. 


#28 of 46 by gull on Mon Oct 13 00:52:34 2003:

Re #25: I've always figured this is why the window between when my 
credit card bills arrive and when I pay them off has steadily shrunk.

I've also noticed that some credit cards seem to have eliminated the 
one-month grace period on purchases before finance charges.  I pay my 
cards off in full every month, yet suddenly one card started charging me 
finance charges anyway unless I stopped using it so that there were no 
overlapping charges.  I quickly stopped using the card.


#29 of 46 by gull on Mon Oct 13 00:53:28 2003:

Err, I meant to say the window between when my credit card bills arrive 
and when they're due, not when I pay them off.


#30 of 46 by jep on Mon Oct 13 02:07:54 2003:

I think we should have a funeral for Eric.  If Comcast says he's dead, 
who is he to argue?


#31 of 46 by other on Mon Oct 13 02:47:20 2003:

Only if I get to attend!


#32 of 46 by jep on Mon Oct 13 03:04:13 2003:

Of *course* you would be invited to attend.


#33 of 46 by lynne on Mon Oct 13 03:37:36 2003:

let's skip the funeral and go straight to the wake.  Hey, we could have a
nice padded coffin for him to lie in if he drank too much and passed out.


#34 of 46 by other on Mon Oct 13 04:02:47 2003:

Oh, joy!


#35 of 46 by scg on Mon Oct 13 06:19:52 2003:

My dad tells the story of a neighbor of his grandparents, who had been
erroniously declared dead while serving as a nurse in World War I.  Her family
had had a funeral for her before she got wind of it and sent them a four word
telegram, "not dead.  Will write."


#36 of 46 by tsty on Tue Nov 4 06:46:42 2003:

fodder for another anne rice novel .. except that 'blood canticle' is 
her last in teh vampire chronicles.
  
this story may, however, revive her interst and propel it into 21st century.


#37 of 46 by cyberpnk on Mon Nov 10 00:49:31 2003:

Anne Rice said that Memnoch the Devil would be the last Vampire novel, 
and look how many she's written since then...


#38 of 46 by tod on Mon Nov 10 18:07:22 2003:

This response has been erased.



#39 of 46 by gull on Mon Nov 10 19:55:33 2003:

Not anymore.  She had her stomach stapled.


#40 of 46 by klg on Mon Nov 10 20:42:42 2003:

(What a pity the surgeon did not staple her lips, too, while he was at 
it.)


#41 of 46 by twenex on Wed Nov 12 22:00:41 2003:

Every Star Trek film since eihter 1 or 2 has been "the LAST one...EVER!! Cross
our hearts and hope to beam up!" I think they stopped numbering them after
6 to try and avoid it looking like Nightmare on Elm Street.


#42 of 46 by aruba on Wed Nov 12 22:51:53 2003:

(I think they stopped numbering them after 6 because the cast changed.)


#43 of 46 by twenex on Wed Nov 12 23:21:08 2003:

Equally plausible (unless your not a conspiracy theorist, in whichj case it's
more plausible). They could have solved that problem by calling 'em "ST:TNG
I, II, III..."


#44 of 46 by gull on Thu Nov 13 18:39:46 2003:

I think they stopped number them after 6 because they didn't want us to
know they were using a base 7 numbering system.


#45 of 46 by twenex on Thu Nov 13 21:24:24 2003:

rofflmao.


#46 of 46 by willcome on Thu Nov 27 08:07:36 2003:

whorre.


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