(the actual evil phone I used)
yesterday I had to run an errand for my Aunt. I left home quickly and half awake (it was 7AM) forgetting to take my cell from the charger. I was supposed to call her when I got to a certain place and she would meet me. There is no auto access to where she was working.
Arriving on time I reached for my cell and then discovered what had happened. The only possible way to contact her was the payphone in front of my car. Nobody uses these things so much anymore, and wouldn't you guess I had no change. So then I noticed that I could charge the call to my visa. Reading the fine print I found out that after a $1.50 fee the call would cost $.10 a minute.
The call would only take a second, and given I had little choice anyway, I picked up the receiver, dialed the number, an operator came on and took my info, and within half a minute I was speaking to my Aunt and she was on her way. It was just that simple, or so I believed yesterday.
I mentioned yesterday I am very tightly budgeted. I had $14.00 in my Checking Account to which the Visa/Debit card is attached, this should more than have covered the $1.70 I understood would be billed as a result of my perhaps minute and a half call.
This appeared on my online Checking Account Summary today:
CHECKCARD 11/11 ILD TELESERVICES OAKLAND PARK FL $5.00 CHECKCARD 11/12 ILD TELESERVICES SAN ANTONIO TX $19.17 ---
For a grand total of: $24.17
I had a balance before this of $14.06 therefore my account went negative and it is my understanding that Bank of America will access me an overdraft fee of $35.00 in the morning. I called the Bank and they told me should these charges be refunded by the vendor, the overdraft fee would as well. I sort of felt better until I started looking into this company called TELESERVICES.
The $5.00 charge is the "Access" Fee
The $19.17 is the actual cost of the call, based on two minutes at $9.58 per minute.
So, essentially this 90 second call has cost me