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A New Obamacare Wrinkle. You Can Not Cancel Auto-pay.
Self ^ | 1/13/2014 | Gen.Blather

Posted on 01/13/2014 2:54:38 AM PST by Gen.Blather

A friend was notified that the health plan she’d been with for over twenty years, Capital Health Plan, was cancelled due to not meeting the Obamacare requirements. So she bought a Blue Cross Blue Shield policy off the exchange and paid for the first month using auto-deduction from her checking account. When she was notified she could keep her old plan for another year she decided that’s what she wanted. She renewed her Capital Health Plan then called Blue Cross and asked them to cancel her new Obamacare policy. They told her they could stop her coverage but could not stop the automatic deduction from her checking account. She would have to do that through the exchange. After spending seven hours on the phone (this woman runs a couple of businesses and works seven days a week) she was told there was no way to stop the deductions from her account. She said, “Everyone was extremely pleasant and helpful but all concluded it couldn’t be done.”

Today she’s closing her checking account. For added security, given the thinking behind Obamacare, she’s moving her account to a different bank.


TOPICS: Extended News; FReeper Editorial; News/Current Events
KEYWORDS: abortion; aca; deathpanels; obamacare; zerocare
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I’m putting this in news as I haven’t read about the problem anywhere. Mods, move it if you don’t think that’s appropriate.
1 posted on 01/13/2014 2:54:39 AM PST by Gen.Blather
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To: Gen.Blather

Another benefit of Obama care! When will the pleasant surprises ever stop!


2 posted on 01/13/2014 2:59:57 AM PST by saganite (What happens to taglines? Is there a termination date?)
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To: Gen.Blather

You can always cancel or change your bank account or credit card. I don’t believe they can tax your paycheck yet but I’m sure that’s coming.


3 posted on 01/13/2014 3:00:19 AM PST by maddog55
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To: maddog55

“I don’t believe they can tax your paycheck yet but I’m sure that’s coming.”

I didn’t put this in the post because I couldn’t find the link. As originally written the ACA penalties were to be automatically taken from any account you owned by the IRS. But that didn’t make it into the final bill. In the present version of the “settled law” they have to take the penalties from your tax refund...if any. My understanding is they have no other collection means.


4 posted on 01/13/2014 3:02:52 AM PST by Gen.Blather
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To: Gen.Blather
Looks like ACTIVISM to me!

When I started drawing social security I had them send a check every month. One day I got a cal from my SIL who worked at the bank. A transfer had been kicked back because it was sent to an account I had closed. I called SS and was informed that I had signed up for direct deposit. I told the lady I had done no such thing, someone at SS had signed the form. They make up rules on the spot and don't care about any damage.

5 posted on 01/13/2014 3:05:44 AM PST by SWAMPSNIPER (The Second Amendment, a Matter of Fact, Not a Matter of Opinion)
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To: Gen.Blather

The woman runs a couple of businesses and is not smart enough to close out her bank account and open another one. She spent 7 hours in the effort!?


6 posted on 01/13/2014 3:07:18 AM PST by gunsequalfreedom (Conservative is not a label of convenience. It is a guide to your actions.)
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To: Gen.Blather

This doesn’t sound correct. I think there are some details missing.


7 posted on 01/13/2014 3:08:46 AM PST by Vermont Lt (If you want to keep your dignity, you can keep it. Period........ Just kidding, you can't keep it.)
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To: Gen.Blather

It’s as if she’d been a victim of a vampire.


8 posted on 01/13/2014 3:10:07 AM PST by clearcarbon
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To: gunsequalfreedom
Running a business requires a modicum of detail expertise and I would think her first thought was to correct a wrong or righten a glitch.

Once you start on that path, any stumbling block becomes a challenge, and no challenge is left without confronting it at least once.

It just may have been a series of ... "No ma'am, but if you call 555-1234, THEY'LL fix it"

It's what WE do on the internet occasionally ... chase rabbits.

9 posted on 01/13/2014 3:14:54 AM PST by knarf (I say things that are true .. I have no proof .. but they're true.)
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To: Gen.Blather

10 posted on 01/13/2014 3:16:39 AM PST by Zakeet (If socialists understood economics, they wouldn't be socialists - Friedrich Hayek)
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To: gunsequalfreedom

I guess if you had actually read the post you would see that she is doing exactly that.


11 posted on 01/13/2014 3:16:45 AM PST by saganite (What happens to taglines? Is there a termination date?)
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To: saganite

It’s comforting to hear the modern day robber barons are at least pleasant while the are taking your money. Heck, all we need to do now is get IRS agents to smile while they are reaching into your wallet, and the world will be right as rain.


12 posted on 01/13/2014 3:17:11 AM PST by corlorde (forWARD of the state)
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To: SWAMPSNIPER
Frighteningly ... if your SS# is the key ... it doesn't matter if you change banks ... IF the SS# is the key.

And why WOULDN'T it ?

zero has no respect for SS numbers.

13 posted on 01/13/2014 3:17:16 AM PST by knarf (I say things that are true .. I have no proof .. but they're true.)
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To: Gen.Blather

“Welcome to the hotel California.”


14 posted on 01/13/2014 3:18:15 AM PST by outofsalt (If history teaches us anything it's that history rarely teaches us anything.)
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To: gunsequalfreedom

It’s not easy to close a bank account because (presumably) there are other checks outstanding. Generally you have to wait until everything clears. I’m in the process of doing that with my business.

Even if you carefully leave just the amount of money in the account to cover outstanding checks, if the government takes another premium for your ACA first, the other checks will bounce.


15 posted on 01/13/2014 3:18:50 AM PST by afraidfortherepublic
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To: gunsequalfreedom

>> She spent 7 hours in the effort!?

Are you seriously mocking her for the time it takes to deal with this crap?


16 posted on 01/13/2014 3:19:33 AM PST by Gene Eric (Don't be a statist!)
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To: SWAMPSNIPER

I was living in Slovakia when I first signed up for SS. My rep was out of the US embassy in Warsaw, Poland. He was outstanding, and I had no problems. I first received checks, as my Slovak bank did not handle SS. I think the checks must have come from the embassy in Slovakia, as the envelopes were spotless with no sign of ever being in the mail. I later opened an account with a bank that accepted direct deposit.
When I moved to the Philippines, I signed up online for direct deposit to my bank here in the Philippines. It comes like clockwork just after midnight on the 4th of each month. I check it via my online banking.
The American Embassy here has a very large staff of gals who could not be any better, or more helpful.


17 posted on 01/13/2014 3:20:06 AM PST by AlexW
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To: SWAMPSNIPER

“I called SS and was informed that I had signed up for direct deposit. I told the lady I had done no such thing, someone at SS had signed the form.”

That is scary. I have direct deposit of my paycheck, but refuse to set up automatic debits on the account; I’ll pay the bills when I’m ready (I pay on time, and have great credit), but I’m afraid some unforeseen issue would overdraw it.


18 posted on 01/13/2014 3:21:07 AM PST by kearnyirish2 (Affirmative action is economic war against white males (and therefore white families).)
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To: clearcarbon

Like signing up for the “coupon plus discount service free trial offer” and then you can’t cancel. And when you start investigating more you see that the local tv channel has done a story on them, and they get a “F” rating by the Better Business Bureau. Doubt we’ll see that with obamacare.

Like the Hotel California or the Roach Motel “You can check in but never leave”.

FUBO


19 posted on 01/13/2014 3:21:24 AM PST by 21twelve (http://www.freerepublic.com/focus/f-news/2185147/posts 2013 is 1933 REBORN)
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To: gunsequalfreedom

“She spent 7 hours in the effort!?”

I can’t answer fro her, but from years of experience I can tell you she does everything the right way. I suspect that she’s found that’s the best way to not get zinged. So, in her life every “I” is dotted and every “t” crossed.

If I was to close an account I’d make certain that every auto-deduction was properly transferred first as there’s really no telling what the bank will do with them if you don’t and secondly not wanting to transfer all the other auto-deductions. Since she can’t cancel this one she has reluctantly decided to change banks as well, to prevent her bank from simply moving the auto-deduction from one account to another. That is why I suspect she persevered as long as she did; not wanting to change banks and having to change all the other auto-deductions.


20 posted on 01/13/2014 3:22:58 AM PST by Gen.Blather
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To: outofsalt

““Welcome to the hotel California.””

That’s clever. You can check out but you can never leave.


21 posted on 01/13/2014 3:23:38 AM PST by Gen.Blather
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To: Gen.Blather

-— After spending seven hours on the phone -—

To the surprise of no one here.

But won’t the moonbats be surprised.


22 posted on 01/13/2014 3:29:03 AM PST by St_Thomas_Aquinas ( Isaiah 22:22, Matthew 16:19, Revelation 3:7)
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To: Gene Eric

I’m mocking her for not finding a solution that took less than 7 hours to get the desired result.


23 posted on 01/13/2014 3:36:45 AM PST by gunsequalfreedom (Conservative is not a label of convenience. It is a guide to your actions.)
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To: Gen.Blather

Completely close that checking account and any other savings instrument with that bank and move it all to another one.


24 posted on 01/13/2014 3:40:35 AM PST by Gaffer
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To: knarf

Running a business is not about taking too long to solve a problem.


25 posted on 01/13/2014 3:40:42 AM PST by gunsequalfreedom (Conservative is not a label of convenience. It is a guide to your actions.)
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To: Gen.Blather

They just haven’t coded that part of the program yet.


26 posted on 01/13/2014 3:43:13 AM PST by informavoracious (Root for Obamacare and healthcare.gov failure!)
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To: saganite

I did not need to read past the part where she spent 7 hours working the problem to see she would never work for me. It is not just the time she spent on it, think of all else that did not get done while she was spending way too much time on this issue.


27 posted on 01/13/2014 3:46:54 AM PST by gunsequalfreedom (Conservative is not a label of convenience. It is a guide to your actions.)
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To: informavoracious

“They just haven’t coded that part of the program yet.”

I suspect she could have easily moved the auto pay from one plan to another. But the “concept” of not paying or leaving the program wasn’t part of the designer’s thinking. What happens when somebody dies? Will Obamacare continue to auto-deduct until the bank freezes the account? Will Obamacare be exempted from the mandatory dead-account freeze? Who knows.

When you design something you game these situations. Some companies have had children come in and play with their new equipment because the engineers would never think of flipping the switches that would run power directly to ground, but some grunt in the field almost certainly will.


28 posted on 01/13/2014 3:47:39 AM PST by Gen.Blather
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To: gunsequalfreedom

And if you had read the post with any comprehension you would also have noted that she runs her own business and therefore would never work for you anyway. But don’t let ignorance of what you’re talking about stop you. Please proceed.


29 posted on 01/13/2014 3:51:15 AM PST by saganite (What happens to taglines? Is there a termination date?)
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To: gunsequalfreedom
Not gonn'a get into a pissing match, but in today's business climate, a lot of CYA demands KNOWING what's what ... and you need to talk to a lot of people in order to know.

It doesn't matter to me, I get SS direct deposit and I am, for all practical purposes, a nobody

It pains me to realize, I'm old enough to be almost dead and I'm out'a here ... and THAT is not what the American Dream purported nor promised.

I see very few "You can live here in sunny where-ever" commercials any more ... they're all financial services so you can ride your bike.

30 posted on 01/13/2014 3:57:51 AM PST by knarf (I say things that are true .. I have no proof .. but they're true.)
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To: Gen.Blather
Given the appalling absence of security in every aspect of this Obamacare scheme and the dubious character of those hired to administer it, I would not use automatic deduction. Who knows who could steal from your account or steal your identity altogether? Very wise to close the checking account.
31 posted on 01/13/2014 3:58:56 AM PST by fatnotlazy
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To: Gen.Blather
A New Obamacare Wrinkle. You Can Not Cancel Auto-pay.

I found out the hard way that the only way to "cancel" auto pay is to close your bank account and open a new one.

Caution ladies, it involved the health/gym, whatever it is, "Curves".

Now, no one gets my routing number for auto pay - no one.

32 posted on 01/13/2014 4:01:41 AM PST by Graybeard58 (_.. ._. .. _. _._ __ ___ ._. . ___ ..._ ._ ._.. _ .. _. .)
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To: Gen.Blather

Typical obama flustercluck.


33 posted on 01/13/2014 4:10:27 AM PST by LibLieSlayer (FROM MY COLD, DEAD HANDS! BETTER DEAD THAN RED!)
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To: Graybeard58

“Caution ladies, it involved the health/gym, whatever it is, “Curves”.”

I was able to stop the YMCA auto-deduct, once when I took a 10 month assignment and again when I finally joined a closer Gold’s. So, it can be done. But apparently only reputable companies will do it.

BTW, I’ve been on auto-pay for Free Republic for several years. I decided that even when I’m out of work that $15/month is okay for entertainment as I don’t smoke, drink, own a TV, or go to movies. (Fluck Hollywood!)


34 posted on 01/13/2014 4:17:55 AM PST by Gen.Blather
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To: Gen.Blather

“If you like your bank you can keep it”


35 posted on 01/13/2014 4:19:52 AM PST by kidd
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To: gunsequalfreedom
The woman runs a couple of businesses and is not smart enough to close out her bank account and open another one. She spent 7 hours in the effort!?

Posting without reading for 3 years!!!

36 posted on 01/13/2014 4:28:18 AM PST by LowOiL ("Abomination" sure sounds like "ObamaNation" to me.)
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To: maddog55
I don’t believe they can tax your paycheck yet but I’m sure that’s coming.

They've been doing it ever since 1943. It's called "withholding."

http://www.taxhistory.com/1943.html

http://en.wikipedia.org/wiki/Current_Tax_Payment_Act_of_1943

37 posted on 01/13/2014 4:28:56 AM PST by abb
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To: Gen.Blather

So when the IRS puts a lien against her property for lack of payment I’m certain they’ll be helpful & kind as well.</s>


38 posted on 01/13/2014 4:38:13 AM PST by Pietro
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To: Gen.Blather

Hotel California:
“You can check out any time you like
But you can never leave...”

Hmmm... just like Facebook.


39 posted on 01/13/2014 4:43:15 AM PST by upchuck (My Internet addiction is so bad... it's alt of ctrl.)
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To: Gen.Blather

I never gave my banking info up to one of those auto-pay functions for that reason.

Isn’t it possible to stop it from the bank side?


40 posted on 01/13/2014 4:54:15 AM PST by sickoflibs (Obama : 'If you like your Doctor you can keep him, PERIOD! Don't believe the GOPs warnings')
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To: Gen.Blather

Sure she’s not getting this confused with XM/Sirius radio?


41 posted on 01/13/2014 4:57:33 AM PST by randita
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To: sickoflibs

“Isn’t it possible to stop it from the bank side?”

I have no idea. Anybody know?


42 posted on 01/13/2014 4:58:03 AM PST by Gen.Blather
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To: gunsequalfreedom

Why go to the hassle of having to close an re-open an account when every other business has an OBLIGATION to stop pulling from your account when you notify them?


43 posted on 01/13/2014 5:01:43 AM PST by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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To: Gen.Blather

Because they have her personal information, they will run it to see if she’s opened any new accounts. Then they will track down her new bank account, take out missed payments and fine her for closing her original account.


44 posted on 01/13/2014 5:04:20 AM PST by FrdmLvr ("WE ARE ALL OSAMA, 0BAMA!" al-Qaeda terrorists who breached the American compound in Benghazi)
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To: Gen.Blather

Sadly, she is in for a real big surprise. When you have authorized auto-deduct closing your account won’t stop the deductions. Auto-deduct will force the account to reopen and she will incur overdraft charges in addition to paying for an 0bamacare policy she doesn’t want or need.

The consumer has no power to stop the once authorized deductions.


45 posted on 01/13/2014 5:04:23 AM PST by EBH ( The Day of the Patriot has arrived.)
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To: Gen.Blather

Many years back I remember someone I knew set-up the monthly auto-deductions from checking for a Bally’s health and fitness, and had trouble getting them to stop doing it.

The better route is the banks electronic bill pay system where the customer controls all the transactions from their computers.

I also have one credit card just for periodic monthly billing transactions.

But I am not giving out my bank account info.


46 posted on 01/13/2014 5:08:13 AM PST by sickoflibs (Obama : 'If you like your Doctor you can keep him, PERIOD! Don't believe the GOPs warnings')
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To: Gen.Blather

As of now, the IRS can only take money from your tax refund. So of course, the wise taxpayer will adjust their withholding to be slightly less than necessary to pay off the balance of their tax bill on April 15....no refund.

Of course, then the Senate will pass a bill, with the help of 6 RINOs, which will let the IRS garnish your wages, or if you are retired, take your scooter, in payment of your penalty.

What a pitiful flock of sheeple we have become.


47 posted on 01/13/2014 5:27:06 AM PST by txrefugee
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To: abb

Obamacare hasn’t implemented withholding “yet”.


48 posted on 01/13/2014 6:00:45 AM PST by maddog55
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To: Gen.Blather; sickoflibs

The bank will tell you that the business has to cancel the auto-pay, then they’ll thank you for calling and hang up.


49 posted on 01/13/2014 6:04:02 AM PST by jiggyboy (Ten percent of poll respondents are either lying or insane)
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To: maddog55

Seriously, what does it matter what the law actually states?

Obama’s been changing it at will and on a whim wherever the political winds are blowing.


50 posted on 01/13/2014 6:05:30 AM PST by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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