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When I went to download it, I hit this screen.įortunately, that information was in Citibank’s account, so it was a crisis averted. Then I got busy and forgot for a few months. I was diligent and had my PDFs from every month. That incident should have taught me to make PDFs of my account statements, but it didn’t.Īfter Costco switched from American Express to Citibank, I got burned by paperless billing again. Fortunately, everything was in Quickbooks, and I had our internal receipts to recreate everything. I also had nothing to present to my accountant for end-of-year taxes. The best the processing company would do is tell me over the phone. I hadn’t reconciled for a few days and was locked out of my information. I lost access to all my previous deposit slips.
I’m not sure why, but I think it had something to do with the security freeze I put on my credit. One day they randomly decided to close my account. That company didn’t provide the option for physical statements. I’ll start off with the credit card processing for my business. My Horrible Experiences With Paperless Billing
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I can use Spotlight on my Mac to find them, but that isn’t always the case. Most of the statements I download have generic names like “statement_03_05_16” or something else cryptic. The physical bills and statements though will keep coming, and anyone can open those.Įven if you’re diligent and keep PDFs of all your bills, they might be hard to find. If we take that scenario of a family member passing away, it might take weeks to get into their email. You’re more likely to have an email hacked or intercepted than anyone goes into your postal mail. The vendors point out that physical mail is a risk.
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If you lose access to your email due to a hacker or a password breach, you’re missing out on those electronic bills. When account data is all electronic, it’s subject to all the risks of computers and emails. If a consumer passes away, that permanent record helps family members find missing accounts. If you’re audited, you’ve got paper copies of everything. If they make an error, you’ve got proof you paid the bill. When there’s a dispute, you have a timed snapshot. This feature helps family members of older consumers track bills.įinally, the NCLC points out that paper is a permanent record of your account. The clutter and handling or paper is a feature, not a bug. You might post it in the fridge or delegate it to your spouse or accountant. When you get that paper, it has a due date you need to take care of. If a thief were testing your credit card, would you always be able to see that small charge? That “convenience” causes you to miss errors that cost you money. If your bills are on auto-pay, you don’t have much reason to read your statements. More likely, you’ll figure “looks good” and move on to the next email. If your paperless bill is just a pdf, you’ll either need extraordinary vision or steady hands to pinch and zoom each charge. Speaking of small, as more people check email on mobile, those statements are harder to read. If you’re not careful to opt-out of marketing messages, neither you nor your spam filter might be able to tell the difference. On first glance, you can’t tell if that’s a bill or promotion in the email. Some of the reasons are obvious like access to broadband and technical savvy of older consumers.Įven the tech-savvy need to be wary of paperless billing. The National Consumer Law Center (NCLC) analyzed paperless billing and found the concept not consumer-friendly. I guess paper is really expensive for them. My bank now charges a $2.00 fee if I want a statement each month. The harder sell is that I can’t download the financial data to services like Mint or Quicken unless I go paperless. A few places offered me statement credits or gift cards. AT&T recently told me I could get Plenty points for my bill, but only if I do paperless billing.
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They’ll enter me in a drawing for free products or services. The Soft Sell and the Hard Sell To Make You Switch I recycle everything, and I hate junk mail. I also respect the environmental aspects of electronic statements. I know I have to file that stuff every month. They could get account numbers and use them in a targeted social engineering scam. A thief could steal information from your mailbox and cause problems. All these benefits have some truth to them.
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