Early Termination Fees

—>The Federal Reserve has announced a new rule requiring overdraft fees on one-time debit card transactions and ATM withdrawals to be "opt-in." The new rule will take effect July 1, 2010. "The final overdraft rules represent an important step forward in consumer protection," said Federal Reserve Chairman Ben S. Bernanke in a prepared statement. "Both new and existing account holders will be able to make informed decisions about whether to sign up for an overdraft service."  More Â»

—>If you participate in an automatic savings program like Bank of America's Keep the Change service, where debit card purchases are rounded up and the difference is deposited into your savings account, keep an eye on maintenance fees. James says he was hit with a $5 charge last month because he hadn't met the minimum monthly deposit requirement of $25: "It turns out that I wasn't even accruing $5 worth of change per month, so I was losing more money due to the maintenance fee than I was saving via Keep the Change!"  More Â»

—>Reader Jeremy says that his attempts to be polite and have everything taken care of for someone who was doing his organization a big favor were made more difficult by a secret, unpublished "prepaid baggage fee" that American Airlines attempted to charge him.  More Â»

—>In a series of recent posts, WalletBlog has accused Bank of America of breaking the spirit of its "no new fees" promise and of potentially breaking the law next year, after it announced it will introduce annual fees on some existing credit card accounts in 2010.  More Â»

—>If you're a Citibank customer who has one of the bank's two smaller checking account plans—the ones where the monthly fee is waived as long as you use direct deposit or their online bill payment—then maybe it's time to consider taking your business elsewhere. Starting in February, anyone with an average balance of less than $1500 will be assessed a monthly $7.50 service fee, reports the New York Post.  More Â»

—>This morning, travel service Expedia announced it will abandon its book by phone fee, which it first implemented last May. This makes it the only major online travel agency to not ding customers with a fee for booking flights over the phone, notes consumer travel advocate Christopher Elliott.  More Â»

—>Are you looking to get a smartphone on the Verizon network anytime soon? Make sure that you like it before you sign a contract, since starting November 15th, Verizon will be imposing a higher early termination fee—up to $350—on contracts for "advanced" devices. That means smartphones.  More Â»

—>Here's the straight scoop on what's up with the story in that "Capital One: Waive Your Rights, Get $10 Off Your Next Overlimit Fee!" post.  More Â»

—>At Hilton Washington Dulles Airport hotel, everything is complimentary! That's because to them "complimentary" actually means "for a price." Last week, a linguistics professor tried to take advantage of their "Complimentary High-speed Internet access on the lobby level," which is how they describe the service on their website. He quickly discovered that he'd have to agree to a $9.99 charge in order to get the free service.  More Â»

—>Everett says Capital One called him up and made him an offer. If he opted out of at least one of the consumer credit protections enacted by the CARD act, Capital One would drop the overlimit fees from $39 to $29! Woo!  More Â»

—>Could extra fees for using a credit card to pay become the airline industry's hot new trend?  More Â»

—>Wachovia has a new financial product called Way2Save that automatically moves $1 from your checking account into a high interest personal savings account every time you make an electronic bill payment. Susan tried to maximize her contributions by making a lot of little bill payments, but Wachovia cut off access to her funds without notice and triggered an avalanche of penalty fees. Now she owes over $5,000 to her credit card companies, far more than she would likely have ever earned through Wachovia's complicated savings program, and of course Wachovia is denying any responsibility.  More Â»

—>If you want to spread some fiscally sound good cheer this year, consider asking your friends, relatives, and coworkers not to give gift cards backed by the major credit card companies. Why am I making such a sour suggestion? Because a new study from two consumer advocacy groups indicates that most of the population still doesn't recognize what a money trap those little plastic cards can be.  More Â»

—>Bank of America got so fee crazy last week that it applied a $10 overdraft fee to Christopher's account even though it wasn't overdrafted. I went back and forth with Christopher to try to figure out what BoA could have done to trigger this, but as you can see from the screen cap below, he only had two debits on the day of the event.  More Â»

—>The gym chain made famous on NBC's "Biggest Loser" is being sued for continuing to debit the bank accounts of customers who have canceled their memberships. The US Court of Appeals, Ninth Circuit, has given the green light to a class action lawsuit that says the chain is violating both the RICO Act and the Electronic Funds Transfer Act by keeping these zombie memberships active.  More Â»

—>Daniel's Providian/WaMu credit card was recently absorbed into Chase's swollen belly, and they welcomed him to their family by catching him in a technicality that cost him $39. Here's a good example of why you need to pay attention to statement cycles, even if your bank won't tell you to.  More Â»

—>Bank of America has announced that it plans on "testing" annual fees on some of its reward cards starting next year. The odds are good you won't see this—a BoA spokeswoman says it will only be tested on 1 percent of accounts globally—but who knows? Maybe the BoA Fairy will smack you down.  More Â»

—>When Wally first got his Capital One credit card, the interest rate was 12 percent. Then they raised it to 22.9 percent. Now they're going to raise it again—the day after Christmas—to 25.9 percent.  More Â»

—>This year it's a seller's market when it comes to buying airline tickets, reports the New York Times, so if you must travel via plane, buy early and try to be as flexible as possible.   More Â»

—>Since consumers didn't whine too much about the addition of $10 "just because" fees airlines imposed on busy travel days, they've added fees on more days. Goody for us!  More Â»

—>Legislation to create a Consumer Financial Protection Agency (CFPA) is making its way through Congress. Interested parties have spoken out ("It sucks!" "It's awesome!"). Now the White House wants to know what you think.  More Â»

—>Be very careful about activating any sort of over-the-counter prepaid debit card, reports the New York Times. They looked at a handful of prepaids currently on the market and discovered ridiculously high hidden fees—the first two months of use can cost you up to $80.  More Â»

—>Sometimes, your dad's advice doesn't apply anymore. Companies have realized that giving a damn is too expensive. That's when it's time to kick ass, Consumerist style. Craig writes:  More Â»

—>If you signed up for Frontier Communications' Price Protection Plan—a combo phone and broadband package—between January 2007 and September 2008, and you canceled the agreement and were charged an early termination fee (ETF), you may be getting some cash back.  More Â»

—>As a nation, we pay more each year in overdraft fees than we do for books, cereal, or fresh vegetables, says the Center for Responsible Lending (CRL)—and considering how outrageously expensive cereal is, they must be talking about a huge sum. They are: "Banks and credit unions collected nearly $24 billion in overdraft fees last year, an increase of 35 percent from just two years earlier."  More Â»

—>Not many people really want a computer with Windows Vista. The sensible thing for customers who need a computer—but not right away—to do is wait until the launch of Windows 7 and then buy a computer with the much-awaited OS pre-installed. Vendors realize this, and are trying to get Vista-laden machines off their shelves with the promise of a free upgrade to Windows 7 when it comes out. A free upgrade that is not, in fact, free.  More Â»

—>If you're going to school at a Florida state university, your fee burden just grew a little bit lighter:   More Â»

—>Consumer advocates have long been critical of gift cards that carry hefty fees and expire without warning, leaving you with a worthless hunk of plastic when you find a card in your sock drawer two years after receiving it. American Express, until now a culprit when it comes to fees, has just ditched the $2 monthly charge recipients had to pay for the privilege of keeping a card for more than a year. Unfortunately, buyers of Amex gift cards will still be saddled with upfront fees ranging from $2.95 to $5.95 per card.  More Â»

—>Freescore.com is one of those online companies that offers a free trial, and then attempts to enroll its customers in a $30/month subscription service. Now they're suing Yahoo in an attempt to reveal an anonymous blogger who quoted a Reuters article when criticizing the service, and who pointed out that Freescore is owned by a company with a reputation for billing customers without permission.  More Â»

—>If you're planning any air travel on the busiest post-holiday travel days this year, prepare to pay $10 in an extra, uh, "fuel surcharge" on Delta, American, and United flights. Fuel is super extra expensive on November 29th, January 2rd, and January 3rd, you know.  More Â»

—>With baggage fees, $3 ramen noodles and even fees to let you cut the line, we thought the airline industry had gone about as far as it could to separate passengers from their money while preserving the illusion of selling cheap tickets. But British Airways has one-upped the yanks with a new fee that gives passengers the privilege of selecting their seats more than 24 hours in advance, for a mere £10 to £60.  More Â»

—>Lynne writes, "Citizens Bank is now charging customers an annual overdraft protection fee. This is a charge for linking your savings account to your checking account. Customers can be removed from the program and can get the fee back." We don't know when this started—they just say there might be fees involved and call for details on their website—but if you're a customer of the bank you might want to make sure you haven't been enrolled without knowing it.  More Â»

—>Sen. Chris Dodd plans to introduce legislation that would require banks to get permission before allowing fee-generating overdrafts. Banks are on track to earn $38.5 billion in overdraft fees this year and, according to a study by the Federal Deposit Insurance Corp, most banks offer the "service" automatically. Common "features" of the programs include not notifying customers when an overdraft is about to occur, not offering them a chance to cancel the transaction, and processing the transactions in ways designed to increase the number of fees.  More Â»

—>Want to claim a missing rebate, or reverse sneaky cable, bank, cellphone or hotel fee? These free complaint letter templates posted by Gotcha Capitalism and Red Tape Chronicles author Bob Sullivan are a godsend. It's like Madlibs for money.  More Â»

—>Spirit Air, home of fees for everything from buying your ticket online to being a victim of a plane crash (OK, they dropped that one), has been hit with a record $375,000 fine from the Department of Transportation for, among other things, false advertising, adding extra fees to its fares (toldja) and taking as long as 14 months to compensate passengers for lost luggage. Spirit's response? Some perks are bound to fall by the wayside when you're an "Ultra Low Cost Carrier."  More Â»

—>In this video, a blonde dame in glasses shows you how to escape your cellphone contract for free with several tried and true tips for defeating those $175 early termination fees.  More Â»

—>Comcast is going to start rolling out a $2 fee hike across the country this fall, which means your cable modem rental fee will go from $3 to $5 by the end of the year. Comcast says they absolutely have to do this or they'll never be able to pay for service and equipment upgrades, which makes us wonder how the poor underfunded company manages to stay afloat at all.  More Â»

—>Banks now make more on debit card overdraft fees than credit card penalties—they'll rake in about $27 billion in 2009 alone, according to the New York Times. They obviously have zero incentive to curb the practice. In fact, one economist told the paper that "45 percent of the nation's banks and credit unions collect more from overdraft services than they make in profits."  More Â»

—>Walmart, our nation's largest employer, has eliminated paper paychecks. Now employees can choose to sign up for direct deposit or have their wages added to a pre-paid debit card. ABCNews says that only about half of Walmart's employees use direct deposit — the rest either prefer a paper paycheck or, in some cases, don't have a bank account.  More Â»

—>Fed up with stores not knowing the rules for credit card purchases, Andy at NonToxicReviews created this handy credit-card-sized PDF of the relevant portions of Visa's and MasterCard's merchant agreements.  More Â»

—>Do you know what the airline industry really needs about now? More fees! Luckily, Southwest Airlines is happy to oblige. They're now charging a $10 fee to customers who want to board the plane before everyone else.  More Â»

—>If you're having a package delivered by UPS and want to change the delivery address while it's in transit, be warned: this service will now cost you either $4 or $6 depending on whether you make the request online or over the phone.  More Â»

—>The Wall Street Journal says that Bank of America is interested in paying back a portion of the bailout money it received, with the goal of getting out from under the purview of the salary czar and reduce a "layer of federal involvement in its affairs."  More Â»

—>Tmobile will be raising overage rates September 1st, and customers can use it to cancel without early termination fee.   More Â»

—>If you thought you could escape American Airlines' increased domestic baggage fees by only flying abroad, think again: AA is raising checked bag fees for some international flights to Europe and India.  More Â»

—>Providing that you check your bags online at least one hour before your flight, US Airways says it will begin charging $20, instead of $15, for the first checked bag and $30, instead of $25, for the second. Those who choose to check bags at the airport can expect $25 for the first and $35 for the second, an increase of $5 per bag.  More Â»

—>Cache asked about the $10 "Super Power Pass" add-on at his local XSport Fitness club today—the sign in the window says "work out where you want, when you want with a Super Power Pass for just $10 more*," and lists "Chicago - New York - Washington" across the top. We don't know what's linked via that asterisk, because the fine print on the ad is so small that it's unreadable in the photo Cache took, but as you might expect there's no such thing as a $10 add-on that lets you use any XSport Fitness.  More Â»

—>TiVo customers have a few different choices when paying for their service plans. The one that's gamble of sorts is the "lifetime" plan, which includes service for the entire life of your device and currently costs $399. Lifetime service is technically transferable when a TiVo is replaced under warranty, but Nate discovered a new feature: a new $150 fee to transfer service from the original DVR to the replacement.  More Â»

—>[Note: Sandals has already responded to the post, expressed sympathy, and reached out to Autumn. We've removed their name from the headline to more accurately focus the blame on Delta, which is the company really behind the problems.] We get that Delta employees just flat out hate their jobs at this point—that would explain the surly flight attendants on my last Delta flight, at any rate—but why would you take that out on newlyweds, who have their whole lives to be disappointed and deserve that one week of happiness at the start? The least you could do, angry Delta employees, is try to help out after your employer utterly fails to deliver the passengers anywhere near their destination. No, a dingy one-night stay in a hotel room in NYC is not the same as a week in Antigua.  More Â»

—>In addition to tacking on some sneaky new fees, PayPal apparently has instituted another off-putting practice on some accounts. According to reader Melissa, the online money changer was taking 20 percent off of her monthly sales and keeping it in reserve in case a customer initiated a chargeback.  More Â»

—>Starting in June, Paypal started assessing a fee of 2.9% on on purchases marked "goods" or services" to personal accounts. They can do whatever they want, but the problem is they were very quiet about it. Almost sneakily so.  More Â»

—>Banks are set to make a record $38.5 billion in overdraft fees, says a new report in the Financial Times, and the bulk of the money is coming from those who can least afford to lose it.  More Â»

—>Reader R Turner has a cautionary tale about Bank of America. He says a BofA error led to a late charge on his credit card account, then without his authorization the bank took out a cash advance to cover the payment.  More Â»

—>Will thought he was buying the newest MacBook Pro model—that's what it said on the box and on the receipt. After he'd set it up, he discovered it was a previous model, so he took it back to the glass box Apple Store on Fifth Ave in NYC to get the version he paid for. Now Apple wants him to pay $100 to transfer his data over to the new laptop. But hey, he shouldn't complain, because they're "waiving" the restocking fee!  More Â»

—>New Jersey resident Daniel had a checking account he used for eBay, but he forgot about it and sure enough his bank had to go an empty out the account because his money spoiled and had to be tossed out like sour milk. You know, due to inactivity fees.  More Â»

—>Despite lowered fuel prices, American Airlines just can't seem to figure out how to make money. That's too bad for you — because you'll be paying higher bag fees.  More Â»

—>Reader "ValentineHumphrey" has a part-time job with a company that gets a 25% discount from AT&T. It sounded like a good deal until she found out there was actually a fee for signing up for the discount. What?  More Â»

—>Banks don't believe in first come, first served, when it comes to processing your transactions. Instead, it's biggest appetite, first served. In other words, they process a batch of debits on your account by order of largest to smallest. The result, critics, and now, several lawsuits, charge that it maximizes the overdraft fees they can harvest.  More Â»

—>Midwest utility Xcel Energy wants to charge anyone using solar panels a monthly fee for sustainably generating their own energy. According to company spokesman Tom Henley, "We just don't think it's fair that customers that don't have solar panels on their homes should subsidize these solar panel customers any further." Huh?  More Â»

—>Eric wrote to us this week with a tale of such epic dysfunction while trying to purchase air conditioners from Sears that there's not much we can add to it. Inside: Imaginary deliveries, super-secret New York City surcharges, and the hazards of daring to order anything over the phone.  More Â»

—>With airlines now charging fees for not paying fees a specified way and contemplating charging for bathroom access, we wanted to take a crack at predicting the next annoying fee. Take the poll inside and suggest your own fee.  More Â»

—>Following in the fee-laden footsteps of US Airways, Delta has added a $5 fee for not paying your baggage fees online in advance.  More Â»

—>Australian consumers will soon be able to challenge any bank fee that they consider "unreasonable," thanks to a new law that could save consumers up to $1 billion. Banks that want to keep levying excessive fees for late payments and overdrafts will need to prove that the charges are reasonable by revealing the true processing costs behind the fee.  More Â»

—>You've all seen the $10 minimum signs at Mom & Pop stores, and while these stores aren't supposed to be placing this type of restriction on their customers (it's a violation of their agreement with the credit card companies) it's important to understand why the signs are there in the first place. Fees.  More Â»

—>A California Superior Court judge has just been given the go ahead to a class action lawsuit against DirecTV over their practice of charging early termination fees.  More Â»

—>Lu, who caught a Game Crazy cashier adding bogus fees to a purchase, has sent in a couple of updates.  More Â»

—>Chase isn't just acting in shady ways toward their credit card customers. Their latest sneaky move is sending new debit cards that impose fees to their banking customers, hoping that customers will simply activate the new debit cards with no questions asked. Not so fast.  More Â»

—>Kids these days! Hawkins writes, "My lectures about financial responsibility appear to have failed: yesterday [my teenaged daughter] charged $23,148,855,308,184,500.00 at the drug store." You would think Visa would have caught the error and addressed it, if you were high. What Visa actually did was slap a $20 "negative balance" fee on it, of course. Update: Here's what happened!  More Â»

—>Lu tried to buy "Dead Space" yesterday at a local Game Crazy because it was on sale. The cashier, however, added two fees for $1 and $2 for "Gameguard" insurance without Lu's permission—then tried to explain it away by saying the price was higher than marked and he'd actually had to give discounts to bring it down to the sale price.  More Â»

—>Last week we mentioned that Costco has a habit of backdating the starting date for lapsed membership renewals, which prompted Monica to write in and let us know of another issue they seem to have with billing. If you renew your executive membership with Costco but then apply for the Costco American Express card, Amex will charge you the membership fee a second time. Monica says the Amex CSR who fixed the problem told her it happens all the time.  More Â»

—>After reading about how Jesse was banned for life from Bank of America for no clear reason, other readers wrote in with similarly bizarre BoA stories. Wayne was locked out of his new account after he opened it and charged a $75 overdraft fee. Chris was sent checks linked to a duplicate account and then charged penalties when the checks bounced. Edward's new account was closed but the CSR refused to tell him why, and he was charged a $60 "research fee" for the closing. When Edward went to a BoA branch to clear things up, he says the employee there told him, "That's why you don't open up accounts online."  More Â»

—>An exciting new policy change took effect last week at AT&T Wireless. Have you recently started a new job, or joined a group that provides discounts on your cell phone service? Guess what? You get to pay a $36 fee per line in order to get your discount!   More Â»

—>Corey admits that he messed up. He was the one who didn't keep as close track of his transactions as he should have, and overdrafted his account. It was Bank of America's policies, however, that resulted in his being hit with fifteen overdraft fees at $35 each, for a total of $525 over the course of a weekend. Corey knew that he was in the wrong, but thought that these fees were unfair, and also more than he could afford. So what did he do? He used what he's learned from reading Consumerist to make his case to the people in charge.  More Â»

—>Consumers aren't the only ones looking to save money and gain a little extra cash on the side. Banks are people too, you know! In the face of toxic assets and credit card delinquencies, they've come up with a plan to increase their revenue: New fees! Higher fees! Higher minimum balance requirements! Trickier overdrafts!  More Â»

Over at Elliott.org a reader has sent in a screenshot from a recent attempt to book a discounted hotel room in Venice. The price was supposed to be $375 a night marked down from $537. It seemed like a good deal until he saw the taxes and fees...  More Â»

In preparation for the phone's launch on Friday, AT&T wrote today: "We've been listening to our customers. And since many of our iPhone 3G customers are early adopters and literally weeks shy of being upgrade eligible due to iPhone 3G S launching 11 months after iPhone 3G, we're extending the window of upgrade eligibility for a limited time."  More Â»

—>For a while now, there have been rumors and speculation that AT&T was considering reducing its data plan by $10 per month in an attempt to be more competitive with other carriers. Today AT&T officially put the kibosh on that scuttlebutt, which is how I write once the cocktail hour kicks in on Friday. Says an AT&T spokesman, "We've been very happy with our pricing."  More Â»

—>Arnie and his wife have a fever, and the only cure is more iPhones. A shiny new iPhone 3G S to replace the clunky old 3G iPhones they've been forced to use, to be precise. Frustrated that the cell phone business insists on subsidizing the gadgets by only offering a sane price to new customers, or customers willing to upgrade, Arnie called AT&T. That's when he stumbled on a solution that's almost hilarious in its simplicity.   More Â»

—>Apple fans around the country are foaming at the mouths over the jacked-up pricing AT&T has announced for the upgraded iPhone. AT&T apparently can't afford to subsidize the phones for existing customers, because if you currently have an iPhone and more than 6 months left on your contract, you'll have to pay $417-$517 for the newer model (that includes an $18 "upgrade" fee).  More Â»

—>Banks are increasingly charging foreign transaction fees on domestic purchases, a dangerous practice that's likely to expand as banks look for new ways to generate profit. Tripso tells us the story of Sunil, who bought tickets with Qatar airlines, which sounds ever so expensively foreign. Citi charged a 2% foreign transaction fee, even though the tickets were bought in U.S. dollars and processed by the airline's central reservation system based in Washington D.C.  More Â»

—>Just when free tv on the internet was starting to get good, Hulu board member Jon Miller had to go and talk about subscription fees. Miller, an AOL refugee who's now squeezing cash out of consumers for News Corp, said last week of subscription fees: "in my opinion the answer could be yes. I don't see why that shouldn't happen over time... it seems to me that over time that could be a logical thing." Charging for content isn't his only big idea...  More Â»

—>The California Supreme Court has effectively reversed a 2004 San Francisco trial court decision that ordered BofA to pay $284.4 million in damages to more than 1.1 million customers. The California Supreme Court ruled that banks can tap Social Security benefits in bank accounts to cover bounced-check fees, a practice consumer advocates say is abusive because Federal law prohibits Social Security benefits from being seized to pay a debt. California law apparently doesn't consider overdraft fees to be debt, so the fee party will be allowed to rock on indefinitely.   More Â»

—>Starting July 24, 2009, WaMu accounts will get fully transitioned to Chase. After that, ex-WaMuers will be able to fully enjoy the benefits of Chase banking, like making deposits into Chase ATMs, the full range of Chase branch banking services, and the luxury of paying Chase's service fees which are higher than WaMu's were.  More Â»

—>Brent was ready to order two-day shipping from Amazon merchant Electronics Expo for a set of Boston Acoustics speakers until he realized it would cost an extra $186. The speakers were only $49, and standard shipping was available for $14.99.  More Â»

—>Mark has been taking a closer look at his finances and discovered a recurring monthly charge from some company called Easy Saver (easysaverrewards.com). He's not sure where he supposedly signed up for the service, but his online search revealed a potential connection that he thinks others might want know about.  More Â»

—>Tom just received a great offer from his bank. He can receive a free credit report just by peeling off this sticker and affixing it to another part of the same page. That's right, a free motherloving credit report! Who doesn't want one of those? Free, you say? Sign me up!  More Â»

—>Spending money costs money when you're abroad, but a list of cards and fees compiled by USA Today can help you decide which card to pack before you leave.  More Â»

—>What do you do when the foundation to your business is crumbling and bankrupcty lurks like the Grim Reaper just outside your drop box? If you're Blockbuster, apparently you charge customers more at the register than what's displayed on the product, at least in California.   More Â»

—>Here's a little something that sums up the state of air travel in our nation. Reader Drew was checking in to his Delta flight yesterday when he noticed that not checking any bags was described as "free."  More Â»

—>United and US Airways will soon charge an extra $5 to check bags at the airport, charging $20 for the first bag and $30 for the second. Since it will still cost $15 and $25 respectively to pay for checked bags online, United thinks they can herald the chance to "prepay & save!," while US Airways boasts that they now have a "lower fee online!"  More Â»

—>One unexpected benefit of the CARD Act, if it passes the Senate vote, is that Senator Charles Schumer of New York has included a provision that prevents abusive gift card practices.  More Â»

—>Creative Labs has found a great new way to minimize the risk that a customer will actually benefit from a rebate offer. In Rick's case, they sent him the rebate in the form of a $10 debit card that was supposed to be good until July 2009, but when he went to a Best Buy to use it last month, it was denied. The reason? He'd been charged a $3 "maintenance fee" every month since January.  More Â»

—>Why does HSBC charge $15 to make a payment over the phone? Other, often smaller, companies charge $3 or less, as MG notes in his email below. In this case, since the alternative is so unwelcome—a possible late payment, and a corresponding hit on MG's credit score—it seems pretty outrageous to hold him hostage to a $15 fee.  More Â»

—>When airlines said that baggage fees were successful, they weren't kidding. Collectively, they pocketed an extra $1.1 billion in luggage fees in 2008. American and US Airways led the pack — collecting $278 million and $187.1 million in bag fees respectively.  More Â»

—>Luis dropped his busted LG EnV in the mail at the end of last year and tracked its progress as FedEx delivered the package to Verizon. Verizon, apparently unfamiliar with tracking numbers, doesn't believe that Luis ever returned the phone, and insists that they're owed a $320 replacement fee. Luis disputed the charge, but rather than investigate his claim, Verizon decided it would be easier to suspend his service. Now they want Luis—a customer of seven years who pays over $350 across six phone lines each month—to pay another $15 to reconnect the service they should never have disconnected in the first place. He writes:  More Â»

—>Comcast agreed to lower reader O.'s monthly cable bill to $40, but they didn't warn him that the new, lower price would come with a hefty $150 early termination fee. O. could barely afford Comcast's service before, and wouldn't have agreed to the lower fee if he knew about the surprise fee. Comcast is telling him that he has no choice but to pay, and won't even let him return to his previous plan.  More Â»

—>Most travelers make do with 2 normal-sized pieces of luggage or less, but if you think you might have to travel with more bags, or unusually large or heavy ones, be prepared to shell out a lot of cash for what's called an "excess baggage fee."  More Â»

—>Corbin had a very confusing experience with his Chase credit card. Because of a unexplained returned payment by his bank, his $30 automatic minimum payment led to $156 in late fees, overlimit fees, returned payment fees, and a fee charged, as far as I can tell, for being charged fees.  More Â»

—>Seriously, Jiffy Lube? You haven't received enough bad coverage about ripping off your customers? Fine, here's another one: Daniel says they tried to add about $170 in extra "needed" repairs and replacements recently when his girlfriend dropped off her car to get the oil changed. Even after she turned them down, they still slapped an extra $6 "Peak Global Life Time 100%" charge on the bill. We don't know what that means, but those are all good words, and anything that's 100 percent has got to be quality. Apparently Jiffy Lube doesn't know what it means either.  More Â»

—> If you've followed Consumerist for more than a few days you've probably heard that 2009 Worst Company in America quarterfinalist Comcast has been known to engage in some, ahem, sketchy customer service practices.  More Â»

—>Cliff logged on to his U.S. internet connection to use his U.S. credit card to buy airline tickets on Aer Lingus in U.S. dollars, a transaction he assumed wouldn't incur a foreign transaction fee. Nope! Citibank slapped a 3% fee on the $2,600 purchase, something Cliff feels the airline should have warned him about.  More Â»

—>Jason writes, "My wife just sent me an email saying that she paid 'too early' (before the new statement was generated) and got charged a 'Late Fee' of $29!" He says she called Capital One and got the fee waived, but it's a good reminder that if you make a payment before the new statement period begins, your card provider will likely apply the payment to the previous statement period, and will still expect a fresh payment from you by the new due date. Just make sure your payments aren't scheduled so early that they're applied to the past and you'll be fine.  More Â»

—>Stop the presses! You know how most banks are glad to let you charge more than your credit limit and then charge you fees for the "courtesy?" CreditMattersBlog reports it turns out Chase will let you block these "over-the-limit" purchases. You just gotta call and ask for it, 1-800-432-3117. If you're a Chase credit card customer and sometimes find yourself going over your credit limit and incurring fees, putting an over-the-limit block on your account could be just the thing.  More Â»

—>Graham's roommate is moving out. The cable and Internet are in his name, so they called up Comcast to change the name on the account. Simple enough, right? Surprisingly, it was. Until they wanted to know why there was a $10 fee to change the name on the account.  More Â»

—>Courey Gouker's recent experience with American Express encapsulates every trick the company has pulled in the past few months to drive away their customers, including dropping the credit limit, hiking the rate, and even offering him a cash bonus to pay off his balance in full. In addition, the company's CSRs made promises to him that they didn't keep, and notes on his account have gone missing. About the only thing they haven't done is email a photo of the CEO flipping him the bird.  More Â»

—>Chris was surprised to find that T-Mobile didn't cancel his account as promised a few months ago. What's worse, the note on his account that mentioned his cancellation request was missing, and nobody at customer service would help him. Chri works for a "very large consumer electronics company" that he won't name (we're pretty sure it's Apple) and thinks customer service is important, so he gave up on the CSR angle and instead came to our site to find contact info for T-Mobile executives. One EECB later, Chris is free from T-Mobile and the ETF they tried to apply.  More Â»

—>If you've been avoiding the big travel websites because of their booking fees, you might want to reconsider. Orbitz, Travelocity and Expedia have all stopped charging airline booking fees until May 31.  More Â»

—>If you're going out of the country for more than 15 seconds, don't forget to turn off, remove, leave at home, freeze in a block of ice, disable, or otherwise render unusable your wireless card. Above all, do not download Wall-E for your nephew to watch on your computer. Unfortunately, we do not have any more details about what was going on here, because Clark Howard apparently has to get back to his NASCAR pit.  More Â»

—>US Airways must be running out of ideas. Instead of coming up with a new fee for a previously free service, the dullards in corporate could only muster a top-off on a pre-existing fee. See, for a while US Airways has charged $15 for the first checked bag and $25 for the second, but now there will be a $5 additional fee if you pay those fees in person rather than online. In other words, a fee for paying a fee. A bit of a watery effort, if I may say so . Come now, gents, put your thinking caps on. We're looking for a little more sizzle and crackle in our airline fee innovations.   More Â»

—>Are you more likely to fly Southwest Airlines because they don't have fees? Southwest thinks so... but US Airways, arguably the most fee-crazy of the airlines, says it doesn't matter because they're making so much money.  More Â»

—>Sorry T-Mobile customers, buying a new phone will cost an extra $18 now that the telecom has resurrected the handset upgrade fee killed off last December. The telecom apparently couldn't handle going months without the cash-generating but otherwise useless fee, which T-Mobile described as "a real customer dissatisfier."  More Â»

—>Debbie Eckert cleaned out her son's apartment after he died in a February fight, but the landlord, CCRT Properties of Brookfield Wisconsin, thinks she should pay several months rent and an early termination fee. The Wisconsin Department of Consumer Protection says that CCRT can pursue the 24-year-old teacher's estate, but that they have no right to heartlessly badger his mother.  More Â»

—>Daniel at dansdeals.com has put together a chart of baggage fees for 22 US and Canadian airlines. Spirit takes the prize for most expensive, but there are a dozen contenders for second place. The best: Southwest, Air Canada, Porter and WestJet. If you travel with lots of luggage, you may want to bookmark this page for future reference the next time you're purchasing tickets.  More Â»

—>We know Six Flags is desperately trying to avoid bankruptcy, but that's no reason to go all Ticketmaster on the people who want to have a good time at Magic Mountain in Los Angeles.  More Â»

—>RCN knows some of you aren't going to be happy with having your fees increased, especially in such a tight economy. They know that some of you will probably decide enough is enough and call them to request an account downgrade. They're going to make money off of that, too.  More Â»

—>Consumerist reader Dionicious and his brother tried to rent a trailer from U-Haul over the weekend. First they were faced with a closed location, then they had to ask before the company followed through on its $50 "Right Time, Right Location" guarantee. They hoped that was the end of the screw-ups, but the next day an angry employee called and threatened to file criminal charges against the brothers. Too bad there's not some sort of $50 "We Threaten You, We Pay" guarantee.  More Â»

—>The bailed-out banks have found a new way to annoy the government, according to the Congressional Oversight Panel, the body named by Congress to oversee the federal bailout. Chair of the committee and friend of the blog, Elizabeth Warren, is concerned that the same people who are subsidizing the banks are being targeted by abusive lending practices, says the Wall Street Journal  More Â»

—>If you cancel your Vonage service before the end of the first year, you're going to need to pay $70 for Vonage's proprietary router on top of a $29.95 cancellation fee. Don't even try to return the soon-to-be useless router because that's simply not an option.  More Â»

—>Christopher Elliott, travel guru, has got to be a liar. In his latest blog entry he posts a story from an American who stayed in a hotel in Vienna... and was charged the room rate times the number of days he stayed. Can this magical hotel really exist?  More Â»

—>Update: Several commenters have pointed out that the size of the download seems to indicate that your $5 gets you new code, not just an unlock key. The original post is below.  More Â»

—>Via U.S. PIRG, we came across this AP article on the enormous fees that businesses are charging consumers. After noting how much Americans pay in unnecessary fees (e.g., $14.6 billion in credit card fees last year), the author lists twenty easily trimmed fees. Our favorites, inside.  More Â»

—>Hillary discovered that her money-saving free digital service self installation kit from Comcast wasn't so free after all when she got her monthly bill. She says they removed the charge when she called to ask about it, which further reinforces our suspicion that this is a sneaky plan to pass the cost of the free kit back to subscribers. If you request a free self install kit from Comcast, watch your bill for extra charges.  More Â»

—>We wrote in January about a new $10 per month fee that Chase was arbitrarily imposing on customers who had transferred balances to their Chase cards. Well after having a little chat with New York Attorney General Andrew Cuomo, Chase announced that they'll stop charging this ridiculous fee and they'll be refunding customers' previous payments.  More Â»

—>Nokia has already had a few problems rolling out its new touchscreen 5800 XpressMusic phone, including earpieces that go bad in humid weather and firmmware that wouldn't work on certain big-city 3G networks on the US model, but now they're screwing around with something serious: customers' money.  More Â»

—>Netflix is raising its rates for Blu-ray subscribers (again). The rate change is between $1-$9, increasing by $1 for each successive tier. The breakdown, via Engadget, and what Netflix emailed customers, inside.  More Â»

—>Clifford Phillips paid $38 for a cup of coffee. Was it farmed on the moon? Nope, it was overdraft fees. [MSNBC] (Photo: Groovnick)  More Â»

—>Bank of America doesn't think cashing checks drawn on its own accounts is a service that should be free to no-name people who come in off the streets—they want $6 for that privilege, one reader recently discovered.  More Â»

—>Oh noes! The Hungry Hungry Hippo Banks are trying to gobble up your happy money fish! You only have 5 days left to get them to stop by writing the Fed and saying NO to banks default stuffing you into an overdraft fee programs. Send an email to regs.comments@federalreserve.gov with "Docket No. R-1343" in the subject line. Or you can use this online form.  More Â»

—>A reader wants to know why Chase is pushing him so hard to use his debit card like a credit card when paying for things—they're promoting a contest for people who do this, and on every insert or blank space in the paperwork that accompanied his newest card, they encourage him to always select "credit" over "debit" at checkout. Why?  More Â»

—>Habitually awful carrier Spirit Airlines is bringing back its "passenger usage fee," which charges passengers $4.90 each way for booking tickets online or over the phone. The only way to avoid the fee is by purchasing directly from a ticket counter at the airport. Convenient!  More Â»

—>A Vancouver man says he was overcharged by Taco Bell — costing him hundreds of dollars in fees. The man used his debit card to buy $15 worth of Taco Bell for his family. The receipt read the correct amount, and he says he didn't notice that his card had been debited $150 until he started receiving overdraft fees for each item he bought after Taco Bell.  More Â»

—>So, it's not exactly good news, but between the toilet tax and priority boarding fees, Reuters thinks that airlines may have run out of "perks" worth excluding from a ticket's base price. The bad news? All those new airline fees aren't going anywhere. American Airlines, which last year pocketed an extra billion in "ancillary revenue," calls them "a pretty big success story."  More Â»

—>DirecTV agreed to let Anthony cancel his service without an early termination fee because his signal would randomly fade away without explanation. What DirecTV really meant though was that they would let Anthony cancel if he paid a final bill of $446.69. After speaking with two agents who agreed that the fee should have been waived, DirecTV reduced Anthony's bill to $445.42. A third agent told Anthony that he would need to negotiate any further deductions in writing with the dispute department...  More Â»

—>It turns out that Chun-Li, of Street Fighter fame, does not want to charge you so many onerous fees on your Capcom credit card that attack over and over on your neck like that stupid bitch, Blanka. Just some of them.  More Â»

—>Call it a "you're not making us enough money" fee. If you don't make at least 12.5 minutes of long-distance calls, Verizon is assessing some home phone customers a $3.49/month "shortfall charge." If you want to get rid of the fee, you can, but you'll have to pay a one-time $5.50 fee. Verizon told KING5, "that even if a person doesn't make long-distance calls, they still have access to the phone network. The "shortfall charge" helps pay for maintenance of the network." What a crock.  More Â»

—>We've seen how available balances can disappear when lenders cut credit card limits, but SmartMoney points out that lenders can cut your limit below your current balance, causing all sorts of problems. They'll send you a notice, of course, but you may not receive it for several weeks. Your best bet is to set up your own alert system. A web-based financial service (like Mint) will send you an email or SMS alert if your available balance drops below a specified threshold.  More Â»

—>Be careful what you sign when you buy that new home — because you might be agreeing to allow the home owners association foreclose on and auction off your house if you don't pay your dues.  More Â»

—>For 10 years—including the boom times banks enjoyed in the first half of this decade—the FDIC was prevented from collecting fees from 95% of financial institutions, which it would have used to further build up its safety net in the event it would someday have to bail out a bunch of stupid losers who confused banking with alchemy.  More Â»

—>A new quarter just started this week at Marian Catholic High School in Chicago, and on the first day back, 300 students were pulled out of class and lined up outside the school, then told to contact their parents and pay their outstanding tuition or they'd have to leave. The Chicago Tribune writes that "by lunchtime, about 100 students were sent home-some confused, some embarrassed and a few angry." The school says parents owe around $450,000 in outstanding tuition payments, far higher than usual, and that they're trying to avoid layoffs and other budget cutbacks. Will the poor economy lead to higher attendance at public schools? "If you want a good education, you have to dish it out," one parent told the paper.  More Â»

—>Video game maker Capcom has partnered with Visa to offer a pre-paid debit card with so many fees that it will shrink your wallet from an E. Honda to a Dhalsim. The hurricane kick of fees, inside.  More Â»

—>We all know that just because a rep on the phone promises you something, that doesn't mean it's necessarily true. But in Alan's case, two different United reps both confirmed, repeatedly—he asked several times before completing the purchase and again before canceling—that he could cancel his tickets within 24 hours of purchase without paying a fee. A week after he canceled, he was hit with a $150 non-refundable fee that one United rep admitted was a new policy that wasn't in writing—but United still refused to reverse it.  More Â»

—>You'd think a whole bus is hard to hide but Orbitz had no problem trying to sneak one past Harry McCracken when he was booking a flight to Las Vegas. He noticed at checkout there was a $14 ground transportation fee that had been "added for [his] convenience." Paging backwards, tucked in a list of about 40 upgrades and local attractions was a $14 bus fee. The tricky part was that all the others were opt-in and this one was opt-out. Naughty Orbitz, trying to sneak a bus onto an airplane!  More Â»

—>RyanAir's toilet tax may not be the company's worst idea after all, as reader Geoffrey reminds us with this mockup showing several potential fees the budget Irish carrier may well be considering.  More Â»

—>A class action lawsuit has been filed against Verizon Wireless accusing it of passing directly to customers a "metropolitan commuter transportation district" tax that the company was actually supposed to pay. Albert Levy, who filed the lawsuit, points out that Sprint has never charged the tax to customers. Verizon Wireless calls the accusation "silly," and says they're billing it correctly. Perhaps not surprisingly, the actual wording of the tax law leaves the matter up in the air.  More Â»

—>US Airways has reversed course and decided that it will no longer charge you for some soda-pop in a cup with ice.   More Â»

—>The Associate Press says that 30 states have cut deals with bailed out banks like JP Morgan Chase, Citigroup, and Bank of America to distribute unemployment benefits on debit cards instead of paper checks. The catch? All of these programs have fees — and in some states the cards are mandatory.  More Â»

—>Reader Laura's mom wanted a Snuggie for her birthday, so she tried to order one. There was a 2-for-1 deal, so she ordered it — thinking she could use a Snuggie, too.  More Â»

—>Pennysylvania's unemployed are getting nickled-and-dimed by pre-loaded unemployment benefit debit cards that come come pre-loaded with hidden fees.  More Â»

—>Banks love fees. Want to wire money? Need to pay a fee. What to stop a check? Need to pay a fee. Need to use the bathroom? Gotcha!  More Â»

—>A City College of Chicago program that gives student-loan refunds the form of pre-paid debt cards is drawing heat due to its bevy of hidden fees.  More Â»

—>When you sign up for a checking account, most banks automatically enroll you in a "courtesy overdraft protection" program. This program means that the bank will approve overdrafts from your ATM or debit card — and charge you a $35 fee for each transaction, etc. But what if you don't want the service? Well, the Federal Reserve has proposed a new regulation that will require banks to ask your permission before they sign you up.  More Â»

—>Note: this post is about restaurant.com, not restaurants.com. The two websites are not related. Tracey emailed us today to let us know that she just found a mysterious $14.95 fee on her credit card. It turns out a company called Shopping Essentials is now billing her as a monthly subscriber, and all because she bought some gift certificates via restaurant.com in December. To make matters even more shady, Shopping Essentials never contacted Tracey to let her know she signed up for anything, or to send her information about their services, or to call attention in any way to the fact that she now pays them a monthly fee.  More Â»

—>Reader Justin says he bought some software from Valve's Steam service — and was randomly charged in British pounds. This resulted in a bunch of extra charges from his bank. He's tried to contact Valve about the issue, but he says he's being ignored.  More Â»

—>Sirius Radio customer service reps are now telling subscribers that the rumored rate hike is indeed going to happen. This means, at the very least:  More Â»

—>Update 3:10pm ET: the airline has said it won't charge the men after all.
Spirit Airlines wants $90 each from Rob and Jeff Kolodjay, two of the passengers in last week's U.S. Airways flight 1549, because they're not using the return leg of their tickets. Rob and Jeff were on flight 1549 in the first place because Spirit canceled their original flight.  More Â»

—>Sprint offers an "Everything Messaging Family" package that promises "unlimited nationwide, text, picture and video messaging to anyone on any network." The catch? Unlimited seems to mean "you have the capability to send messages, but you'll still have to pay for each message you send." Erica has called in twice to clear up the mistake, but the CSRs are telling her it's not a mistake. Oh. Well then, is it a lie?  More Â»

—>United Airlines has announced that passengers on flights from New York City to Los Angeles and San Francisco will soon have access to WiFi... for $12.95.   More Â»

—>A customer service rep (CSR) for U.S. Bank's 24-hour banking hotline has stepped forward from the shadows to reveal 12 tips that can save customers money and time. Insider tips on how to get fees refunded, how "available balance" is a lie, and why you should demand the Portland call center when you have a fraud problem, inside...  More Â»

—>Some customers who transferred their balances to Chase were hit with a new fee this month: a $10 monthly surcharge just for having the account in the first place. This $120 annual fee is pure profit for Chase and doesn't get applied to the balance. Oh, and they're doubling the minimum payment as well, although the sooner you pay off your Chase credit card and close it, the happier you'll be.  More Â»

—>Reader Alex says that U.S. Airways charged him a $25 fee that they can't explain — and are unwilling to remove. If he doesn't like the mystery fee, he says, he was told to do a chargeback.   More Â»

—>Royal Caribbean's odd "steak fee" proved to be such a success that the bleed-'em-dry cruise line has decided to add yet another extraneous charge to their "all-inclusive" service: a late night room service fee! Gone are the days of waking up from a seasick-induced nightmare at 3 a.m. to the comforting thought of, "well at least I can order a cheeseburger." Now, seasickness cures ordered between midnight and 5 a.m. cost $3.95.  More Â»

—>This Fry's in Texas apparently wants you to pay for them to replace their inventory. Or they think their customers are idiots. Maybe both?  More Â»

—>There's a nasty winter storm coming to Chicagoland — a mix of rain, sleet and snow that might result in 12" of accumulation. Jennifer was scheduled to fly right in the middle of it.  More Â»

—>Here's an odd problem. Reader Austin bought some airline tickets for a business trip and wasn't sure who was going to go, so he booked an extra ticket with his name on it — thinking that the name could be changed later. Whoops.  More Â»

—>Fees may be a way for sellers to offer a low "landing price" to attract buyers in, but then make it up by the time of final sale by tacking on extra charges, but not all surcharges are created equal. The seller's reputation impacts whether buyers will pull the trigger or not, according to a new study.  More Â»

—>It took 18 months for the FDIC to figure out that banks' practice of clearing checks largest to smallest makes banks a lot of money.  More Â»

—>The Chicago Sun-Times is reporting that Mayor Richard M. Daley of Chicago is trying to get "quickie" approval for a proposal to privatize the city's parking meters. Under the 75 year lease, Chicago's 36,000 parking meters would be controlled by a partnership that includes Morgan Stanley Infrastructure Partners and LAZ Parking. This partnership will, naturally, raise prices. Critics of the proposal say that charging $6.50 an hour by 2013 to park downtown would hurt local businesses.  More Â»

—>US Airways CEO Doug "OK To Drive" Parker says that US Airways new $15 fee for the first checked bag is a huge success. It's caused a 20% drop in checked luggage — which has improved baggage handling performance — all while adding revenue during a tough time for airlines.  More Â»

—>Reader Christi reports that Mervyns, a mid-range department store that is closing all its locations, now charges you a $15 fee if you want to talk to customer service over the phone. When Christi called a store to complain, they told her to call the number back, accept the charge, then ask them what the heck was going on. Thing is, Christi was just calling to make a payment by phone,   More Â»

—>In an attempt to improve margins during tough times, American Airlines will now charge fees to non-passengers, The Onion reports. (Thanks to ubermex!) (Photo: joyosity)  More Â»

—>The crappy economy is taking its toll on airfares. Demand is sinking taking airfares with it, says USAToday.   More Â»

—>Reader Kenneth says he escaped Sprint without paying an ETF because of our post "Escape Sprint ETF-Free Over Administrative Fee Increase." He sent us the transcript of his chat with Sprint so you can see how he did it.  More Â»

—>If you have a Citigroup-issued credit card and you haven't had a rate increase over the last two years, expect to be notified of a 2-3% rate increase on your November statement. Congratulations! You're going to help Citigroup offset its losses in the global credit card division, whether you were directly part of those losses or not. As the New York Times points out, by doing this Citigroup is breaking the promise they made to Congress in 2007 that they would not arbitrarily raise rates on accounts—which may be why they're offering a fairly lenient opt-out policy.  More Â»

—>Elysse was told by an optometrist to consider "vision therapy" as a treatment for her child's strabismus (crossed eyes), but the business she was sent to—Children's Vision and Learning in Versailles, Kentucky—turned out to be one of those places where selling is their top priority, and medical care simply the product being sold. After being lied to about the cost, given a hard sell during the first appointment, and even being asked, "Don't you care about your child's vision?", Elysse decided to look elsewhere. Now, four months after the experience, the business is billing her $50 for a "penciled in" appointment she never agreed to keep in the first place.   More Â»

—>Want to break your Sprint cellphone contract without paying an early termination fee? On January 1, 2009, Sprint will increase the Administrative fee to $.99 per line. Because this is what is known as a "materially adverse change of contract," and because of the basic contractual principle that you can't change someone's contract without their explicit permission (not the tacit, "opt-out" kind), you can use it to argue that the fee renders your contract void and you can end service without a termination fee. You do have to be willing to argue without giving up with a number of different Sprint employees first, like Matt did...  More Â»

—>Nicole was hit with a surprise 6 point interest rate increase on her Citicard, so she fought back. Her story is a good reminder that you should look at all of your options and be prepared to argue on your behalf, even if you're not in a position where you can just pay off the entire balance and walk away.  More Â»

And let's not forget the exorbitant booking fee for using miles for one of our tickets. The actual FLIGHT was only $280 round trip per ticket, but with the booking fee TO USE THE MILES TO PURCHASE A TICKET, we wound up paying over $500.  More Â»

—>WestJet recently sent out a survey to its readers to look at a list of $10 fees and respond which they were okay paying with. One of them was a $10 fee for not having to sit near screaming babies and small children. The airline also wanted to know if customers would be interested in $10 savings for putting up with or giving up certain things, like savings for not earning frequent flier miles or savings for having a seat that doesn't recline. Brilliant business move or deceptive fare increase? Leave your thoughts in the comments.  More Â»

The attorney who won a verdict against Sprint in California has filed a $1.2 billion class action lawsuit, claiming that early termination fees are not legal. [Information Week]  More Â»

—>The AP says that the new mergeriffic Delta will be adding a $15 fee for the first checked bag and $25 for the second checked bag when traveling domestically, which is consistent with Northwest's existing policies.  More Â»

—>US Airways is planning on copying JetBlue and start charging $7 for pillows and blankets. This is how we're going to save the airline industry, with fees for not being cold? No wonder they're in a tail-spin. [NYT] (Photo: Presidente)  More Â»

—>Bank fees are increasingly disproportionate to the cost of business they're supposed to cover, as shown inBankrate's latest annual survey of consumer banking costs.

• Average NSF (non sufficient fund) fee: $28.95, a 2.5% increase from last year
• Average ATM surcharge is $1.97, up 1%
• The minimum balance required to avoid fees on interest checking accounts at a brick and mortar bank: $3,461.84, up 4%
• The average minimum required to open an online checking account: $650.81, up $517.48

—>Here's an interesting situation. When babies fly domestically, they fly for free — but international flights require a ticket and, apparently, a huge fuel surcharge.   More Â»

—>How is Midwest Airlines like Schlitz beer? A traveler angry over how Midwest's wider business seats now cost an extra $50 explains. [Upgrade: Travel Better]  More Â»

—>More details have emerged about Sprint's new decreasing-monthly ETF, thanks to a page from the Sprint customer service manual that fell into NeoWin's hands. Basically the ETF on a 2-year contract is $200 after the first 30 days and until month 20, then it starts decreasing by $10 at month 19, until it gets to month 5 where it holds at $50. However, they say it's their policy to waive it if there's less than 30 days left. Once again, the decreasing-ETF will only apply to new contracts signed after November 2, 2008. Full scan of the internal document, inside...  More Â»

—>The New York Times has an article detailing what promises to be the next fun financial crisis — credit card debt! Apparently, credit card companies have only just now realized that you people are broke! Whoops.   More Â»

—>A combination of rising costs and low insurance reimbursements is forcing some primary care physicians to opt-out of the insurance game completely — accepting a flat fee instead of private insurance or Medicare. For a $4,500 annual fee, patients who formerly used their insurance to pay for doctor's visits can get 24-hour access to doctors, unhurried appointments, home visits and state-of-the-art annual physicals. Or they can find another doctor.  More Â»

—>Think twice about bringing home Thanksgiving leftovers: United will raise fees for 2nd checked bags to $50 from $25 staring November 10th. [United] (Photo: zonaphoto) (Thanks to Derek!)  More Â»

—>Sprint is expected to soon start making the early termination fee (ETF) decline every month, possibly as early as November 2nd. Previously, whether you canceled service 1 day into or one day before the end of your service contract, you would get a $200 fee. That fee is supposed to reimburse the company for the cost of providing you a cellphone at reduced cost. The change is expected to be only good for new subscribers and is not retroactive, so, sorry Charlie if you were hoping to go get an iPhone.  More Â»

—>MSNBC says that a recent study by the FTC showed that on average, prepaid long distance phone cards only delivered about half of the minutes advertised.   More Â»

—>Tonik is the rad, x-treme! lifestyle health insurance for young people who can't afford regular insurance—sort of the Poochie of health insurance, except it's not going to go away. Aasma wrote to us to let us know that when she signed up for it over the weekend, she got a nasty surprise after she submitted her credit card information.  More Â»

—>Ticketmaster is an evil monopoly that steals cash from defenseless consumers. They are infinitely more evil than their hated 30% surcharge would suggest, and they must be destroyed.  More Â»

—>Do you like flying? Well then you're going to love cruising with Royal Caribbean! The cruise line recently announced plans to charge customers who order steak in the main dining room a $14.95 surcharge.  More Â»

—>Meet Brandon. He canceled DirecTV after less than 24 hours (the agreed upon time limit to avoid a fee, apparently), only to see that DirecTV debited $446.60 from his checking account.  More Â»

I have had an Advanta Credit Card for a little over a year now. My interest rate prior to a few days ago was 8%. My credit rating is very good, and I have always made my payments on time. As I was looking over my bill for September I noticed a fee of $75 dollars. A few clicks later I found that my interest rate had been raised to 20%.  More Â»

—>Facing increased pressure from consumers and lawmakers alike, Verizon has announced that they will begin offering monthly cellphone plans with no early termination fees. Consumers wishing to take advantage of the plans will be required to pay full price for a phone, or provide their own phone, as Verizon will not be subsidizing the cost of handsets.   More Â»

—>The House of Representatives passed legislation that's commonly known as the Credit Cardholders' Bill of Rights today, but the bill is expected to be ignored by the Senate while they work on that whole $700 billion bailout thing.  More Â»

—>US Airways says that their decision to start charging for water, coffee and soft drinks is working — because no one is buying them.  More Â»

—>United Airlines is just super crappy at fuel hedging, says Wired. Now that oil is trading at less then $100 a barrel, it turns out that United is paying more than that — and more than other airlines:  More Â»

—>Airlines have added all sorts of fees to compensate for their increased oil costs recently. Now that oil has dropped, the fees are gone, right? Nope. Now that we're all acclimated to a la carte pricing, which airlines have lusted to implement for ages, don't expect it to be going away anytime soon. $2 fee to have the window open, $4 to have it shut.  More Â»

—>If the website Boy Genius Report is correct, next week Verizon Wireless will start offering contract-free, month-to-month service. Pretty much everyone will be eligible for it, but of course you'll have to pay full price for a phone or bring your own, there'll be an activation fee that can't be waived, and if you take advantage of any special offers that require a contract, you'll have to switch over to a contract agreement. It's supposed to start on September 21st.   More Â»

—>United Airlines has decided that $25 was too generous a price to check your second bag with their airline, and have announced that they'll be bumping the fee up to $50.   More Â»

—>Wanna get in on the Verizon Early Termination Fee class action settlement? I did and went to verizonETFsettlement.com just like the postcard told me. Basically, if you were a Verizon Wireless customer from July 23, 1999 to August 10, 2008, and you were either charged an ETF, whether you paid it or not, you could be eligible for a piece of a $21 million pie (after the attorneys get their fees first), just file a claim form by October 14. In typical fashion, I tried filing a claim but the site keeps timing out. Something to bookmark and check in on later and hope they fixed it. Even when you think you're giving Verizon its comeuppance, somehow you get screwed over. UPDATE: The website seems to be fixed now. By the way, at the end you will have to print out and mail in forms. They want you to attach documentation of your ETF. If you don't have documentation, you can still make a claim but you will get a lesser amount.  More Â»

—>Blockbuster debited Anthony's PayPal account two days in a row for the same monthly plan. PayPal won't help—they say it's between Blockbuster and Anthony, offering further proof that PayPal is a great service only as long as nothing goes wrong.  More Â»

Continental has added a $15 charge on the first checked bag for some economy-class passengers, effective on tickets bought for travel on or after October 7. [Reuters] (Thanks, CMU_Bueller!)   More Â»

Southwest Airlines will no longer be accepting cash for drinks on board their flights. The airline will "accept credit and debit cards and Rapid Rewards drink coupons for items that carry a fee, which also includes cocktails and energy drinks." [CNNMoney]  More Â»

—>United Airlines said it would listen to feedback from customers about its proposed plan to ax hot meals for coach passengers on international flights... and it did. The company has decided not to go ahead with the plan. Reader Jason forwarded us the following email from Graham Atkinson, United's Chief Customer Officer.  More Â»

—>Using Your Health Savings Account as a "Super Roth" Investment Vehicle [Free Money Finance] "If you can afford to delay using your HSA funds and instead leave them invested, your payoff in retirement will be substantial."  More Â»

—>Reader Colin says he just got charged for his first checked bag on Northwest Airlines:   More Â»

—>Forget about those dowdy old-school Olympics. What we need is an international competition to see which airline can suck the most, since everyone is getting so good at it. In the category of Random Rudeness, this AirTran agent and her equally hostile supervisor would have a good shot at the gold—especially since they aimed their hostility at a honeymooning couple.  More Â»

—>Airlines and surfers must be involved in some secret war, because how else can you explain why airlines are targeting them so savagely right now? Sure, snacks cost us $9, bags are $50 each, and seat belts will probably soon be auctioned off during the preflight check—but if you're a surfer, you can expect to pay up to $200 each way to bring along your board, pretty much blowing out the budget of any surfer who isn't Patrick Swayze.  More Â»

—>United Airlines is obviously not to familiar with the dollar menu at McDonald's because they're convinced that you'll pay up to $9 for their "Buy-On-Board" snack offerings, says the Wall Street Journal.   More Â»

—>The San Francisco Chronicle is reporting that United Airlines will no longer offer free snacks in coach starting September 2nd. They are also dropping complimentary meals in business class except for "premium transcontinental flights from San Francisco and Los Angeles to New York." Shockingly, this move coincides with the airlines' expansion of their "buy-on-board" food offerings, says the Chronicle.  More Â»

American Airlines has launched broadband internet service on nonstop flights from New York to San Francisco, New York to Los Angeles and New York to Miami for a fee of $12.95 [Bizjournals]  More Â»

—>Using Your Health Savings Account as a "Super Roth" Investment Vehicle [Free Money Finance] "If you can afford to delay using your HSA funds and instead leave them invested, your payoff in retirement will be substantial."  More Â»

"There is no indication of any change in the near future regarding the current state of competition. Market forces have not yet met the challenge of controlling price increases."  More Â»

—>Between the TSA ban on liquids and US Airways $2 fee for bottled water, if you want a drink, you're probably going to pay for it. It may be annoying, but is it also wrong?   More Â»

—>When US Airways announced that they would no longer be offering complimentary beverages in coach, we wondered how long it would take before other airlines ditched the free stuff. So far, none have, and the Association of Flight Attendants (AFA), has denounced the move, calling US Airways planes "flying vending machines."   More Â»

—>JetBlue is launching a new fee, $7 for a pillow and an allergen-rebuffing blanket. It comes with a $5 coupon to Bed Bath and Beyond. It's all part of what JetBlue describes as a "basket of fee changes" which they project will rake in an additional $50 million this year. I guess that's someone's idea of targeted marketing. "Guys, we need to figure out a way to hone in on this lucrative "buys blankets" crowd..."  More Â»

—>Much like that nasty little gas station problem we talked about awhile back, hotels just love to slap holds on your debit or credit card accounts for "incidental charges." There's nothing wrong or uncommon about the practice, but its difficult or impossible to tell exactly how much the hold might be — and for some consumers who aren't expecting it, the holds can cause big problems. Reader Eric recently got slapped with a $253.13 hold from the Crowne Plaza Hotel in Kansas City, and he's a little irked because they didn't disclose the hold when he was checking in, and they only refunded $160 of it when he checked out.  More Â»

—>Tip for the savvy traveler visiting New York: all the McDonald's in New York have ATMs with only 99-cent fees. However you will probably have to put up with a freelance "doorman" bumming for change on your way out.  More Â»

—>As quietly as it came, the $10 "web convenience fee" Spirit levied for the favor they were doing you by letting you book online, has gone. The fee no longer appears in Spirit Airlines' contract of carriage. A small victory for common sense, though they'll probably just figure out a way to make it up somewhere else. How about $5 fee for takeoffs and landings?  More Â»

—>If arguing for completely getting out of your AT&T early-termination-fee isn't your thing, you can try doing what Felix did and get 75% off it.   More Â»

—>When reader Anayah booked a ticket for her little sister to come visit her in New York, she specifically asked Delta if there would be a fee for an unaccompanied minor. They told her (twice) that since her sister was 14, there would be no fee. When Anayah's family got to the gate Delta informed them that there would be a charge of $100 each way. Anayah's mother could not afford to pay this fee and, since Delta would not allow Anayah to pay the fee in person at the ticket counter in New York, there would be an additional charge of $100 to pay by phone. The confusion caused her sister to miss her flight, and now Delta wants another fee to rebook her.  More Â»

—>Let's say you are in the military and have to undergo some training before you are deployed to Iraq to fight in a war. Let's also say that this training requires to you bring 3 bags of equipment. If the airline you're flying charges a $100 "excess baggage" fee, but waives the $15 first checked bag fee, and the $25 second checked bag fee... is that "generous?"   More Â»

—>Delta Airlines announced yesterday that they will be doubling the fee for a second checked bag, blaming high fuel costs and asserting that it's "still a good value when compared with shipping or luggage services."   More Â»

—>Hate long-term cellphone contracts? Starting August 6th, Tmobile will be the first national carrier to offer month-to-month plans, straight up.  More Â»

—>Delta announced today that it's doubling the fee for a second checked bag from $25 to $50, effective on new bookings starting July 31st for all travel after August 5th. Got a third, fourth, or fifth bag and a lot of money to burn? Fees for those will rise from $80 per bag to $125 each.   More Â»

—>A California judge has issued a tentative ruling against Sprint regarding early termination fees. Although Sprint has two weeks to respond before the judge issues a final ruling, if the ruling stands then Sprint will have to pay $73 million in refunds to former customers. That Verizon settlement for $21 million earlier this month must be looking pretty sweet to Sprint's investors right about now.   More Â»

—>Our network of spies and informants have penetrated every major American corporation. The following is dialog from a recent Spirit Airlines board meeting, as imagined by reader David, whom they screwed over. The first sentence of this post is therefore a non sequitor, but that's ok. What's not ok is Spirit's policy making its various fees and upgrades non-refundable. So if they screw up your ticket and then have to issue you a new one, you don't get to keep the upgrades you bought. They just take your money, because of their ironclad policy against refunds. Now let's join that imagined Spirit Airlines board meeting, already in progress...   More Â»

—>Tmobile is trying to impose certain new restrictions on people trying to cancel their contract without early termination fee (ETF) over the recent text message rate increase. Based on an email between a reader and Tmobile's executive customer service team, to qualify for ETF-free cancellation a customer:  More Â»

—>One of the major points of having your customers order online is supposed to be that it makes it a more efficient and convenient process for everyone. Not so at Spirit Airlines, which is now charging $10 roundtrip extra fee if you order your tickets online. They're calling this the "web convenience fee."  More Â»

—>Remember our reader who tried to use his Bank of America debit card on a parking meter and was charged a $10 cash advance fee? One of our commenters did a little investigation on our story and got two conflicting responses from Bank of America.  More Â»

—>Reader Brian wants to know how to tell a "surcharge" applied to a credit/debt card transaction vs a convenience charge?  More Â»

—>As the second coming of the Jesusphone 3G draws near, we wanted to remind customers of other wireless carriers that there are ways to escape your existing cellphone contract free of early termination fees, and trade your piddling Verizon, Sprint, or T-Mobile bills for hundreds of pages of gloriously itemized AT&T charges. Or just switch carriers.  More Â»

—>Verizon has agreed to pay $21 million in a California class action lawsuit brought over early termination fees. The plaintiffs alleged that the fees violated California state laws. Next case: Sprint, which Californians are suing for the same reason.  More Â»

—>JetBlue promised Catie's husband in March that the $798 fare charged to fly his children from Austin to Boston included the unaccompanied minor fee. But when Catie recently called to verify the reservation, she was told that her children wouldn't be allowed to board unless she paid an extra $200.  More Â»

—>American refunded Josh's airfare after canceling his flight to New York, but not his $15 checked baggage fee. Though the fee is listed in their system, American won't issue a refund unless Josh sends a formal request letter along with his baggage claim receipt to Tulsa, Oklahoma.  More Â»

The current standby policies of 12 airlines. Free standby is going... going... [Dan's Deals]  More Â»

—>When you fly an ultra low budget airliner, you expect ultra low service, but even under that business model, it seems reasonable to assume that calling customer service won't take you to a phone sex line. Reader Barbara would agree. She writes:  More Â»

—>Chelsea noticed several mistaken charges on her Sprint bill for internet access, along with a late fee even though she was enrolled in automatic bill pay. Sprint quickly reversed the erroneous fees and suggested that she block access to the internet. Chelsea replied that this would be perfectly acceptable, so long as it was a free service. In response, Sprint signed her up for a $15 per month data plan.  More Â»

—>Discounting or pro-rating the early termination fees that cellphone companies love to tack on to their contracts is becoming more common, so we thought we'd make some graphs that show the strengths and weaknesses of the different policies. As you can see, T-Mobile 2-year ETF doesn't make any discounts until fairly late in the contract period — and their ETF of $200 is higher than either of the other two companies that offer discounts. (Sprint does not pro-rate or discount its ETF.) T-Mobile's ETF does, however, reach a point where their discounts are steeper than Verizon and AT&T's pro-rating.  More Â»

—>Want to get out of your T-mobile cellphone contract without paying a $200 early termination fee? Now you can. T-mobile is raising its text message rates August 29th to 20 cents per message. This counts as what is known as a "materially adverse change of contract." Under standard contract law, if one party changes the terms of the agreement in a way that financially harms the other party, then the contract is void. If the contract is void, so is any stipulation that you be charged a fee for breaking it (especially as technically they broke it first). You will have much better success arguing its a materially adverse change of contract if you are not currently in an unlimited text message plan. You don't have to wait until August to escape, members of the Slickdeals forums are already reporting success escaping without penalty. Stay tuned to The Consumerist for more information and tips on using this money-saving tactic.  More Â»

—>The Federal Reserve has proposed some new regulations that would, among other things, require banks to let you opt-out of the "overdraft protection" services that often result in consumers being charged large fees for buying one too many (or 6 too many) packs of gum with their debit cards. The Center for Responsible Lending thinks the programs should be "opt-in". Either way, without the overdraft program, your debit or atm transaction would be denied for non-sufficient funds and you would not be charged a overdraft fee.  More Â»

—>Reader Brandon sent us this picture of a McDonald's violating its merchant agreement by charging a fee for using a credit or debit card. The text reads, "FEE ASSOCIATED WITH CREDIT/DEBIT CARD OF 25¢ WILL BE APPLIED TO CARD TOTAL."  More Â»

—>Reader Gary used his Bank of America credit card to pay $2 on a parking meter in Washington, DC. Bank of America treated it as a cash advance and slapped him with a $10 fee, as well as a higher APR. When Gary called to complain, he learned that it wasn't an error: Bank of America has started treating payments to parking meters as cash advances and may even treat all payments to government entities as cash advances.  More Â»

—>The Center For Responsible Lending has put together a report that examines the disastrous effect of overdraft fees on Americans who depend on Social Security for all or part of their income. Despite the fact that they've had checking accounts all their lives (and presumably know what they're doing), each year older Americans pay 4.5 billion dollars in overdraft fees— and on average they actually pay more in fees than they receive in credit when the overdraft is triggered by a debit card transaction.  More Â»

—>Tmobile just announced that they will let early termination fees decline over the course of a contract. Previously, you had to pay the full monty whether canceled on the first day, or last day, of your contract. This chart shows you how the new fee breaks down over time:  More Â»

—>Time Warner wants reader Nancy, a 60-year-old English teacher, to pay $1,400 for ordering porn—including 17 flicks supposedly viewed on a single day. Nancy didn't order the porn, and has no clue how the charges were associated with her cable box, but one useless Time Warner representative suggested: "maybe your dog ordered them."  More Â»

Bookmark this: Rick Seaney has created a chart of all the airline fees and promises to keep it updated as the fees change. [Rick Seaney]  More Â»

—>Spirit Air will raise its fees for checking one bag, according to an email from the airline. On June 20th, Spirit will increase the fee for checking one bag from $10 to $15 if the checked bag is declared online, and from $20 to $25 if it is declared at check in. And Spirit's belief that any publicity is good publicity continues.  More Â»

—>Apple's new 3G iPhone might seem like a bargain at $199: more features, 3G speeds, and $200 cheaper than the original model. Great, except it's not actually cheaper. The new $199 iPhone is actually $160 more than the $399 iPhone it replaces.  More Â»

—>The FCC held hearings today to discuss early termination fees (ETF) for wireless carriers, the ~$175 charged if a customer exits contract before the contract is up. FCC Chairman Kevin "Golden Child" Martin's proposals largely mirrored those offered by the carriers themselves last month. Here's what he said today:  More Â»

—>You knew it was coming and well, it's here. United Airlines has announced that they will begin charging $15 for the first checked bag.   More Â»

Sprint doesn't charge Uncle Sam an early termination fee if he decides to get out of his cellphone contract early. Why? USAToday reports:  More Â»

—>Another Washington Mutual insider has stepped forward with a slew of tips to help save your ass from overdraft fees, check deposit holds, and talking to Filipino bankers. Details, inside...  More Â»

—>Employees at the Verizon store in Millington, Tennessee told reader Josh it would cost an extra $3.99 to pay his bill with cash. According to the employees, the charge was to offset the cost of "new money software."  More Â»

—> Reader Chris wrote in to warn us off Northwest's "Coach Choice" seat upgrade. On a recent trip, he was offered the opportunity to upgrade to a "Coach Choice" seat for an extra $30 per seat. He eagerly forked over $60 for two upgrades, and was shocked and angry at what that Northwest gave him in return. See what a "Coach Choice" seat means to NWA, inside.  More Â»

—>Michael canceled his Hilton Hotel reservation with less than 24 hour notice and got charged the full-room rate of $189. This post is not about that. Michael knows and accepts that this is the policy. Rather, this is about $25. The $25 "occupancy tax" the Hilton tacked on. Michael wasn't about to be charged an occupancy tax for a room he never occupied. After talking to three different people for two days, he finally got Hilton refund the charge. "I thought other readers may like to know about this story and to be on the look out for stupid taxes that aren't valid when you cancel a hotel room," Michael writes.  More Â»

—>Thanks to AT&T settling a recent class-action, the era of third-party scammers cramming consumers with fraudulent subscriptions to ringtone, hookup text and other stupid content services may soon be over. AT&T Customers can claim refunds for wrongful charges from up to 3 of their bills between 1/1/04 and 5/30/08. The lawyers will get $4.3 million. AT&T will now require subscriptions to 3rd party-services with recurring fees to be confirmed by responding to a text message. 3rd party services will also have to send a monthly reminder with unsubscribe info. The firm has filed similar suits against Verizon, Sprint and T-Mobile. Claim forms and more info at thirdpartycontentrefund.com.  More Â»

—>Finding a competitively priced airline ticket is tricky enough without each airline having its own myriad of fees and individual policies. Fortunately, the Airfarewatchdog blog lists most of the fees for the major airlines in one place. Combine it with their checked bag fee chart, and now you know all the fees. This makes meaningful comparison much easier. Otherwise, you might have to go through the entire ticket purchase process before you could figure out your total including fees. They are also "the only site that lists low airfares on all airlines, including Southwest. And [they] include special fares that you can only buy on the airline's own sites."  More Â»

—>Bank of America charged Jason three overdraft fees for the hell of it, even though his account balance never approached $0. Jason called the bank for an explanation, and was told that due to some mathematical wormhole controlled exclusively by Bank of America, he now owed $105. Tired of the bank's nonsensical jibber-jabber, Jason printed out his statement and headed to the local branch...  More Â»

Before leaving home, Shawn's bags weighed 44 pounds. At Chicago, the airport scale said they weighed 44 pounds. When lifting off from Phoenix, the airport's scales said the bag weighed 52 lbs, incurring at $50 fee. When he landed in Chicago, he weighed the bags again at the check-in counter. 47.5 pounds. "Her bag had lost 4.5 pounds on a 3 1/2 hour flight,” Shawn told Elliot.org. After writing a complaint letter, Shawn received a $50 voucher from American Airlines who defended their fraudulent scale by saying they were in "full compliance with the policies for scale calibrations." So apparently the policy allows for defrauding passengers. The voucher is nice, but I would want my actual money back. And what of all the other travelers who didn't pay attention or didn't complain? Pure profit.  More Â»

—>Forbes Traveler has put together a list of the top 10 most annoying airline fees, and it's a good one — or is it a bad one? Airlines are feeling the effect of skyrocking oil prices and they're trying their best to pass the costs along to you, their customers, without driving down demand. The result? These delightful fees. Gotcha!  More Â»

—>EECBs are scoring direct hits on HSBC and Best Buy. Reader Chad was having the same problem with his Best Buy credit card that reader Jason wrote in about. After he saw Jason's successful EECB he launched one of his own. Reade Chad's letter and Best Buy's response inside.  More Â»

Frontier Airlines has increased the fee for transporting antlers, yes, antlers, from $75 to $100. [Frontier via Rick Seaney]  More Â»

—>US Airways has decided that the $.03 per package that they were spending on your snack is just too much money! They're officially discontinuing free snacks for coach passengers as of June 1st.   More Â»

Some people think the BBB doesn't work. They do, but only if the company cares about keeping a clean record. See when you look up a company in the BBB database it shows you how many complaints have been filed against the company, how many were answered, how many did the consumer report as being satisfactorily resolved, etc. So if you have a valid complaint, file it with the BBB, and the company cares about its BBB record, you have a decent chance of getting a solution. You might not believe it, but it turns out Sprint is one of those companies. Here's Kevin's story of how the BBB got his erroneous text message charges refunded and let him leave contract early without early termination fee...  More Â»

—>Johanna deposited a financial aid check from her university into her Chase checking account. She'd done this before without incident, but this time something went wrong.   More Â»

—>AT&T has started having early termination fees go down each month for new contracts (old customers are still screwed). The $175 fee for canceling AT&T service before the end of your two-year contract will go down $5 every month. This means that even by month 23 out of the total 24 you will still pay a $60 fee. While the other providers have announced their intention to do the same, Verizon and AT&T are the only companies to actually have ETFs go down over the course of the contract. This should not be confused with "pro-rating," however, as the fee is not being divided proportionally. If it was, the fee would go down $7.30 each month and by month 23 you would only pay a $7.30 penalty.  More Â»

—>Sprint thanked Ryan for his tour with the Navy by charging him $0.75 per minute for airtime, resulting in a $500 bill. When Ryan complained, Sprint's customer service representatives called him irresponsible, and gently explained that they couldn't care less about his problem.  More Â»

—>Microsoft charged Bill $1,632 for a single Windows Vista Ultimate upgrade license. Each time Bill, an IT Manager, tried to his enter his payment details through Windows Live Marketplace he was told that Microsoft could not be contacted, and to "please try again later." What Microsoft really meant was, "Ha! Got your money! How 'bout some more?!"  More Â»

—>Jacob writes:  More Â»

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—>Scott McCartney, who writes the Wall Street Journal's "Middle Seat" column, has some thoughts about what consumers can expect from airlines, now that oil has hit $130 a barrel. He says that "he change in oil prices from a year ago to today translates into $24.6 billion in added fuel costs for passengers and cargo airlines on an annualized basis," which is more than the airline industry has ever earned— its best year saw $5.3 billion in earnings.   More Â»

—>Yesterday I walked away from Commerce Bank victorious: my entire balance in my wallet, my fees reversed, and my account closed. I had an account there that I just sort of kept as a "money in a book" account. You know, you hide money in a book on your shelf so you forget about it and one day when you really need some extra scratch you realize, hey wait, I've got that money in a book. Except this way I wouldn't run the risk of forgetting which book it was. In retrospect I realize that was kind of a half-stupid, half-smart idea. That's how I roll. Another way I roll is a little policy called, "You don't get to steal my money."  More Â»

—>For every debit or credit card transaction at Blockbuster, the company will now debit $1 to "test" your card. If the transaction goes through, they'll then debit the full amount of your purchase. Blockbuster tells us your dollar will be returned in 3-10 business days. Reader Jason says he rented a game on Thursday and hasn't gotten the dollar Blockbuster borrowed back yet. Will he get it before the 10 days is up?   More Â»

—>American Airlines has just announced that it will begin charging a $15 fee for the first checked bag starting June 15. The airline also said that it would raise fees for things like "reservation help" and "oversized bags."   More Â»

—>Reader Ophelia has a problem. It seems that after 10 years of perfect customer service from Bank of America, they suddenly decided to treat her checking account like a savings account and are charging her hundreds of dollars in "over use" fees. Her apoplectic letter is inside.  More Â»

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Jenn's checking account with Bank of America recently had a policy change designed to increase overdraft fees, and it worked: sometime between Friday night and Saturday morning she was hit with 6 NSF charges going back the previous 48 hours, because she was about 15 minutes late transferring funds into her account the day before. Technically she had broken the new policy, but Jenn hadn't realized or remembered that there was a policy change and she was taken by surprise. She decided to try to reason with BoA's corporate office about the fees, and explain why she thought they were unfair.   More Â»

—>Reader Holland asks:  More Â»

—>Bill, whose small business checking account had been inappropriately drafted $1500, sent us the following email late last night:  More Â»

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H&R Block says you paid it $2.8 billion to do your taxes this year. It was their best tax season in 9 years thanks to the company's decision to increase fees by 7%-9.8% [CNNMoney ]  More Â»

—>Reader Justin got hit with Delta's new $25 extra bag fee on the way home from his vacation to West Palm Beach. He turned to the dreaded EECB (Executive Email Carpet Bomb) to get his $25 refund. Let's listen in:  More Â»

—>Grab your wallets, American Airlines, United Airlines and Delta Air Lines have decided to raise "fuel surcharges" by $20 (round trip) reports the Associated Press. These charges now total $139 round trip on some flights.   More Â»

—>Some homebuyers are pissed because when the actual line item fees for various closing costs come in less than the estimation, their closing agents are simply pocketing the difference. How do you fight back? This article on LawyersandSettlements says,  More Â»

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—>What makes the next story about reader Pavel trying to get satisfaction from Chase executive customer service so interesting is that Pavel himself is Executive Assistant to the President of his company. He knows how executive customer service is supposed to work. As he puts in, he has the ability to "walk on water" within in his company. Which makes his experience with Chase, where they closed his account for having a zero-balance for less than a week, and then held his money hostage, all the more frustrating...  More Â»

—>DirecTV is a lying pack of liars. They told Ian that if he moved to a place where he couldn't use his dish, then they would let him out of contract without early termination fee (ETF). Well guess what? He moved to a place without a balcony or roof access. Double guess what: Now DirecTV says he has to pay an ETF and they say there's no record of all those reps telling him that, and that that's not part of their policy. Triple guess what: Ian called up DirecTV sales and recorded their sales rep telling him that they DO let you out of contract if you move to a new place where you can't use DirecTV. Are DirecTV retention reps just not versed on company policy, or are they a pack of scumbags? I dunno, but you know what they say, never trust a company run by a man in a mustache. Ian's audio recording and letter to the CEO of DirecTV is inside...  More Â»

—>Meg in New Jersey wants to know what's up with her Commerce Bank account. They say if you deposit a check before 6pm, the funds are made available that day—but when she did just that and then transferred the funds to another account, she was hit with a $35 "uncollected funds fee." She never got a straight answer out of the Commerce CSR, and although they refunded the fee, they told her she "could only get that refund once ever," as if to say it was her fault the fee was assessed.  More Â»

—>Passengers who purchased Delta tickets before the airline announced its new baggage surcharge can request a full refund thanks to Delta's contract of carriage. According to the contract, you "may request a full refund" if Delta makes a change that "materially affects the terms and conditions of your ticket purchase." Most travelers won't exercise their right to a refund, but if that planned vacation is starting to look a little too pricey, this tip is for you.  More Â»

—>Delta is now charging $25, if you want to check more than one bag starting May 5, but they're also backdating the fee. You can get it waived at check-in, but only if you bought between February 4, and April 4. This is of no help to reader Jason, who bought tickets back in January, and is now subject to a surprise $100 fee (he and his wife are both bringing two bags each). He writes, "If I would have known that when I booked I may have thought twice about Delta. I feel I was misled!" Jason tried emailing customer service but got nowhere. He might try sending them an executive email carpet bomb, based on the info in this post.  More Â»

—>Of all our random corporate screw-up stories, this is one of the funniest, if only because it's so random and so persistent. Oh wait, Kelly's out over $100 now and Comcast keeps debiting her account whenever they feel like it. Maybe that's not that funny after all.  More Â»

—>If IKEA has a 30% restocking fee on defective items that you tried in vain to assemble (twice) only to decide that you just didn't want the stupid thing anymore, we couldn't find any evidence of it on their website. Nevertheless, reader Drew says buying and returning (rather than exchanging) a defective bookcase cost him $60 and a sore back.  More Â»

—>Reader Erin found out that when HSBC says, "no minimum balance," they actually mean, "at least $.01." What seems like an innocent misunderstanding is actually going to cost Erin some time and trouble. It all began when she had to empty one of her HSBC accounts to make a large purchase. Because her account required no minimum balance she assumed all was well, until she went online and found out that HSBC had conveniently closed her account which can only be reopened in person. Erin writes:  More Â»

If you thought AT&T's $2 fee to pay a bill in cash in-store was bad, wait till it goes up to $5. The price increase is scheduled for later this year. [Red Tape Chronicles]  More Â»

—>The champagne is dry and crusty, and all the hundred-dollar bills used to light cigars have crumbled into ash. It's time to tighten our belts and get real about spending less and saving more. Here's 10 ways to save some serious cash...  More Â»

—>Minyanville has received a leaked copy of how a US Airways ticket will look after they apply some new fees that are currently under development...  More Â»

—>Delta's CEO, Richard Anderson, told reporters today that all airlines need to raise fees by as much as 20% "just to break even due to the rising price of fuel." His new bedmate, Northwest CEO Doug Steenland, piped in to say cost-cutting measures "have largely been exhausted"—and by "cost-cutting" we assume he means, "We can't find anything else to add surcharges to, except maybe the bathroom and the recycled oxygen, and we're not monsters."  More Â»

—>As their corpulent systems collide with increasingly harsh economic realities, airlines are making up more creative fees and charging for things that used to be free. Here's 9 of the worst offenders of the hidden airline fees, via Aviation.com.  More Â»

—>According to a recent press release, Dell is aiming to delight you with a new premium customer service offering—for a price.   More Â»

—>JetBlue announced its first quarter results today and while things aren't as bleak as they are over at United Airlines, the discount carrier said that it was struggling under the weight of its fuel bill and was going to modify its baggage check policy in order to remain competitive with other airlines.   More Â»

—>United Airlines announced today that they are raising their ticket change fee to $150—up from $100, "in an effort to combat high fuel costs."  More Â»

—>Fun fact, it seems like Commerce Bank employees only get one fee reversal per customer account. I had three fees, two cycle-service charges and an "account inactivity" fee. The supervisor agreed to waive the two cycle service charges but wouldn't budge on the inactivity fee. I popped back in a few days later and tried speaking to a different rep to see if I would have better luck. He wasn't able to do it for me and he was even surprised to see that the two cycle service charges were gone. "I've never seen more than one of them waived before," he said. "I guess they must have had two different people punch in requests..." So that sounds like the normal rule might be only fee reversal per employee per customer account. Just something to keep in mind should you be doing fee battle with Commerce Bank.  More Â»

—>John can't understand how Wachovia charged his startup $12 in fees for failing to maintain a minimum balance when his company never opened an account with Wachovia in the first place. Apparently, his former bank manager decamped to Wachovia and, without his permission, opened a new account "to ensure certain money rates," whatever that means. John isn't mad, and the bank manager agreed to close the account, but John is a little worried because a collections agency has started calling and the account now lists $24.05 in fees.  More Â»

Delta will start charging passengers $25 for checking a second piece of luggage starting in May, joining United and US Airways in instituting the new fee. [The Atlanta Journal-Constitution]  More Â»

—>Ashoka just found out that Bally never canceled his membership, even though they cashed his $50 cancellation check a mere 5 days after he mailed it to them last year. They've said there was no date on the paperwork, but Ashoka has a printout that proves otherwise. And they said they tried to contact him last year about the "problem," but not by phone—even though they called him promptly this month when he changed his credit card info and the automatic billing didn't go through. Bally, just admit it: nobody gets out, ever.   More Â»

—>Last week's news that the Westin Casuarina hotel in Las Vegas was surreptitiously charging conference attendees for the organizer's unpaid bill generated enough bad press that the Westin did an about-face this week, and sent out letters on Tuesday telling affected customers it is reversing the extra charges. A Westin spokesman said, "We've decided as a matter of customer relations to issue the refunds while continuing to pursue payment from The Coaching Center" in Austin, Texas. The Westin also says the refunds are an "effort to show our good faith," which we assume means "please don't sue us."  More Â»

—>Ticketmaster charged reader Keith $655 in convenience charges for two tickets to tonight's Rangers/Devils playoff game. Of course, the tickets in section 118 cost nothing, but we still won't give them the benefit of the doubt. Ticketmaster boasts that special brand of evil that wouldn't object to levying several hundred dollars in convenience charges to a free Raffi concert.  More Â»

—>Kiplinger tries to help you save money on your next airline "flight"—we have to put quotation marks around that word now, since the prospect of actually getting up in the air seems purely hypothetical at this point—with their latest travel article. A lot of the advice boils down to, "Find out what each airline charges extra for, then choose a different airline," but it's helpful to have everything in one article for a quick reference.  More Â»

—>Here's another reason to be glad you don't like college basketball—the NCAA charges a $9 fee for the privilege of maybe getting tickets to next year's basketball tournaments.   More Â»

—>Emily noticed that the weird puppet crap she was thinking of buying on Ebay would make her PayPal account explode:

I know shipping products can be expensive, what with the rising fuel costs and all, but this shipping charge from the UK to Utah is ridiculous! Maybe the seller's just padding the fee, I don't know. :)

—>ResortQuest hit William's wife with over $285 in fees when she canceled less than a day after making her reservation. Over $190 ostensibly went towards taxes, which raised William's eyebrow and led him to fire off an Executive Email Carpet Bomb demanding an explanation.  More Â»

—> Air Canada has heard you loud and clear, and they're going to start making sure they have decent customer service reps on-hand to help you the next time your flight is canceled, delayed, or re-routed. And you'll have to pay for it: "$25 one-way on short-haul flights and an extra $35 one-way on long-haul routes within North America."  More Â»

—> The Westin Casuarina Hotel & Spa in Las Vegas has begun charging an unpaid $50,000 convention fee to the attendees who already paid before they attended back in October. The company that set up the event, Austin-based The Coaching Center, hasn't paid its bill yet, and "president Suzanne Black said she was trying to arrange a payment plan when she was told by Westin management that the hotel would recoup the bill from attendees." Now people are finding charges anywhere from $600 to $1200 on their credit card bills. Even the Las Vegas Convention and Visitors Authority has said this isn't standard practice, but Westin says it's got fine print that proves it can hold you liable for any charges left unpaid on your visit.  More Â»

—>Reader M has forwarded us a memo from Delta detailing massive fee increases for unaccompanied minors, pets, gate checked strollers, "administrative service charges," curb-side check in and more.   More Â»

—> Last year's class-action settlement against Mastercard, Visa, and several banks over the fees they charged customers who traveled abroad came up to about $336 million, and of that, 31 law firms are claiming a total of about $86 million for fees. The federal judge responsible for determining how much they get paid wants to know why.   More Â»

—> It's finally official: as of May 25th, AT&T will join the ranks of the pro-rating carrier crowd (which so far just includes Verizon) and start reducing their early termination fees (ETFs) by $5 per month on both one and two-year contracts. This only applies to new customers and those renewing contracts on or after May 25th, so if you can, try to hold off on entering into a contract with AT&T for the next two months. What up, Sprint and T-Mobile? Why is it taking so long for you to pro-rate your ETFs? We guess you're too busy going out of business and suing creation, respectively.  More Â»

—>Reader Michael says:

I moved into a new apartment last month, and just received my first electric bill. It is run through a company called AUM Inc. (aum-inc.com), on behalf of my apartment complex. I went to pay the bill online (as I prefer to pay my bills) and I noticed something on the page. In fact, it's on the page no less than 5 different times.  More Â»

—> After hearing about Hannaford's giant customer data breach yesterday, Brian decided to cancel the debit card he'd used there. That's when he found out that Key Bank really wants you to have a debit card. In fact, they'll charge you a small monthly fee to not have one linked to your "free checking" account. We figure that this means Key Bank makes about $12 a year more off of customers who have linked debit cards—and that if you want greater security on your account, it's going to cost you.  More Â»

—>I'm sick of paying ATM fees so I just finished switching to my USAA debit card for my cash money needs. They refund up to $15 of ATM fees per month and don't charge you any fees for using other people's ATMs. I'm still keeping my WaMu account but I took my WaMu debit card out of my wallet and just funded my USAA account with some money. Not that I have a problem but I think this will also help reduce petty cash spending. Plus, by using cash more often that means I'm getting more change, and all my coin change goes into my piggy bank (60% full at the moment, looking forward to the day I take it to the Commerce Bank "Penny Arcade" coin-counting machine). With the specter of a recession giving us all wet willies, are you making any changes to your personal finance system?  More Â»

—> Allen Harkleroad of GMP Services writes, "A warning to all Sprint corporate customers that have dedicated access (T1's, etc.) if you are out of contract Sprint may be gouging you and claiming outrageously high local loop charges as the cause."   More Â»

—>Retentions representatives are the cellphone company's last line of defense between you and freedom. One brave retentions representative has come forward to teach us how to craft a direct, earnest request that will lead retention reps to do your bidding. Rivaled in effectiveness only by executive customer support, retentions reps are empowered to strike down nuisance fees and bargain liberally, all to keep you as a customer. If you were ever tempted to threaten your cellphone company with cancellation, this one is a must read.  More Â»

—> In a letter to Sprint, AT&T Mobility, and T-Mobile, Sen. Amy Klobuchar (D-Minn.) has asked the companies whether or not they're going to start pro-rating their Early Termination Fee policies as promised, reports RCR Wireless. "Sens. Klobuchar and Jay Rockefeller (D-W.Va.) are co-sponsors of a sweeping wireless consumer protection bill" that carriers are against. In her letter, Klobuchar writes, "It is time for the wireless companies to adhere to the assurances they made to the American consumer and start pro-rating these fees." In response, Sprint said by the end of Q2 2008, T-Mobile said the first half of 2008, and AT&T Mobility said nothing at all. (Verizon already pro-rates their ETF.)  More Â»

—> Does AT&T really charge a $25 "activation fee" when you move your SIM card to a GoPhone? A father had to replace his child's broken cellphone over the weekend, and the rep at the AT&T store told him the only way to avoid an ETF or plan extension was to buy a GoPhone and pay an activation fee, even though the SIM card was the same. Online, you can buy a new GoPhone and have the activation fee waved. Way to treat your current customers, AT&T.  More Â»

—> Don't say we never printed anything nice about you, BoA. One of your customers just had an experience with you that—despite still having an overdraft fee of $20 to pay—has left her feeling pretty good about you.  More Â»

—>Royal Caribbean and Celebrity Cruise Lines will refund fuel surcharges to customers who booked their cruises before November 16th, says the Orlando Business Journal. Passengers who have not yet sailed will receive their refund in the form of onboard credit.  More Â»

In response to yesterday's post, another AT&T employee writes, "Just to clear up some confusion, AT&T may charge an administrative fee when paying your wireless bill with a representative. There is no charge to use the automated payment systems. The source for this is the tagline on my bill."  More Â»

—>The Red Tape Chronicles reports bank fees are so hard to find that even the government can't find them. A recent investigation by the Government Accountability Office released this week couldn't find the fee schedules at 1/3 of the nation's banks. Not only does this make comparison shopping impossible for the consumer, they're breaking federal law, the 1991 Truth in Savings Act and Federal Reserve Regulation DD, which requires fees to be posted clearly and conspicuously. Violations are rarely punished with any severity, meaning, as Red Tape Chronicles writes, "it's far more likely that you'll get a parking ticket for breaking parking rules outside a bank than it is the bank will be fined for disobeying federal lending laws."  More Â»

—> An anonymous AT&T employee who says to call him "Vernon" wrote in to tell us that starting next Tuesday, March 11th, some customers in the Southeast who call in to make a payment will be charged $5, with the fee going nationwide by May. He writes, "I feel this is taking advantage of our customers' trust, because even when we put it on all of their bills, and let people know, there will be tons of reps that won't let the customer know they're being charged for taking their payment."  More Â»

—>Reader Michael signed up for a new free checking account with WaMu and the person who opened the account for him (accidentally?) enrolled Michael in some sort of bullshit coupon program that costs $5 a month. Now WaMu has charged him a $10 early termination fee and is refusing to refund it.  More Â»

I made an electronic payment online with my one of my bank's check card. Turns out this was the wrong one, and I immediately canceled the payment (as there's a very easy to find and large button allowing you to do this immediately as well), and resubmitted it through the correct bank. So, to sum up, the payment was made, about two weeks before it was due. I figured all was cool and I was being a good customer for paying more than the minimum balance, way ahead of the due date, online, so there wouldn't be any "problems" with a check or the postal service. Then I look on my statement and I've been charged a $35 Returned Payment Fee.

—>Uhaul is going to start charging customers a $1-$5 fee to defray the cost of throwing away the various nasty junks associated with its rental business, according to an anonymous store manager. It will be called an "Environmental Fee." Ok, whatever, but we like the rebuttal supplied in the Q & A for Uhaul managers in case a customer complaints: "Do you want clean air and water thirty or fifty years from now? If so, pitch in." Nice, avoid raising upfront prices and get customers to cover your operating expenses through the power of guilt. Full text of the announcement, inside...  More Â»

—> Michael writes, " I was just reserving a budget rental car, and for some reason decided to actually read some of the fine print." Buried in the text was something called an "FTP Surcharge," which basically amounts to a participation fee for any frequent flyer promotion they offer their customers.  More Â»

—>Reader ds143 wrote in with a reminder to ask hotels about added fees before reserving a room. He booked a six-night stay at the Comfort Suites in the Bahamas for his family of four without realizing that the hotel levied a $6 per person, per night "energy surcharge." The financial sucker punch set ds143 back $144.  More Â»

—>If you find yourself identifying with those dames in movies set in the 19th century who always travel with a stagecoach full of steamer trunks, you won't like US Airways new policy. Starting May 5, US Airways will levy a $25 fee against passengers checking a second bag. United Airlines announced the same thing earlier this month, and is also starting the fee on May 5. We can expect to see more and more of these fees as airlines struggle to make money, making it even harder to comparison shop for tickets. As Upgrade: Travel Better notes, no airfare search engine is equipped to take add-on fees into account (hello, market opportunity somebody?). Inside, the email US Airways sent out to its passengers.  More Â»

—>There was a NYT op-ed last week, "Go On A Savings Spree," suggesting that, as opposed to the tax-rebate stimulus, the best way to heal the economy is for the government to create universal mutual funds for every tax-payer. At one point, author Dalton Conley writes, "Some research suggests that asset-holders behave more responsibly and are more civic-minded than those without wealth. After all, they have a stake in the future of the economy and their community...Investing motivates people of all income levels to defer gratification and become knowledgeable about the economy and society."  More Â»

Today United Airlines raised most of its domestic fares by $10 roundtrip. Maybe now their flight attendants can start answering call buttons again. [Reuters]  More Â»

—>A $22.43 sack of burgers turned into a huge pain in the ass when Burger King accidentally debited $2,243 from Bryan Sampson's bank account, leaving him overdrawn and unable to use his debit card lest the overdraft charges keep piling up. Burger King said the manager wasn't available to correct the mistake because it was a holiday weekend... but the local media was happy to answer the phone.  More Â»

—> Fodor's posted another helpful list of hidden hotel fees to beware of the next time you travel. In most cases, these fees fall under the practice of "negative option billing," meaning that there's an assumption you've used the related service and therefore agree to the charge. If that's not the case—or, in the case of gratuities, if you've already tipped—you should definitely ask the hotel to remove such fees from your bill.  More Â»

—>Everyone with an ATM card is used to paying withdrawal fees when using another bank's ATM and it's no big deal, it's only a buck or so, and the ATMs are so convenient. If that screen said, "This ATM will charge you $4.75 to withdraw money," you might look around to make sure you hadn't accidentally stepped into a casino or strip club. But since many banks charge you an extra per-transaction punishment fee for using another bank's ATM, that's exactly what's happening. You just don't notice because it gets lumped together into one ATM fee on your bank statement. Not only that, but these fees are slowly and steadily on the rise, as seen in this NYT graph. Average ATM surcharges by "other banks" have gone up from $.75 to $1.75 from 1999 to 2007. Average punishment fee for cheating with another bank's ATM has gone from $2.00 to $3.00 in the same period. Obviously, one way to beat the fees is to only visit your bank's ATMs. Another is to bank with a place like USAA, which refunds other bank's ATM surcharges. Any other solutions out there for ending the fee spree?  More Â»

—> More about Bank of America's inexplicable rate hikes against good customers who never pay late: the Charlotte Observer talks to some recent recipients of BoA's infamous rate-increase letters from the past few weeks. The first person they talk to is a 60-year-old woman who "had never been late on a credit card payment, just refinanced her home at a lower interest rate, and just been rewarded by her credit union with a lower rate on her credit card there." Bank of America just raised her card from 13% to 24.99%.   More Â»

—>Broken homes, take note, starting February 17th, Continental is raising the unaccompanied minor fee to $150 round trip, or $75 each way, up from $50 one way. Tipster Barbara, who is sending two of her kids to visit family this weekend, writes that it's, "almost cheaper for me to fly with them than to send them as unaccompanied minors!"  More Â»

—>8 out of 12 AT&T customer service reps don't know their company's own early Early Termination Fee (ETF) policy. Consumers Union, publishers of Consumer Reports, called up AT&T to inquire about the policy and got several different answers. Some said that the ETF was halved after the first year of contract, while others said it went down each month. In fact, while AT&T has talked about switching to a pro-rated ETF, they haven't yet. Whether you cancel service 1 month into or one month before the end of contract, it will cost you $175. Consumers Union called the other major cellphone providers too, and they gave out the right information. Couple this news and the story yesterday about reps giving out wrong information about upgrading to a new iPhone locking you into a new two-year contract, and it plum looks like AT&T has a serious front-line rep training problem.  More Â»

—> BusinessWeek has just published an article about Bank of America's recent surprise mailings in January to some of its customers, announcing "that it would more than double their rates to as high as 28%, without giving an explanation for the increase." These customers have good credit scores and hadn't made any late payments, and those who called Bank of America to ask why this was happening weren't given clear reasons. Industry experts say Bank of America has reached a "new level" of "lack of transparency in raising rates," beyond anything Citigroup and JP Morgan Chase currently practice, because BoA is apparently using some undisclosed internal metric to determine who gets the rate hike.  More Â»

—>"ISPs create tangled Web of sneaky fees: Companies use hidden charges to generate revenue in competitive industry" is an excerpt Bob Sullivan has published from his new book Gotcha Capitalism. For example, in 2006, the government dropped the federal Universal Service Fund (FUSF) fee on DSL, which meant providers could now charge less, right? Verizon turned around and quickly replaced the FUSF with a new "Supplier Surcharge" fee. Sneaky sneaky.  More Â»

—> When Capital One "closes" your credit card account, they'll continue to allow automatic withdrawals even though the account is closed. But they won't send you a statement—you know, because it's closed!—so that you'll end up with late fees. Quenten experienced this first hand when he closed his account recently, and now Capital One has sent his account to collections over a $38.00 late fee for two 38-cent charges that he never knew about.   More Â»

—>Can't fit it all in one suitcase? United is going to start charging passengers a fee for checking more than one piece of luggage, $25 per bag. Elite frequent flyers will skip the charge. The new policy begins May 5. It's certainly one way to pass fuel costs on to passengers using more fuel, without raising up-front fare prices.   More Â»

Cablevision is charging customers $40 to keep their old phone number when they switch over. When questioned, they lie and say they're simply trying to recoup the number port fee charged by the previous provider. [Consumer Reports via Broadband Reports]  More Â»

—>A DirecTV CSR claimed that reader Mark changed his installation by following troubleshooting instructions to unplug and reconnect his box, and now owed $79.95. Mark, who paid $6 per month for DirecTV's protection plan, refused to pay the fee and asked to cancel to his service.  More Â»

—>For products that don't kill you, we usually pay 6.9%, but for some states have seen fit to tax cellphones at exorbitant rates, like Illinois' 21.05% or New York's 21.71%. Why? Probably because people don't notice or complain very much and so the states get tidy chunk of extra revenue. One Forbes writer who moved from New York to L.A. was still stuck paying New York taxes, the highest in the country. When he complained, Verizon said they couldn't do anything because they link area of primary usage to your area code. If he wanted to pay L.A. rates, he would have to get an L.A. number, and give up his New York number. Instead, he went and bought a phone in Idaho, provided an Idaho address, and switched to paperless billing. Now he enjoys the small potatoes rate of 7.71%. He admits that this "probably crosses the line." One must also admit that cellphone taxes have crossed the line, as have cellphone companies that shortcut the Mobile Telecommunications Sourcing Act by determining the "area of primary usage" based on your area code or billing address, instead of detecting where you actually use the phone the most. Inside, a list of cellphone taxes by state.  More Â»

—>Moriconi writes in to tell us how he was able to save $950 this week by uprooting the hidden fees and renegotiating the things in his life he was paying too much for. Awesome! Here's his true story:  More Â»

—>Last week, a United Airlines flight from the US to Tokyo cost $400, plus $300 in fuel surcharges. Airlines say they're passing on higher fuel costs, but some see it as an excuse to jimmy a hidden fare hike. The Los Angeles Times writes, "You can argue forever about whether this is justified, but how they are doing it shows their worst nature," [Joesentme.com, a business traveler website] said, noting how, for instance, a surcharge is not eligible for a corporate discount." Companies love to stuff their operating costs into the fees, taxes and surcharges on your final bill. It means they get to advertise artificially low prices, lure deal hunters, then soak them later.  More Â»

—>Some small towns, pissed at having to use town resources on accidents mainly caused by out-of-towners, are now fining non-locals if they get in a smashup. Erlanger, Kentucky is one such town. Four major highways intersect there. They charge drivers $14 for the first 30 minutes a cop is there and $7 for every 15 minutes after that. Insurance companies aren't always covering the cost of the fee, and so the bills get sent to the drivers. This could lead to a perverse situation where locals try to cause accidents in order to raise money for the town coffers.  More Â»

—>Somehow, an arbitrator has approved a massive $1 billion class action lawsuit against Verizon over their early termination fees. In letting the lawsuit proceed, the arbitrator wrote, "...millions of class members are entitled to adjudication of the central common questions of fact or law in this arbitration related to whether the $175 early termination fee imposed by respondents Cellco Partnership d/b/a Verizon Wireless ... is based upon an unenforceable liquidated damage clause." With cellphone companies switching to prorated ETFs and the rise in ETF-related lawsuits around the country, one wonders if we won't see the death of ETFs in the next few years. By that time, cellphone companies will have figured out a new technique to keep people from leaving their contracts.  More Â»

—>A story in Bob Sullivan's new book Gotcha Capitalism shows one of the first points when companies realized they could make more money by getting rid of their customers. The year was 1995, and First National Bank of Chicago decided to charge customers a $3 fee for talking to a teller. The move was lambasted in the press and by comedians, and analysts predicted a severe decline in profits as customers fled in protest. Instead, First National Bank's percentage of customers producing an "adequate return" went from 33% to 45%, and profit went up 28%. How does this work? Bob writes:

...satisfying the right customers is the goal, but pissing off the wrong customers is equally important...[D]epositors with large accounts were exempt from such fees...Only irritating customers with tiny bank accounts who asked a lot of questions went elsewhere....Chasing away undesirable customers with outrageous fees has been an important element of the banking business ever since.

—> Did you know that if you request a repair under warranty for an appliance you bought at Best Buy, and the repair isn't made, then Best Buy will charge you a fee?   More Â»

—>JP Morgan Chase and Bank of America now charge $3 for non-customers to use their ATMs. Wachovia increased fees at a potion of its ATMs, and the average fee that your bank charges you to use another bank's ATM has risen as well.   More Â»

Starting March 11, Comcast will begin charging a $3.99 "human interaction fee" if you want to pay your bill by talking to a live operator. [The Oregonian via DSL Reports]  More Â»

—>Until now, we've been telling people trying to escape their cellphone contract without early termination fees based on a raise in text message prices that it's necessary that they don't have a text message plan. However, reader Mtman says he used a novel argument to get out of his Verizon plan, even though he did have a text message plan!   More Â»

—>AT&T is raising the rates for sending text and picture/video messages to 20 and 30 cents, respectively, giving customers a chance to break free of their contract without early termination fee if they use the now-classic "materially adverse changes to contract" argument. Inside, how to deploy that tactic, as well as the text of the rate change notice.  More Â»

—>Banks love graduation almost as much as parents. You're finally on your own, able to afford food, rent, and beer, so why shouldn't the banks—the kind, selfless banks that let you save while you slaved for knowledge—now sink their teeth into your anorexic accounts for a hearty bite of their own? FiLife compiled an excellent list of bank policies so students know how their institution plans to celebrate their impending graduation.  More Â»

—>Seeing that a $50 fuel surcharge wouldn't stick, airlines backed down from it, only for most of them to roll out a $40 surcharge. As of now, of the legacy carriers, only Northwest and US Airways have yet to match the increases. Based on how these things trend, airfare bloodhound Rick Seaney expects Northwest and US Airways to pricematch over the weekend. So, if you like flying either of those two airlines as opposed to the budget airlines, buy your tickets now.  More Â»

—>In a move meant to promote reducing congestion, the DOT yesterday announced that airports can now charge airlines landing fees based on time and overall airplane volume, rather than simply their weight. Critics charge the previous policy allowed airlines to schedule flights on smaller and more regional jets during busy times, when what were needed were fewer and larger jets.The move would allow airports to schedule their flights throughout the day. Most likely the fees will be passed on to consumers, as they should. A good way to increase in a system is to make those who want to use its resources when they're in short supply pay a premium. Airlines are expected to lobby fiercely against the measure.  More Â»

—>All of the legacy airlines, with the exception of Northwest, have matched United Airlines $50 roundtrip fuel surcharge announced Friday. Airfare maven Rick Seaney says that Northwest is usually the last one in when it comes to price increases, but if they don't follow suit by tomorrow, then the other airline could begin to wobble and drop the surcharge.   More Â»

—>United Airlines will increase the fuel surcharge on roundtrip tickets to $50, a new industry high. "Every penny increase in a gallon of jet fuel costs our industry $195 million annually, and while we operate more efficiently, we must be able to pass commodity costs on to customers, as other industries do," said UAL spokeswoman Robin Urbanski. The new surcharge is more than double the previous charge. Other airlines haven't yet commented on whether they will match the move. Just another reason to not fly United.  More Â»

—>Victory has found the reader reader who couldn't get any calls on his Tmobile phone, and yet they wouldn't let him leave service without paying the dreaded Early Termination Fee. First he called the Retentions department number we gave him. They said they would cut the fee in half, but still charge him. "Considering the amount of time I spent on the phone, they should be paying me," wrote Evan. Then one of Tmobile's PR people stepped in, waved a magic wand, and now Tmobile is doing what they legally should have done all along, let Evan go without charging an ETF.  More Â»

—>Evan sent the following complaint letter to Tmobile's CEO:

I am a T-Mobile customer from Miami, FL. I am writing you to report the unconscionable treatment I have received from T-Mobile over the past six months. For the past six months I have received no cellular reception in my area. After repeated calls and technical checks, the T-Mobile technical team issued a report stating that there is no coverage in my home and T-Mobile has no intention of upgrading the service in my area. I was initially told that upgrading my equipment to a new phone may resolve my issue. After a contract renewal and significant expense for the new equipment, my service is no better than it was previously.

—>Verizon customers can escape their contract without paying an early termination fee, thanks to a recent text message rate increase. The cost for people without a bundled message plan went from 15 to 20 cents, and this constitutes what is known as a "materially adverse" change to contract. That means they're giving you a new contract and you have a new opportunity to say yes or no to it as they want you to pay more than you agreed to in the first place. This post on SlickDeals gives you the play by play you need to cancel without paying termination fee. Print out their post and keep it in front of you when you call. The poster on the forum says that using his techniques, he's already canceled five people's accounts for them.  More Â»

—>The nation's largest concert promoter, Live Nation, is ditching Ticketmaster to build its own ticketing system. Live Nation may not be as soul-crushingly evil as Ticketmaster—we hear they issue refunds!—but their goal in breaking away is to squeeze more profit from customers by hawking "additional merchandise."  More Â»

—>Sprint wants Tracey Stewart to keep paying her dead father's cellphone bill. Sprint is not completely heartless: they offered to cut his monthly rate to $10 until the contract expires in September.  More Â»

Reader gets $200 refunded, a rate cut on her home equity line of credit, and a personal apology after using some of the Bank of America email addresses we posted. [Pamela Kruger]  More Â»

—> Mike and his wife are backpacking their way around the world, and like a smart consumer, before they left he looked around for a credit card without a currency conversion charge. Capital One is fee free, which in theory makes it ideal for travel. In reality, there are hidden costs, and they're called human stupidity and random interpretation of the rules. As a consequence, he's "pre-paid" $6,000 onto a Capital One card that has been red-flagged and frozen, and Capital One refuses to budge—even though they acknowledge there are notes on the account that indicated he would do this before he did it, and even though they're the ones who told him to pre-pay.  More Â»

—>A Consumerist reader reports his success with escaping Sprint without paying an early termination fee by calling the Sprint Consumerist Executive Help Line (703-433-4401), who were the only people who didn't give him a line of bull when he called. He argued that the new fees Sprints was imposing were a material change of contract (see "Sprint Mails Customers A "Get Out Of Sprint Free" Card") and thus voided his agreement so he could now switch carriers and port his number without penalty.   More Â»

—>Bankrate has an extensive article on "courtesy overdraft" services tied to debit cards. These services prevent your debit card transactions from being denied, but have the unpleasant effect of charging you anywhere from $20-$35 for this "courtesy."  More Â»