Okay before I go into this I need to give some back ground detail on this. I had missed ONE payment on my card. Totally my fault no excuse, the bill got pushed aside among the whirl wind activities surrounding my life right now. So of course the interest rate gets jacked and I get a late fee. From a business point of view I understand, I knew when I signed the contract there were penalties for missing a payment. I decide it would be cheaper for me to pay off the card with a low interest line of credit so I pay the card off. Should be the end of the story, right? Wrong!
The card was paid off last Thursday. I go to my bank today, which I also use to work at. I get to the teller, and I am informed my credit card company called them looking for me. When the credit card representative was informed I no longer worked there they got rude said a few snide remarks and then demanded they be given any information my former employer had on me. The teller who answered the phone in the first place was honest and said she didn't have any new information on me. The credit card representative then claimed to the teller that I was 3 months late on payment and again demanded information on me. The teller again explained she had none.
This type of practice is unethical and against privacy laws. I only missed ONE payment yet MY CREDIT CARD COMPANY FALSELY ACCUSSED ME OF NOT PAYING MY BILL FOR 3 MONTHS AND THEY MADE THIS ACCUSATION TO SOMEONE WHO HAS NO INVOLVEMENT WITH ME OR MY FINANCES.
I can guess the credit card representative made this false claim in an attempt to make it seem like I wasn’t paying my bills and hoped they got a hold of a gossiper that would spread it around my former work place that I was a deadbeat. It is also possible the representative wanted to put me in bad light in an attempt to get the person to give up any information they may had on me.
I missed ONE freakin' payment and they turn into a witch hunt! The freakin' account was paid off by the time this call to my former employer was made, there was absolutely no reason for this!
I'm sending this out as a warning to anyone who is thinking of getting a credit card from a certain credit card company whose name starts with “A” and is offering a certain Blue card.
I paid off my account and this is how they pay me back! I guess since I'm not a big business customer it doesn't matter to them who they give my information to or if it's accurate, it's obvious they have no respect for their card holders. In my case due to my own decision, former card holder.
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ReplyDeleteThis not isolated. Credit card companies, especially C++++++1 is terrible. They offer a low limit ($500.00) card to struggling customers so they can whack them with extra charges - My friend John, had a C++++++1 card just for internet use and ran up a charge of $450.00 on a purchase.
ReplyDeleteHe was on extended travel and had arranged for a friend to mail in prepared $15.00 checks on the 21st of each month - the minimum payment was $15.00 due on the 25th of the month. The friend did not open his mail. John had left his card at home.
When John returned five months later and was horrified to see that he now owed almost $700.00! Without using his credit card for over five months.
When he asked C++++++1 they told him that it took them 7-10 days to process a written check and credit his account - all of his $15.00 minimum payments were posted late so C+++++++1 could gouge him a late fee of $29.00 each time. A few of these charges and now he was over his $500.00 limit, which added an over limit charge of $29.00 each month! Incidentally, if you pay by over the internet they charge you extra, and if you pay by phone they charge you $10.00. C++++++1 is defrauding customers out of tens of millions of dollars each year with no penalties.