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A warning to those cancelling DirecTV service...

Discussion in 'DIRECTV General Discussion' started by Rambler, Jun 16, 2009.

  1. oldfantom

    oldfantom Icon

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    Mar 13, 2006
    Call me old fashioned, but isn't that fraud? Also, just because you cancel a CC, it does not mean you can't be charged for something you agreed to pay before you canceled. I got a bill five months after I cancelled my Amex because I had pre-authorized a yearly membership. I recall Amex telling me that they will honor charges for 6 months or a year. By the way, once you cancel, if you do carry a balance, the issuing bank probably will charge you the max interest rate. I think the credit card companies think of it as fraud too.
     
  2. Rambler

    Rambler Icon

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    Nov 9, 2006
    I don't think that BKC was indicating not to pay the balance, but one way to avoid D* charging to the CC on file and not giving you any other payment option.
     
  3. BKC

    BKC Icon

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    Dec 12, 2007
    Exactly Rambler :)
     
  4. oldfantom

    oldfantom Icon

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    Mar 13, 2006
    EDIT
    I posted and felt compelled to explicitly state the spirit of my post. I think BKC was giving advice in order to help. All I am doing is giving some advice and provoke thought to the contrary. Not trying to attack anyone personally.
    END EDIT

    I am not going to dispute your reply to the point that D* should make other options available.

    And I am all for giving everyone here the credit and common courtesy that they are not intentionally trying to steal and will eventually pay.

    However, you enter into an agreement authorizing a retailer to take final payment from a CC. You know it, and if you are past post 1 in this thread, you do. You cancel your card to get around it for whatever reason. You knowingly are avoiding the commitment you made. I understand if you cancelled a card 6 months ago and did not know or forgot. I'll even edit my post and say I understand that maybe you did not stop to think through, before now, that canceling the card to avoid the terms of the contract might be a bad thing. These things happen. But, to me, doing this intentionally for any reason from (a) I don't think it is a fair practice to (z) I am roach and am starting my career in crime stealing this excellent piece of hardware, the HR-100; the intention is to get out of the terms of a contract knowingly...

    1.deceit, trickery, sharp practice, or breach of confidence, perpetrated for profit or to gain some unfair or dishonest advantage.
     
  5. Rambler

    Rambler Icon

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    Nov 9, 2006
    The whole point of my posting this thread was to make people aware that you can't go by what CSRs tell you.

    My commitment was to pay back D* whatever they were due, and I have no issue with that. My issue was that I was told I'd be receiving a "final bill" that never happened. Yes, I may have been a bit naive by believing what I was told. But if I had been told that the final amount due would be coming out of my CC on file (which is an old bank account of mine) and I would not be receiving a final bill, then I would've made sure I had funds in the account to cover it, and I would have never had this issue.

    Huh, what? Stealing hardware? :confused: I think you're going way past what the issue really is here. :nono2:

    This almost covers what D* did to me. :rolleyes:
     
  6. FaderMD

    FaderMD AllStar

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    I had a similar experience with a cell phone company when i was younger, and learned my lesson the hard way. I don't blindly sign anything (including directv lease agreements/work orders) without reading them. As bad as it sounds, random Joe vs Huge Corporation typically won't work out in Joe's favor if he signed a contract stating he agreed to terms/agreements.

    Honestly, everyone should know what they're getting into.

    Yeah, it'd be frustrating to go through that, so i definitely agree with you, misinformation never helps anyone. If everyone was told the truth the 1st time, it'd make a whole lot of things easier.
     
  7. brucegrr

    brucegrr Icon

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    Sep 14, 2006
    Ney, Ohio
    Yes we all agreed to let Directv take their final charges from our credit card. However.........I doubt that many of us agreed to let Directv take whatever they want (and these forums have many accounts of over charges)

    Canceling the credit card MAY be a good idea so that there are no no surprise final charges. Let everything sift out...........get a final bill and pay it. (like many utility companies do)

    I know of several instances where a CSR said your final charges will be___________and the charges ended up hundreds of dollars more.

    Bruce
     
  8. brucegrr

    brucegrr Icon

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    Sep 14, 2006
    Ney, Ohio
    Old Phantom,

    and when a CSR, purposely or out of ignorance:

    1.deceit, trickery, sharp practice, or breach of confidence, perpetrated for profit or to gain some unfair or dishonest advantage.

    What is the recourse?

    Some Directv customers, having dealt with Directv's customer service enough times............have no confidence that what they are being told is the truth. How do we then hold Directv responsible for what their CSR's do in the company's name?

    By your moral/ethical/personal standard should not Directv honor EVERY commitment their CSR's make (regardless if it is correct) The customer IN GOOD FAITH acted on what the CSR said. The customer IN GOOD FAITH expected a final bill, etc.

    It seems in discussions like this...........breach of contract, etc only flows one way...........the consumer is just supposed to take it. The same could be said for internet service, cell phones, etc.

    It is incidents like this that make it very difficult to believe anything a CSR says.

    Bruce
     
  9. Movieman

    Movieman Hall Of Fame

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    Rambler, I do wish you the best out of this situation and hope that the next company you use makes you a believer. Its unfortunate that you went through this as this is why I left the other carriers I was with. I have to say I would have like to see them do more than just say goodbye the hard way but its not a limit to Directv. I have had this happen with other services. (so far none with Directv).

    I do hope that one day they make this right and win you back as I think that price doesn't always supersede service.
     
  10. oldfantom

    oldfantom Icon

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    Mar 13, 2006

    I did say something to the effect that ignorance of the rule on the consumers part is something I understand. I also think that ignorance and "perpetrated for profit or to gain some unfair or dishonest advantage" are mutually exclusive in the definition. So I will give the benefit of the doubt when there are ignorant CSR's. But as a long time lurker, part time poster, I recall a lot of threads that start "D* did me wrong" progress to "Well there might have been some misunderstanding on both counts, but D* was wrong" then maybe go to "Send an email to Ellen the VP" then end with "I got satisfaction". A whole lot more that start "if you say you are going to cancel, you get SF for free."

    My comments where not so much directed to the OP. He got bad information. I am betting it was a mistake. I would suggest he send a letter to D*. If nothing else, the CSR's should know better. But I will bet you the CSR did not give him bad info on purpose. I would be willing to bet real dollars that the cancellation of his contract lead a computer billing system to automatically charge the card.

    On the other hand if you know you have a final bill coming which will be charge to your card - again, not directed at the OP, he did not know - and you choose to try and cancel a card to avoid the charge, is that not different than a CSR making a mistake or a computer following the contract?

    Lost in the whole discussion, I believe you will find it won't work anyway. You authorized the charge prior to your cancellation. Canceling a card does not excuse you from any charges you authorized. No more than closing a bank account before your checks clear.
     
  11. Shades228

    Shades228 DaBears

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    The CC is charged before the bill goes out so that you won't accidentally over pay. If the CC cannot be charged you will see final charges. If it has then the bill being sent will show that payment. I would expect a bill about 3-5 days after the CC charges.
     
  12. dodge boy

    dodge boy R.I.P. Chris Henry

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    My credit card on file with them has expired 3 years ago and was never renewed......
     
  13. FaderMD

    FaderMD AllStar

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    After talking to my Uncle about his experience after he cancelled DTV, it would appear Shades228 is correct. You should get a statement in a few days.
     
  14. harsh

    harsh Beware the Attack Basset

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    Most credit cards renew automatically until you close the account. DIRECTV will still be able to ding your account until the account is closed.

    No, it doesn't matter if you don't activate the card. They charge your account, not the plastic thingy that represents your account.
     
  15. brucegrr

    brucegrr Icon

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    Ney, Ohio
    If a card expires it means it is no longer valid. To make a charge on a card requires at least a credit card number and an expiry date. ( and often a correct address/phone #, etc)

    At our bank, when a card is canceled or expired NO further charges are accepted on the account, regardless of their origination.
     
  16. TBlazer07

    TBlazer07 Grumpy Grampy

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    A DATE expired card will still work quite a bit of the time if you have renewed the card and they have not changed your card number and you are not doing a swipe transaction. A CANCELLED card is dead. I have at least 3 accounts I am aware of that have an expired dates (not cancelled) card info on file and it still goes through with no problem. Cancelled card can't be used but date expired can.

     
  17. narrod

    narrod Godfather

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    Jul 26, 2007
    You went with AT&T's U-verse? Don't expect Verizon's FIOS. They don't serve the same areas.
     
  18. BKC

    BKC Icon

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    Dec 12, 2007
    Dude! How's the view up there from that high horse you're on. :nono2:
     
  19. dodge boy

    dodge boy R.I.P. Chris Henry

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    When I got the new card I called and canceled the account... Seemed kinda wierd to me to have 5 accounts with no balance on them.

    That reminds me I have one from my bank, The teller every 6 months says" I see you have no credit card with us" Rather than tell hr 100xs I don't need one I sign the form an get one only to close it when it arives....
     
  20. oldfantom

    oldfantom Icon

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    Mar 13, 2006
    EDIT - My last reply served no real purpose, I think I will just walk away from this discussion.
     

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