My wife and I have had a series of family deaths and illnesses, and I simply wasn't watching carefully, until I looked at my statements one day and saw a charge from Sprint. I started tracing it back, and found that they had been charging me for 18 months. I have never done business with Sprint. (It was a bank transfer, not a credit card.) They had made no effort to verify whether it was actually us making such a charge; in fact, they hadn't even matched the name on the account to the name on the check. Turns out Sprint knows this happens all the time, and doesn't care: they make money on it, and they're only liable for two months if it's found out. They say it's not their problem, but mine. I agree I should have been watching my account (lots of family difficulties, as I said) but is there really no effort to verify a person's method of payment?
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