I apologize if this comes off as a bit of a rant, but I dislike it when employees don’t read responses.
I am waiting to hear back from this nameless gaming company as a result of their ignoring my request several days ago to cancel a pending transaction. To avoid being sued by said nameless company, I am not revealing the name of the company. Let’s just say it’s a big company. I am hoping they timely return my money, but I have seen other companies take much longer to return it and some companies never do. It seems the company has not responded to my request from earlier today. It’s amazing how fast they responded to my requests on other issues that weren’t money-related, but in this case, they are dragging their heels.
In my request on April 24, 2019, I asked for them to cancel a subscription. I informed them I could not access the website to do it myself. They were nice enough to somewhat address the access issue by telling me there was nothing they could do, but didn’t indicate a response to my request to cancel the subscription. Imagine my surprise when I saw the charge today. It was billed on PayPal and I thought it was billed to my other bank account. Had that been the case, it wouldn’t be as big as an issue, but since it went through the other bank account, it became a big issue.
Of my two accounts, the normal main includes a debit card, but the other one doesn’t have one. I have to write checks. That’s a problem because the checks are out of state which means most places won’t take them. I need to see if I can find the checks as I don’t usually carry them with me. The second account doesn’t typically have much money in it as it’s an emergency back-up account. I dip into it as needed.
My natural gas bill was high this last month due to weather. This meant I spent more on it than I expected. This left the one account low enough I was not using it for anything. I didn’t realize that PayPal allows me to cancel the recurring charge or I would have. It’s cancelled now. I also set PayPal‘s default to the other account temporarily. In a test run, I did a very small order at my favorite food place. For some reason, PayPal took it from the account I didn’t want them to take it from. I had a feeling Paypal would do that. I am trying to come up with a workaround to the PayPal issue of charging the wrong account, but don’t want to risk testing it on the off-chance, the workaround doesn’t work.
I have transferred enough money from the one account to PayPal today that it shouldn’t be an issue once the PayPal payment processes in 3 – 5 business days, expected to process by May 1, 2019 at the latest. In the meantime, I find myself not trusting PayPal to use the other account. That’s a problem as I don’t have food at home or very much cash ($2 and some change) on me to cover getting food. I do have some friends who may be able to help a little bit until the transfer takes place.
In general, my direct deposit takes place on the 2nd of the month, but on rare occasions, it’s delayed a couple of days. At other times, it sometimes kicks in early near the end of the month instead of the first part of the next month.
The good news is that I often have short months where I find creative legal ways to stretch what little money I have left.