Gcredit 151 na utang Hello guys. Sobrang taas kasi ng penaalty na pinataw sakin ni Gcredit, napabayaan ko na din ilang buwan kasi nalimutan ko na meron pala akong existing na na-utang don i think mula sa pagloload lang. Nung binuksan ko, 1500 ung penalty pero yung utang ko is 151 lang huhu. Feeling ko sobra naman yung penalty at nagcontact ako sa customer service ni gcash at email ng collection pero wala reply sa email at sa help center is wala silang nagagawa. Parang ayoko bayaran dahil feeling ko excessive naman. Total is 1651 lahat from 151 na utang. I know na fault ko na hindi lagi nagchecheck ng accounts ko pero balak ko naman sana bayaran pero hindi sana ganiyan kalaking penalty na 10x sa loan ko. I did research and saw BSP Circular No. 1133, series of 2021 which is "A total cost cap of 100 percent of total amount borrowed (applying to all interest, other fees and charges, and penalties) regardless of time the loan has been outstanding." valid po ba ito kay gcredit? Should that mean na 151 lang din dapat ang max fee (penalties, service charge and interest) na babayaran ko with my loan totalling to 302 pesos max?

I filed my taxes through TaxAct and last night I received an email from their reviewer (a very generic "we need more time to look at this" email) - After I received this, I started receiving emails from other personal Gmail accounts to TaxAct with my email CC'd - one of them actually greeted me directly, as though I were the TaxAct representative. I'm not sure how this happened, because when I look at the original message it appears to be addressed only to me. The only thing I can even think of is that perhaps these other people were BCC'd on the email addressed to me? Because they for sure have my email copied in their replies. This seems like a huge breach of data privacy as I now have full names and email addresses of their clients, and they have mine. I tried calling their customer support this morning and the rep I spoke with didn't seem to understand why I was upset - and when I asked to speak to a supervisor I kind of got placated and passed around with a "they'll call you". I'm not sure if this truly breaches any kind of data privacy law or how I even begin to handle it. Location: California

A few weeks ago, I received the invoice for a medical visit that took place in November 2024. The invoice mentions two items: the visit to the doctor and a "facility charge." The first one is fully covered by BCBS except for a $40 copay, while the other is only partially covered, requiring a payment of $210, after the deductible. The code for the second item is **99204, "HC Office Visit New, Level 4.**" According to various accredited bodies including the **American Medical Association:** 'Office or other outpatient visit for the evaluation and management of a new patient, which requires a medically appropriate history and/or examination and moderate level of medical decision making. When using time for code selection, 45-59 minutes of total time is spent on the date of the encounter.' None of this applies to the actual visit: the entire visit lasted under 10 minutes, and no special machinery or tools were used. The diagnosis was visually evaluated. In other words, it seems that the level of service was intentionally overstated. I only have proofs that the visit lasted within 10 minutes, but no proof of what happened inside because obviously recording is not allowed. I first tried contacting the billing office by email, but they only told me to speak with a representative. I called and asked for an explanation, but they just forwarded everything to the Team Lead, from whom I still haven't received any updates. Meanwhile, this morning, I received a message from Nationwide, a collector agency, as an attempt to collect the debt. What do you suggest I do? * Pay the charge to the collection agency and move on? If so, won't it affect my credit score? If I understand correctly, under $500 it shouldn't. Fortunately, I don't have money problems, it's the principle that bothers me. The health system is essentially a mafia, they can do whatever they want to and nobody cares. * File a complaint with the Office of the Illinois Attorney General? I live in IL. * Something else?"

1. In October 2024,I bought a I Phone 16 max pro from T Mobile store for some other person as he didn’t have address documents and mail ID. I gave my documents for mailing address, mail ID and alternate contact number at T-Mobile store. 2. T- Mobile sold the I phone with a sim and monthly plan of $95. The other person didn’t pay $95 for the recharge after October. He kept using the phone on his home WiFi as the sim was active but with no service. 3. In March 2025 a 3rd party, not T- Mobile sends me an outstanding bill of $588.33 on the T-Mobile plan I took in October. 4. Now my issue is why didn’t T-Mobile inform me through my address Mail or my mail ID or through the alternate contact number that my plan was not being recharged and I am collecting an outstanding. Why a third party is sending a mail on my address to collect outstanding dues on T-Mobile plan. In between I was getting call from the 3rd party that I have an outstanding, I went to the T-Mobile store and asked should I entertain such calls they said it is spam, do not entertain these calls. 5. How should I go about clearing this Issue can anybody advise me on the steps to be taken. It’s concerning as $588.33 is not a small amount.Thank you all.

I got a MRI done two weeks ago. When I scheduled the appointment the staff told me they didn’t know the amount to be billed since my insurance is a high yield deductible and no copay. They mentioned that if I want to pay out of pocket without using my insurance it would be $500. Fast forward I received a processed claim from Aetna saying that I need to pay $920 and that the X-ray company billed them $1,200. Is there any way to reverse this? I feel scammed by both the X-ray company and Aetna. Can I fight back a processed claim?

I was paying my mortgage online, noticed that mortgage paid my hazard insurance at $4860, when I was paying like $2800 prior year, called agent and asked Wtf, 10 days later he got it to 3800/yr, cars at Geico because best rate, Went to GEICO for homeowners and bundled with my car insurance now $2,680. Also GEICO takes 10minutes to get a quote.

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

I emailed Geico to cancel my auto insurance policy on Wednesday and sent them proof that the car was disposed of. I asked for a prorated refund backdated to the date of disposal. I haven't received any email confirmation or anything as of Sunday. I can’t do this online because they don’t allow backdating online. How long should I wait before calling?

I’ve been paying 436 a month for a 22 Honda for the last few years, which I haven’t been able to afford, but always managed to pay on time with autopay. I’ve never had a missed bill. My last payment was on February 28th. It came out of my account, and put me deeply in the negative, and then got returned because I had insufficient funds, which has never happened before when bills put me in the negative. I switched over from Liberty Mutual to Geico after that and am only paying 159 a month now. Geico sent Liberty a letter declaring cancellation and demanding returned funds for the rest of my coverage this month that I’m not using- bill was on the 28th, canceled on the 6th of this month I believe. I called Liberty to double check, they claimed they never got the letter, refused to refund anything, set another date to pull that 436 from my account since it got returned previously, and charged me 90 something dollars on top of that, due the 22nd of this month, but didn’t tell me what that added fee was for. I went to my bank and told them to halt autopay for Liberty after that 436 bill, since I do technically owe that outside of any returned funds. They messed up and halted ALL autopay, so the 436 won’t come out, which I didn’t mean to do. The app now, since I’m no longer a customer, will not allow me to manually pay it. Is there any legal or credit ramification for unpaid bills post cancellation?

Not sure if I tagged this right, but basically I was covered by a MA ConnectorCare (CC) plan until January 31st of this year, and now I am covered by my employer's BCBS plan as of February 1st. I received my first Gardasil shot on January 31st, the last day my CC plan was active, but my doctor billed BCBS (I added it for my second shot on Feb 28th) and now I'm getting a $700 bill for the office visit and the shot because that coverage wasn't active yet. Is it possible to tell their billing department they need to retroactively bill the CC plan as that's what I was covered by on the date of service? I actually work at the office where I got my shots, and I have a pretty good idea of what my plan will cover with or without a copay, and this is not correct.