Did anyone get paid yet? I received an email that we would get paid after 1PM CST. Just curious if anyone has received it yet.

I just checked. Not there for me.

I cannot understand why this is difficult for Maritz.

No direct deposit for me, either. Luckily I was able to modify my auto bill pays. And as for calling our bank to see why we didn't receive the deposit, my bank said it is because they have not received the deposit from Maritz.

Nothing here either...

I had four payments hit yesterday and the post in "our account" in Maritz showed that the payroll was supposed to have been done last week.1:00 yesterday no money, and all the way till midnight no money so now the bank is hitting me with three overdraft fees! I can't afford to lose a hundred dollars+! so I'm a little upset. Now at 4 am they let the money in but took 36*3 of my hard-earned money! Well, my husband's money. I haven't even got my check yet and my check is more than his!!!

Edited 1 time(s). Last edit at 10/16/2019 04:24PM by F and L TeleComm.

So my question to Maritz is - why did you send out an Email alerting shoppers as to when expect the Direct Deposit and then, after it does not happen, no Email of explanation?

Also, where is the Maritz guy who answers these questions?

Last of all: You expect your Independent Contractors to perform these shops correctly and most importantly in this particular case, ON TIME! Why do you get to be the exception?

I received mine today.

I’m about to do several shops. I hope being paid won’t be an issue as I have never done any shops for them.

Hopefully it won’t

No, they are a highly respected MSC and they pay very quickly (as compared to industry standards, anyway).

First of all, Maritz always pays. I don't believe they intentionally do these things. But I do believe they can do better. It's very unfair to pay us religiously on one date then all of sudden start paying one day late and telling us at the last minute or after the fact, "oh I'm sorry" but your bad! So who is going to pay these overdraft fees??/

I am so angry right now. Maritz states that they put the direct deposits out last week for deposit on the 15th. The bank swears up and down that there was no date on it! I have accounts with Suntrust and with Robins F. Credit Union. Neither one cleared the deposit until today. I called Suntrust and they swear that there was no release date on the deposit that they don't put it out until they get it. They swear that the problem lies with the depositor and not with them. So was the email sent out when they realized that the deposits were going to be late as a reassurance that payroll was sent when they knew already it was going to be late? So basically they knew it was a lie when they sent the letter???? I have three overdraft fees because of this discrepancy. And Maritz claims its the banks fault. And the bank claims it's Maritz fault but I'm out over a $100!

Due to the banks being closed on Monday, It was our understanding that there would be no difference if the process ran Tuesday morning, instead of Monday. We were told that with the method used for your direct deposits (“same-day ACH”), the banks were required to post such payments by the close of business, if sent by a set time. With this explanation made, we sent out the email late in the day Monday to make everyone aware of this understanding that the payments should be received to their account by the close of business with their banks. From our perspective, our payment was automated and would be sent by the required time, so there was nothing that could be communicated yesterday, as we didn't know there was an issue until someone said something last evening. I am currently checking with our financial team to ensure that everything processed as scheduled and how the process can be modified going forward to better account for bank holidays.

As for the date of the posting on our website, I am becoming aware that it is posting the date that payments have been added to the data file we are compiling to send, not when that file is actually sent. Until the file is sent, additional payments can be added, so the date may not always be the same for everyone. This means that many of these dates could be showing several days off from when the payment was actually made on our end. This is something we will get corrected in the future.

We apologize for the delay and will work with our team to modify the process for direct deposits to better account for the banking holidays. I will post an update as soon as I hear anything further from our financial team regarding what may have happened with the processing yesterday. I am relying our their expertise, but the initial indication I am being given was that everything was processed on time through our bank yesterday.

If a payment is a day it two off, I don’t find that a big deal personally

Just an added bit for interest: I have worked for businesses for many years (at least 15 by my recollection) that had direct deposit, bi-weekly pay schedules. There were never, ever any problems of payments being delayed due to a "bank holiday". Bank holidays occurred back then as well.

I suggest that Maritz comes up with a pay schedule that pays to direct deposit every 2 weeks, meaning there would be 26 direct deposits every year. That was what the accounting department termed "Bi Weekly" Direct Deposit.
It would simplify everything and allow your contractors to not be hit with unexpected problems.

This industry is terrible about uniformity of pay dates. I've worked retail. No matter if there was a bank holiday they made sure our checks were there on payday. Christmas and Thanksgiving they paid us early. I thought getting paid as an independent contractor doing free government phones. The two or three best companies for paying doing this included Maritz until recently. Now it's down to one company. For multimillion-dollar companies, they don't have the payroll practices down to a proper science. Maritz, I'm disappointed in you.

Overdraft fees are the result of poor planning. Keep an appropriate average balance in your checking account and they'll never be a problem. If you can't absorb a day or two ACH delay (very common), you're cutting things way too close to begin with.

@swanderson wrote:

Overdraft fees are the result of poor planning. Keep an appropriate average balance in your checking account and they'll never be a problem. If you can't absorb a day or two ACH delay (very common), you're cutting things way too close to begin with.

How much money do you make a year? Are you living paycheck to paycheck? I doubt it! Some of us can barely pay bills from paycheck to paycheck. Maritz normally does not post our check stubs until they send them to the bank! Many times I do wait until I actually see the money IN the account. The one bill that ended up not charging an overdraft is the one that has been scheduled to be paid on the 15th for over two years the cell phone. I actually made two small payments (less than $30) after I saw it post in Maritz. I have been too busy this week to deal with anything basically. The money is still just sitting there.

@F and L TeleComm wrote:

How much money do you make a year? Are you living paycheck to paycheck? I doubt it! Some of us can barely pay bills from paycheck to paycheck. Maritz normally does not post our check stubs until they send them to the bank! Many times I do wait until I actually see the money IN the account. The one bill that ended up not charging an overdraft is the one that has been scheduled to be paid on the 15th for over two years the cell phone. I actually made two small payments (less than $30) after I saw it post in Maritz. I have been too busy this week to deal with anything basically. The money is still just sitting there.

When I got my first bank account, my mother instilled in me that the first $X of your balance should be kept as a cushion. When I was 16, it was $100, which was plenty back then. As an adult, it's $1,000. That gives me plenty of cushion if, for example, my rent drafts before my paycheck deposits. It can function as an emergency fund, too, in the event of an unexpected expense. Plus, most banks have overdraft protection features nowadays.

At various times in my life, I've been either _completely_ broke (essentially unemployed, on food stamps) or living paycheck to paycheck. I'm stable and comfortable now thankfully, but I've never had an overdraft, even during the bad times. It's all about planning.

Edited 1 time(s). Last edit at 10/18/2019 02:42AM by swanderson.

It must be nice to always be able to have a $1000 cushion in your account! I never have a $1000 cushion in my account. I don't have a clue where it could possibly come from! I do have Over $1000 in available credit on various cards available but anytime a k goes in my account it goes out to bills. have times where I can put a few hundred up. My credit cards and car note and my rent are 100% paid on time with NOT one single late payment ever! So don't sit here all high and mighty because I can not pull money out that doesn't exist. I guess I should by some plates and make my own money. You don't have a clue about living a hard life. I have slept outdoors, in a vehicle, and in a shelter. I have had to panhandle to put gas in my car. For the past few years is the most stable I have been in my entire life. I have been in my house now for 5 years. Three of which I have had a refrigerator that doesn't work only the freezer. My milk has to go in the freezer. I have more than enough credit to go buy a fridge or rent one. But I have chosen not to. You know why? because I'm smart about my money and don't want to take on an extra bill! I have not bought a stove for my house either. Yes, I live without a stove and have done so for the past five years! I cook with a turkey oven, microwave and a steam pot. I also have crock pots and a griddle. I have full coverage insurance on my car (the whole 9, including rent a car and towing) so that no matter what I can keep working. I have 20k worth of rental insurance (for the first time in my life) so I can regroup if anything happens. My pets are spayed and neutered and the dogs are microchipped, (also for the first time in my life). I just bought my first tax lien/deed last month. (A rent house that I can foreclose on next year if not redeemed) This is one of the "baby steps" I've taken to change my life. It was a sacrifice to buy the tax deed yes. I paid a k for it. But the house right now is worth 12k. Before I fix it up. The foreclosure will cost me $3500. which will be a tremendous sacrifice. But I am not willing to sit back and wait for things to be perfect before I did it because they may never be "perfect". Did I mess up paying the two bills for less than $30 when I saw Maritz post my check stub too early? Yes, but I don't need you to condemn my financial management skills. I trusted Maritz which is where I failed. But I don't believe for one minute I have poor money management skills. I believe I am making a little money go a long way and I'm taking steps to increase my income (preferably passive income)!

You don't have to explain yourself to anyone. We are on the internet and don't know a thing about each other. There's no way we can make appropriate judgements about how others handle money.

@F and L TeleComm wrote:

It must be nice to always be able to have a $1000 cushion in your account! I never have a $1000 cushion in my account. I don't have a clue where it could possibly come from! I do have Over $1000 in available credit on various cards available but anytime a k goes in my account it goes out to bills. have times where I can put a few hundred up. My credit cards and car note and my rent are 100% paid on time with NOT one single late payment ever! So don't sit here all high and mighty because I can not pull money out that doesn't exist. I guess I should by some plates and make my own money. You don't have a clue about living a hard life. I have slept outdoors, in a vehicle, and in a shelter. I have had to panhandle to put gas in my car. For the past few years is the most stable I have been in my entire life. I have been in my house now for 5 years. Three of which I have had a refrigerator that doesn't work only the freezer. My milk has to go in the freezer. I have more than enough credit to go buy a fridge or rent one. But I have chosen not to. You know why? because I'm smart about my money and don't want to take on an extra bill! I have not bought a stove for my house either. Yes, I live without a stove and have done so for the past five years! I cook with a turkey oven, microwave and a steam pot. I also have crock pots and a griddle. I have full coverage insurance on my car (the whole 9, including rent a car and towing) so that no matter what I can keep working. I have 20k worth of rental insurance (for the first time in my life) so I can regroup if anything happens. My pets are spayed and neutered and the dogs are microchipped, (also for the first time in my life). I just bought my first tax lien/deed last month. (A rent house that I can foreclose on next year if not redeemed) This is one of the "baby steps" I've taken to change my life. It was a sacrifice to buy the tax deed yes. I paid a k for it. But the house right now is worth 12k. Before I fix it up. The foreclosure will cost me $3500. which will be a tremendous sacrifice. But I am not willing to sit back and wait for things to be perfect before I did it because they may never be "perfect". Did I mess up paying the two bills for less than $30 when I saw Maritz post my check stub too early? Yes, but I don't need you to condemn my financial management skills. I trusted Maritz which is where I failed. But I don't believe for one minute I have poor money management skills. I believe I am making a little money go a long way and I'm taking steps to increase my income (preferably passive income)!

@F and L TeleComm wrote:

I just bought my first tax lien/deed last month. (A rent house that I can foreclose on next year if not redeemed) This is one of the "baby steps" I've taken to change my life. It was a sacrifice to buy the tax deed yes. I paid a k for it. But the house right now is worth 12k. Before I fix it up. The foreclosure will cost me $3500. which will be a tremendous sacrifice.

Sounds like you have / had $1,000 but chose to overextend yourself by attempting to buy property instead. To each his own, but as someone whose 9-5 job it is to give tax and financial advice I would never recommend this strategy. The general wisdom is necessities, emergency fund, debt paydown, then investing - in that order. Skipping steps is a gamble. I hope it works out for you. Rental properties can be a good source of income.

Edited 1 time(s). Last edit at 10/18/2019 06:53PM by swanderson.

That's your opinion. If I went that route with maybe a 20k a year income I would stay impoverished forever!! I did not have to borrow any money to buy it. I was able to stretch my remaining income to cover my bills. Therefore dispite your opinion, I am not "overextended". I will NEVER inherit 10 or 20k or more. No man has ever taken care of me and probably never will. The only way I will get the things I want I have to make it happen on my own! I am extremely familiar with your method. As a disabled woman who has always made about 12-13 k a year, (barely enough to cover living expenses) until the past year or two, Your way has never worked for the drastically impoverished! I know that in order to increase my passive income I will have to make sacrifices. Since I can not go out and land a 40 k or more a year job I will have to sacrifice at least a K a year of my current income. I will have to buy the cheapest properties I can get at first (tax liens are the best way) for me. If I repeat this process three times I can increase my income a k a month. Maybe at that time, I can see about flipping one of the properties. It will take me longer to get there than the average person but I can still get there if I am determined.
I must be doing something right because I have a 100% paid on time on all of my credit accounts. I went from a car lot/dealership not wanting to touch me (lack of credit) to a car lot telling me last year that he can put me into a brand new car of my choice off his lot with 0 money down. I chose not to buy another car at the time and wait, but still, it was nice to hear!

@swanderson wrote:

Overdraft fees are the result of poor planning. Keep an appropriate average balance in your checking account and they'll never be a problem. If you can't absorb a day or two ACH delay (very common), you're cutting things way too close to begin with.

Good Grief!

Of all the persons that inhabit this forum, how likely would it have been that you chanced to read this and was able to offer this piece of sage advice?

Further, how excellent that you also thought to offer your criticism!

You are so helpful!

Edited 1 time(s). Last edit at 10/19/2019 02:32PM by French Farmer.

@French Farmer wrote:

@swanderson wrote:

Overdraft fees are the result of poor planning. Keep an appropriate average balance in your checking account and they'll never be a problem. If you can't absorb a day or two ACH delay (very common), you're cutting things way too close to begin with.

Good Grief!

Of all the persons that inhabit this forum, how likely would it have been that you chanced to read this and was able to offer this piece of sage advice?

Further, how excellent that you also thought to offer your criticism!

You are so helpful!

It's good advice considering how often people are complaining about day-late payments. HS Brands taking months and months to pay is one thing, but a delay of one day by Maritz should not be such a problem.

Edited 1 time(s). Last edit at 10/19/2019 02:42PM by boridi.

Swanderson I just wanted to tell you one more thing Real life is not that rosy. Things do not go as "planned". Every time you save a few hundred dollars something new happens. For example, in the last two years, I lost a cat and had to fix my car. I had to buy tires not once but twice! When we lost our cat it was completely unexpected (she had cancer, unbeknownst to us). We had to pay the emergency nighttime vet when she collapsed, then we had to pay for her cremation and urn. (Burying her in the back yard is not an option when you rent). In January an ignition coil went out on the car and I ended up buying new tires. That was another 600+ unplanned dollars. Those tires drove out about a month ago. (I am a route driver). I bought two more new tires, $409, better tires with a longer warranty this time. (The first tires were 40k tires, the new ones are 60k). At the beginning of this week, I had to buy a tire for one of the back tires an additional 60 dollars because I didn't want to buy a new tire right now (which would have been about 200). I still need to buy another tire, change the oil, buy motor mounts, replace the front brake discs, and change the spark plugs. This does not include taking the pets to the vet or L. to the doctor who does not have health insurance. Even the best planning does not always take into account emergencies. So as you save this $1000 just know that along the way there will be hiccups that cause you to start all over again. When you make less than 20k a year those hiccups slow this "preconceived" perfect case scenario to a crawl and as this is all part of life you can't do anything except just ride it out, regroup immediately, make sure you keep enough work scheduled and patiently keep paying the bills. But since I have all the insurance I can as far as car and home there's not much else I can do. And before you jump through hoops about L. not having health insurance let me tell you what we were told when he tried to apply for Obama care. We did not make enough money. The gap that he fell in was supposed to be covered by Medicaid. However, Georgia would not give Medicaid to males who do not have kids at home or are not disabled. Therefore we have to provide for ourselves since there is no "sliding fee scale" health insurance. We found a sliding fee scale doctor who charges him $25 a visit and has other connections to assist with tests. This is cheaper for us than any health insurance premium. Because we are low income we are exempt from the health insurance mandate and when filing taxes we are exempt.

F and L
First I am not judging. I am only saying this to offer advice.

1st did you talk to your bank and see if they could waive the overdraft fees as a courtesy. They may do it especially if you have a long relationship and have never over drafted before. It does not hurt to ask.
You should set up overdraft protection. There are many kinds including a line of credit which if your credit is good as you say may be your best bet.

2nd although it seems hard and I know as I am in a similar situation albeit a single man you need to save a $1000 in a emergency account. Any financial advisor who is worth anything will tell you this.

3rd I can't speak for the state of Georgia but Medicaid is a federal program managed by each individual state for that state's residents. It simply has income requirements to qualify. If you make less than a certain amount per the size of your family you qualify. I suggest you talk to your state office here is a link: [medicaid.georgia.gov]
You may also be able to qualify for food stamps (SNAP) and Disability.

4th and Lastly Take care of yourself and relatives before worrying about any animals. You can't afford a stove and proper Fridge but can afford food and medical treatment for cats and dogs.

I do wish you the best of luck and hope you can get your situation improved.

@BuffaloNY101 wrote:

F and L
First I am not judging. I am only saying this to offer advice.

1st did you talk to your bank and see if they could waive the overdraft fees as a courtesy. They may do it, especially if you have a long relationship and have never over-drafted before. It does not hurt to ask.
You should set up overdraft protection. There are many kinds including a line of credit which if your credit is good as you say maybe your best bet.

2nd although it seems hard and I know as I am in a similar situation albeit a single man you need to save a $1000 in an emergency account. Any financial advisor who is worth anything will tell you this.

3rd I can't speak for the state of Georgia but Medicaid is a federal program managed by each individual state for that state's residents. It simply has income requirements to qualify. If you make less than a certain amount per the size of your family you qualify. I suggest you talk to your state office here is a link: [medicaid.georgia.gov]
You may also be able to qualify for food stamps (SNAP) and Disability.

4th and Lastly Take care of yourself and relatives before worrying about any animals. You can't afford a stove and proper Fridge but can afford food and medical treatment for cats and dogs.

I do wish you the best of luck and hope you can get your situation improved.

I have been with Suntrust for over 5 years. They would only courtesy refund 1 overdraft fee. I'm still out $72. I have overdraft which would have cost me 12.50 each, except that I had emptied out my Savings account and hadn't replenished it yet. Since Suntrust only pays .01% interest I won't keep more than say $100 in it. I have another Savings account with Robins Financial. I have not applied for another credit card with Suntrust because they denied me last year for being no more than 2 months shy the 23 month minimum that they require for a credit account (not including my student loans). Suntrust does not offer a line of credit. Their loans are managed by an outside company and require a MINIMUM OF $5000. Suntrust is no good except for rich people. It will be alright the money is gone now. My check went to the credit union for over $500 and L's check went to Suntrust for almost 400. (Both sets of accounts are joint accounts but I handle the finances. I opened the credit union accounts about two months ago and have some direct deposits moved over but not all as of yet.) I've actually been holding out to see if BB&T's takeover of Suntrust improves them at all when they become Truest.

On your 3rd point. He is not eligible under Georgia law no matter what our income is. IN the state of Georgia a man must have a minor child in the home or be disabled. It does not matter what your income is. Even if I list him as my caregiver he still would not be eligible.

I'm not saying that I don't want an emergency fund. What I"m saying is I want more income, rental properties, etc. and I'm not willing to sit back and wait another two or three years to get started. There will always be another crisis. I am disabled. I have been on disability and my medical is totally covered except that United healthcare keeps upping my prescription copays. Being Disabled does not solve my problems. Passive income that I can earn whether I can walk out of the house or not is the one thing I see that will change my life.
Everyone thinks they know how to help. No one can live on $818 a month. I live in a 4 room house and pay $350 a month for rent. But I will not even try to live on $818 a month. I've thought this through. I'm guaranteed at least a 20% return on my k. (If the owner redeems the tax deed he has to pay me 1200 /20% return). If not I forclose and spend $4500 and gain a house worth 12,000. No other investment guarantees a return like this. Stocks average maybe 7% if you have a good portfolio. No Savings account, CD, Bond, anything pays 20%. So I gave a k, it was worth it and I would do it again. I checked several properties on the list. I went and looked at the house, more than once. It is a brick/concrete block. It is not trashed. So it is a temporary sacrifice for a greater gain by a woman who has never owned property in her entire life. NO one can convince me I did anything wrong. so people please stop trying. I'm not going to wait forever to start investing I'm 47 and don't have much time left to change my life. I can sit back and save a $1000 over and over and there will always be another hiccup or problem to take it. Trust me I'm looking at my debt, income and bills and what I can and can't do. I can buy paint and sheetrock with a credit card. IF it sits empty, I can pay the $400 a year taxes. But I doubt it will stay empty. And I'm not dumb enough to let my homeowner's insurance lapse. That's why I picked such a cheap house because I could afford to pay the annual costs even if it was empty. Now that would be stupid to buy a house worth $50k knowing that if it was not rented I could not afford to maintain it. After it's fixed up and rented it will be worth about 18k. So trust me I've analyzed this situation. With the equity of one home, I could borrow the money to buy another one and do it again (if it's rented). I will continue this process over and over again until my rental income supports my real estate ownership entirely upon its own and begins to make me a monthly income. It's a gamble true. But what's the worst that can happen? that I fail and remain impoverished? Maybe but hey i've been impoverished for 47 years already. And maybe just maybe I will succeed and become middle class in ten years or twenty.
Point 4: Yes you sort of have a point about the animals I grant you that. But all of my animals are rescues who are loved, spoiled and well taken care of. It's who I am and how God made me. I love animals and one day hope to own a farm with cows, goats chickens, etc. If you are not an animal person you would not understand. I need them as much as they need me. When you come home and your pets are so happy to see you no matter how hard your day was is a great feeling. I've been able to take care of them just fine. Maybe I don't have a stove but I have a big turkey oven, a big crockpot, a multi 3 small crockpot, a griddle, a microwave, a steam pot (deep fry or boil rice etc). I'm used to it. Besides who wants to cook after coming home from a long route anyway???

Hi...maritz is one of my favorite companies but. I would advise to except 2 week cushion on pay..that isnt just maritz..for most other companies I would say a 2 month cushion. Also dont forget to do the invoices with Maritz to make sure you get paid

I completely disagree on having overdraft protection when money is extremely tight. Of course it sounds good in theory and yes some of your bills will be delayed without it, overdraft protection I have found it gets me into alot of trouble and going more and more into the negative into a hole I cant dig myself out of. It took a few times but I finally turned that crap off...huge weight lifted off of my shoulders