The Red Brick Times

Maybe tRBT should start a "Hero of the Week" contest. My nominee would be 75-year-old Mona "The Hammer" Shaw.
Posted 9:19 AM by whatley (2) comments

       Comments:

Banks, too.
1) Get a credit card.
2) Have the bank assure you that the credit limit is "X".
3) Use the credit card for an $8 charge and let it slip your mind.
4) Get phone call from collections telling you you owe $125 for the $8 charge.
5) Determine that the bank entered your address incorrectly so you couldn't get any mailed notices or bills. Have all extraneous charges, except interest (there must be interest), removed due to bank error. Note: the bank has the correct address on several other accounts, but didn't bother to check or cross-reference.
6) Use the card for a project for your folks.
7) Answer the phone and hear an anonymous recorded voice demanding that you call the bank.
8) Call, wade through menus, wait on hold, talk to rude person in collections who presses for myriad personal information and treats you like the dumb, incompetent customer that you obviously are. Be imperiously informed that "your account is presently over the approved credit limit." Offer to go immediately to bank to resolve matter. Be told that your local bank cannot help you with your credit card. Ask to have "over credit limit" charges removed. Be told "I don't think we will do that this time since we waived late charges in September for your convenience" (see #5). Hang up without providing any of the intrusive personal information demanded.
9) Go to local bank. Find out that credit limit is actually one tenth of "X" (see #2 above) and that you are over the limit.
10) Negotiate removal of "over limit" fee. Pay total balance. 11) Ask why, since each card use is electronically processed, over-limit credits are approved. Be told that "to avoid embarrassment to the customer, charges up to 10% over the credit limit are permitted." Suggest that this is a usurious money-making scheme by the bank. Be told (with a straight face): "Not at all. We are providing the best possible service to our customers with our policies."
12) (Next day) Answer the phone and hear an anonymous recorded voice demanding that you call the bank.
13) Repeat number 8). Find out that "Transactions take from 24 to 48 hours to post." Inform rude person number 3 (or is it 6) that I am not responsible for bank's internal inefficiencies. Hang up.
14) Call customer service to complain about shabby treatment and get shuttled to collections. Repeat numbers 8) and 13).
15) (Following day) Answer the phone. Repeat loop.

Where's my big sledge hammer?

# posted by  Andy : October 19, 2007 11:38 AM
 
Here's some more about Comcast.

# posted by  whatley : October 19, 2007 5:17 PM
 
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