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DaveSoCal
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Re: AutoPay Change Causes Us to Lose Phone Insurance Benefits
55 and older wrote: By forcing users to use bank data it also is a greater exposure to fraud if tmobile servers are hacked. With a credit card you have some consumer protections. This change by tmobile management looks like a money grab. Definitely not equable to their customers. I agree. Subscribers should sharethis concern on Twitter and Facebook tMobile channels. Consider low income customers for whom the monthly autopay discount is very important. This change is especially harmful to customers who may not have bank accounts/debit cards or have bank accounts with frequently low balances. A data breach exposing banking information to criminals would hit these customers especially hard. Even when fraudulent chargesare disputed, banks may continue to make checking account funds unavailable to customers for several days causing considerable hardship. When I asked a T-mobile "expert" in an overseascall center about data security, he replied that T-mobile had secure ways for customers to send bank account numbers to T-mobile. What?! If T-mobile doesn't evenunderstand the problem, how can customers entrust such sensitive personal data to them.7Visto6likes0ComentariosRe: Security of bank account information
T-mobile's move to condition future autopay discounts on the use of bank account numbers, debit cards, or T-mobile Money (their own bank) deserves strong customer pushback. Consider low income customers for whom the monthly autopay discount is very important. This change is especially harmful to customers who may not have bank accounts/debit cards or have bank accounts with frequently low balances. A data breach exposing banking information to criminals would hit these customers especially hard. Even when fraudulent chargesare disputed, banks may continue to make checking account funds unavailable to customers for several days causing considerable hardship. When I asked a T-mobile "expert" in an overseascall center about data security, he replied that T-mobile had secure ways for customers to send bank account numbers to T-mobile. What?! If T-mobile doesn't evenunderstand the problem, how can customers entrust such sensitive personal data to them. I'm currently looking for a new carrier after over 10 years of loyalty. I hope customers will push back hard against this latest change to autopay discounts.4Visto5likes0ComentariosRe: Security of bank account information
Absolutely agree that customers should not entrust their bank account numbers to t-mobile in order to quality for an "autopay discount." I think t-mobile is insane to put customers in this position. I am considering terminating my multi-line 10+ year relationship with t-mobile as soon as I shop for a replacement plan. I get $25 a month in autopay discounts. This is hardly worth putting my bank account at risk of any future t-mobile data breaches. I have a legacy rate plan which is "grandfathered" and was not supposed to change. It allowed autopay discounts when using credit cards. A t-mobile "expert" today tried to tell me that changing autopay to exclude promised discounts using credit cards was not a plan change. They said they just redefined autopay! I am astounded by such arrogance.6Visto4likes0ComentariosRe: what's up with T-mobile removing autopay discount for credit cards?
MellyBee wrote: In a chat conversation today with "Jivy": Me: Why is my credit card no longer eligible for the autopay discount? Jivy: To be honest with you that one of the reason why the credit card is not eligible for a Autopay discount is because when you use the debit card it will make sure that you have funds on your account and will avoid any back out payment that might cause you a draft fees. Me:Draft fees don't apply to credit cards, only debit cards. Jivy: We get your point. Also we want to continue to provide customer with the best value in wireless through our Autopay Discount program and the best way to keep this program is to get you to use either a bank account or debit card for autopay. I understand that you may still prefer to use your Credit card as a payment method, and I can help you work through your options. However, I strongly recommend that we switch you over to an eligible payment method so you can keep the discount. Is this something you'd like me to help you with ? Me: The best way for ME is to use my credit card, and especially since T-Mobile has suffered not one but MULTIPLE data breeches, two just this year! Tell me again why I should entrust my bank account information to T-Mobile? Jivy: I totally understand you on that. And as part of T-Mobile my apology for this kind of inconvenience. Our systems and policies prevented the most sensitive types of customer information from being accessed, and as a result, customer accounts and finances should not be put at risk by this event. If you prefer, you can still use your credit card to pay your bill, however it won't be eligible for the AutoPay discount. So basically, a fancy-worded "go f*** yourself" from T-Mobile. This chat with "Jivy" is great example of how TMO "experts" -- particularly the ones offshore -- have ZERO understanding of the security implications of this change. They offer silly scripted apologies but will never promise any restitution if something bad happens. The key point is that if your funds aremistakenly or fraudulently withdrawn from your bank account using a debit card or account number, the funds may remain unavailable for days or weeks. I just read about a couple who had their entire bank account drained while on vacation. They eventually got their money back but the vacation was ruined. Before going along with TMO's latest "autopay condition," ask your bank about your protections if TMO has (another?) data hack.2Visto4likes0ComentariosRe: what's up with T-mobile removing autopay discount for credit cards?
I texted 611 last night and politely explained that I did not want to entrust sensitive bank account data to TMo and, if they could not figure out a way for me to keep my autopay discount (I have had 5 lines for 12 years) I am preparing to port my numbers to ATT. I really thought they would send me directions on how to leave TMo. But I was wrong. They proposed an acceptable alternative to me. I'm not going to explain it here because it was a bit complicated. I think TMo management may be hearing the outcry from customers. Othersmay wish to contact 611 by text. Don't call them. You will need to start with a short clear statement of your concern to get past the bot agent and be queued to a real person. It will take several minutes. Hope this helps.3Visto3likes0ComentariosRe: what's up with T-mobile removing autopay discount for credit cards?
tomwil wrote: HankTheTexan wrote: If this was about credit card fees T-mobile would stop accepting credit cards all together.You can still use credit cards to pay your bill just not on auto pay. It appears you are confirming that you can no longeruse credit cards on autopay, discount or not. https://community.t-mobile.com/troubleshooting-38/no-more-auto-pay-discount-no-customer-service-contact-50218 I recently tried to update my auto-pay, and was unable to. Apparently, T-Mobile no longer takes credit cards and won't take my new card ... Just look at it as a poorly disguised price increase on your plan that wasn't supposed to change. If TMO just wanted to compensate for credit card fees, they could have simply let customers keep their autopay discounts and pay a small credit card convenience fee of 2 or 3 dollars. Lots of companies and state agencies do this. The "use your debit card or checking account number" ploy is inexcusable and full of risks.1Ver3likes0ComentariosRe: what's up with T-mobile removing autopay discount for credit cards?
syaoran wrote: That was announced months ago. It is because credit card companies charge a service charge that is based on the percentage of every transaction, which eats into T-Mobile's revenue. Removing the auto pay discount for credit cards negates that. You fail to see the very real risks to subscribers. Continuing the autopay using cc discount plus a simple credit card payment fee of 2.5% or a flat convenience fee of $3 would have been a much better idea. Consider the following: For lowincome customers for whom the monthly autopay discount is very important. This change is especially harmful to customers who may not have bank accounts/debit cards or have bank accounts with frequently low balances. A data breach exposing banking information to criminals would hit these customers especially hard. Even when fraudulent chargesare disputed, banks may continue to make checking account funds unavailable to customers for several days causing considerable hardship. When I asked a T-mobile "expert" in an overseascall center about data security, he replied that T-mobile had secure ways for customers to send bank account numbers to T-mobile. What?! If T-mobile doesn't evenunderstand the problem, how can customers entrust such sensitive personal data to them.1Ver1like0Comentarios