Mildly Infuriating

This this this.

Don’t interact with this message!

Go straight to T-Mobile.com. Check your account for any messages like this.

I haven’t heard of this at all for anyone, including myself. T-Mobile and Apple have a deal for Apple Card to be used for that 3 percent on service payments. Why would they randomly change it without warning or publication

It's legit. T-mo.co is their shortlink domain and 456 is the shortcode they send from.

Edit:

https://www.tmonews.com/2023/06/t-mobile-reminds-customers-of-autopay-changes-via-sms/

This isn’t a scam message. I received the same message a few days ago, different date due to billing cycle differences. This is the same thread that confirms my automatic payment has been received.

The change is real, there's a bunch of news articles about it. I still wouldn't click the link though and go to the website manually to change it

I would prefer that, unfortunately, it is real.

This is exactly why I am pissed about this. T-Mobile has been hacked over and over again, they can not be trusted with my bank info. In the time I've been a customer my data has been stolen at least 3 times. Giving them your actual bank info instead of a credit card is a terrible idea, they are not competent enough to keep it secure.

Eww yeah their whole data infrastructure is sketchy af. I used them in the past (just in time to make sure all my data was in their hands when it was breached) and doing simple billing changes were way more confusing than it should have been because their whole system is like a decade behind.

A big reason I use credit cards for payments is the protection I get when things go wrong. Charge up my card and I can dispute, charge up my bank account and I’m out that money until the bank resolves the issue.

I’ve had my identity stolen multiple times over the years, and have had to deal with fraudulent IRS tax returns and at least 5 attempts to take credit cards out in my name. One of the data breaches that impacted me was the federal government (search for the office of personnel management or OPM data breach for details) and that got me over 10 years, and potentially lifetime protection from a really good credit & identity monitoring company.

I will NEVER willingly hand out my banking or debit card info to third parties. If fraud occurs it’s much easier to deal with a credit car company, so I’d much rather pay that way than save a little time and/or money.

pretty sneaky sis

Oh shit that's a good idea

This is something the EU got right by limiting interchange fees to 0.5% rather than the 3%+ in the US. It stopped companies charging consumers extra for credit transactions and also stopped weird outcomes where airlines and hotel companies became more interested in their branded credit cards than in providing an actual service.

T-Mobile doesn't even let me setup auto pay. I'm a Sprint customer that got converted. Sprint app no longer works, T-Mobile doesn't recognize me.

I still get the removed but it makes me pay manually, using the short code from the phone app... And since I can't see it get into the account, can't pay off or buy my current phone.

Once I get time off near August I hope to deal with that. And after, may just switch to something like mint. Hardly use any data, text, or talk, just needed phone financing and insurance.

Credit cards charge the companies fees. Your $100 bill payment might only be $98 once it gets to them, because Visa/MC/etc took $2. But most importantly, it strips away any protection you have against incorrect charges. With a credit card on file, you can dispute charges, even demand a charge-back. But with a debit card or bank transfer? Your money is gone, too bad for you.

My guess is that they have lower processing fees with a debit card or bank transfer vs cc's.

It’s crazy, they were doing good. Then, past several months, garbage.

Who’d you switch to?

Yea, we were with sprint for like 20 years. Then they bought T-Mobile and wouldn’t give us shot for our phones. So we switched from paying &90 a month to $60 with new iPhones lol

My only concern is being even more locked into Google. I already feel like I have too many eggs in their basket and they are basically impossible to deal with if something goes wrong. I don't want to end up locked out of everything with no data and there's no customer support person I can call up to maybe sort things out with because Google is too cheap to pay for actual customer support staff.

My guess is to get better pricing at their bank for the ACH they're probably already using and reduce the CC network fees they're paying. Just a guess though.