More Money

The personal finance blog of MONEY magazine

"UPS lost my $375 package!"

January 9, 2009: 6:22 PM ET

Question: I recently used UPS to ship a package valued at $375. The employee at the UPS customer center filled out the shipping label for me, but never asked about the value of the package's contents. The shipment was lost in transit, and UPS is telling me that they will only reimburse $100 (plus the shipping cost of $18.95) because I did not declare a value on the parcel. I feel they are at fault and should be responsible for the full amount. Do I have a leg to stand on? – Dave Bock, Hooversville, Pa.

Answer: Since only you and the UPS clerk were present when you shipped your package, this could have been one of those he-said-she-said situations that are never resolved. But the circumstances surrounding your dispute provided you with some extra leverage.

When I called UPS, spokeswoman Ronna Branch told me that employees at authorized UPS shipping outlets – like the one you used – are explicitly trained to let the customer fill in his or her own shipping information. In your case, the clerk filled out the information for you and never asked about the value of the package's contents – a fault in communication that the corporate offices at UPS now acknowledges as a mistake. This didn't guarantee reimbursement, but it gave your dispute a harder look.

Another important detail you had going for you was your own shipping history. During their dispute investigations, companies like UPS sometimes look for outliers from a customer's usual shipping history and preferences. Your record of shipping high-value shipments with excess insurance coverage helped convince UPS to agree on reimbursing you the full $375 value of your lost package.

Tip: A few simple precautions can assure a problem-free reimbursement in the future. Just because this particular UPS clerk forgot to ask you about the package's value – let alone have you fill out the label on your own – obviously does not mean that you shouldn't bring it up yourself. Furthermore, creating a UPS account can help you sidestep this problem next time. Account holders can fill out label forms online (the question about insurance will come up automatically) and print the label right from home.

Reporting by: Alex Horowitz

So far Money Helps has saved readers $197,264.03.


Having a financial nightmare? E-mail Donna Rosato at money_helps@moneymail.com

  • "My credit card was canceled!"

    Question: Because I haven't used my oldest credit card for a year, HSBC says it's closing the account. I'm afraid this will hurt my credit score. Help! -- Nevena Georgieva, Chicago

    Answer: Credit-card companies lose money on dormant accounts, and as they feel the economic pinch, they're more apt to close them. Unfortunately, as you suspected, closing your oldest card can lower your credit score. The length of time your accounts MORE

    - Dec 19, 2008 9:17 AM ET
  • "My ex-husband stole our son's identity"

    Question: My 20-year-old son applied for a Macy's charge card but was rejected. When he ordered his credit report, we discovered that my ex-husband, who has the same name as my son, opened a Comcast cable account using our son's Social Security number, then neglected to pay $453 in charges. How can we fix this?  - Name Withheld, Fla.

    Answer: Identity theft is frustrating enough to deal with, but even worse MORE

    - Oct 27, 2008 11:16 AM ET
  • Suckered by a pyramid scheme

    Question: I invested $1,000 with a company called MTE in 2006. At a church meeting, MTE claimed to invest in securities and promised a monthly return of 25%. Before I got any payment, the state froze MTE's funds, saying it was a fraud. Will I get my money back?  - Steven Collins, South Holland, Ill.

    Answer: Oh, dear! You let yourself get snared in a classic pyramid scheme, where scam artists MORE

    - Sep 25, 2008 5:32 PM ET
  • 'I'm getting the runaround on a rebate!'

    Question: I bought a cell phone from Alltel with a $100 mail-in rebate. I sent in all the paperwork but never got the money. When I called Alltel months later, the company told me it never got my form - and I could no longer submit it because the rebate had expired. Help! - Geert Audiens, Cary, N.C.

    Answer: Businesses lure consumers with billions of dollars in rebate offers every MORE

    - Aug 19, 2008 11:08 AM ET
  • Our auto insurance was supposed to cover rental-car accidents. It didn't.

    Qustion: Our rental car was sideswiped by a tour bus when my wife and I were on vacation. We rented the car from Dollar, but we declined insurance because we have an auto policy with Safeco and a rep said we'd be covered if we had an accident. Safeco paid most of the $4,000 claim but refused to cover charges for what Dollar said was the car's diminished value, loss MORE

    - Aug 4, 2008 9:53 AM ET
  • 'Should I pay a fee to recover $14K in lost assets?'

    Question: My wife was contacted by a firm called Keane Tracers that told her my mother-in-law, who passed away in 2001, has a mutual fund worth $14,000. For 25% of that amount, Keane will do the paperwork to get us the money; for 15% it will tell us where the money is so we can recover it ourselves. Then the company sent us a contract quoting 35% for full recovery MORE

    - Jun 27, 2008 10:13 AM ET
  • 'I owe $150 to cancel cell service that doesn't work'

    Question: I signed a two-year contract with Sprint for my cell phone. A year and a half later, I moved to a new home a few miles away in the same city. I can't seem to get a signal inside my house, which is a problem since I don't have a landline. Sprint told me to upgrade the software on my phone, but that didn't help. So I switched to MORE

    - May 29, 2008 10:22 AM ET
  • 'I'm paying for a newsletter I never wanted'

    Question: I saw an interesting health book advertised on TV and bought it over the phone. When I got my credit-card bill, I noticed a mystery charge of $5.95 for an e-newsletter from the same company, Natural Cures. When I called to cancel, the lines were always busy or I was put on hold and never helped. I've been charged for six months for a newsletter I never wanted! MORE

    - Mar 31, 2008 5:03 PM ET
  • 'I got a box of beans instead of a hard drive!'

    Question: My husband and I bought a $300 hard drive from Best Buy, but when we opened the box, it was empty except for three bags of dried beans! We immediately called Best Buy, but the manager said the store wasn't responsible and I should call the manufacturer. When I did, the manufacturer pointed blame back at Best Buy. Finally, I called Best Buy's corporate office; the customer service manager MORE

    - Mar 4, 2008 9:57 AM ET
  • "I was billed for another guy's trip!"

    Question: I used my Capital One credit card to buy plane tickets for a trip to India through my neighbor, who is a travel agent. When I got the bill, I noticed I was also charged for the next customer's flights - which cost $2,400! My neighbor quickly realized that there had been a glitch in her computer, so together we contacted Capital One. The company asked us to MORE

    - Jan 28, 2008 6:24 PM ET
  • "We got hit with a $400 fee for cashing in our CD!"

    Question: My husband and I had a six-month CD with Countrywide Bank at a great 5.55 percent. News of the company's subprime troubles concerned us, so when the CD matured in September (value: $37,745), we decided to cash it in. We mailed the form during the 10-day grace period and waited. No check. Upon calling, we were told that the bank hadn't gotten the form and that the funds MORE

    - Jan 7, 2008 12:26 PM ET
  • "A lender's error is killing my credit!"

    Dear Money Helps: Two years ago, my mortgage company applied one of my monthly payments to someone else's account by mistake and reported to the credit bureaus that I'd been 30 days late. My credit score plunged 150 points as a result. Earlier this year I got EMC Mortgage to admit its error, and the firm promised to notify the credit bureaus. But my score hasn't budged. I need to MORE

    - Nov 15, 2007 2:33 PM ET
  • "We never got our wedding photos!"

    Dear Money Helps: My husband and I were married in March 2006 in California. It was perfect except for one thing: We still haven't received our wedding album! We hired a photographer a friend recommended and paid him $2,300 up front. The first three times we called, he promised to send our photos. Then he told my husband he couldn't afford to print our album. Now he won't return our MORE

    - Nov 2, 2007 10:17 AM ET
  • "I can't close my trading account!"

    Dear Money Helps: I opened a brokerage account for my son at Success Trade Securities for a school project. He lost most of the money - and his interest in stocks. I tried, first online and then by letter, to sell the shares and close the account but heard nothing until January, when I was hit with a $50 inactivity fee. What gives? - Doug Munro, Warren, Mich.

    Answer: No MORE

    - Sep 26, 2007 11:55 AM ET
Most Popular
Stocks: Greece threatens to derail the rally
 
Top 10 counterfeit goods
 
First Premier's $400-a-year credit card
 
12 greenest cars of 2012
 
Apple goes after Motorola and Google with legal guns blazing
 
Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2012 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2012 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2012. All rights reserved. Most stock quote data provided by BATS.
Powered by WordPress.com VIP.