Midphase is really out of phase and out of touch
CHICAGO, ILLINOIS -- Yesterday I get a call informing me that I'm $170.00 overdrawn at my bank, and this is at a bank where I had closed out my accounts. Wait, it gets even stranger. I called the bank in question, TCF Financial and asked them what happened. Their reply and I quote: "since the account has not been closed for more than six months we honored the charge as a convenience to you." And then they hit me with an insufficient funds fee. Okay, I always knew that TCF was crooked and that's why I pulled my money out. The offending party here is Midphase Hosting in Chicago. That had billed my the annual $135.00 in web hosting fees, which all sounds Kosher except I'm not on the annual billing plan. I immediately called Midphase and asked them what had happened and they said that EVERYONE is on the annual plan unless you opt-out. I asked them if they could refund the charge and they said they didn't think so unless I was willing to switch the charge to another credit card. I told them I wasn't sure I wanted to continue doing business with them, they said; "we can't help you with the refund" - So, just to get it straight I asked the rep on the phone if I could get the charge refunded if I stayed with Midphase. He paused and said, "yep, I could swing that." On the one hand I could pay them or on the other hand I could pay them. I told him to go ahead and process the refund, he said, "wait, I need your new credit card to pay for your annual fee" I gave him a fake credit card number and while he was trying to run it through, I asked him if he could refund the charge and give me confimation, he did. I hung up the phone. I called TCF Bank and asked them if they would drop the insufficient funds seeing that my account was closed and their attempt to do me a favor was not appreciated. They said, no way. Today I find out Midphase is trying to reinstate the charge but TCF will not allow them because I have a negative balance! I owe TCF $35.00 because Midphase wrongly billed me an annual fee that I did not agree to and billed it to a closed account which was not quite closed.
Learn some lessons from my stupidity:
Get everything in writing. I already knew that but I got lazy and careless. I'm going to pay for that.
Read the fine print, it's a drag but that will save you the grief and petty larceny perpetrated by companies like Midphase Hosting.