Creative Spanko Wench Blog

I’ve just spent 2 hours on the phone trying to make a credit card payment.  I’ve had this card for 12 months, and every month had to re-enter security information and change my password.  Most times I’ve been unsuccessful with this so I’ve called the customer service # and either ended up on hold for hours, and then actually been hung up on under the guise of being transfered.  This company charges 30 plus dollar latefees, and had the gaul of raising my interest rate to over 30% last month because my payment was one day late … not late through lack of effort either, I’d been trying for two weeks to get through & make the payment!  I don’t set preauthorized payments for credit cards because that’s the minimum payment & I prefer to pay in full.  I don’t mail checks anymore because they get stolen or lost.  I pay online, and I’ve had virtually NO problems doing so with any other creditor but this one.  Every month my paassword needs to be reset.  EVERY month!  Only three times has this reset actually worked.  Last month it didn’t and the charged me a huge interest fee on my whole balance and a late fee.  Tonight I told them ENOUGH & demanded to be reimbursed every penny accrued to my acount above the preferred interest rate and every penny of late fees plus interest those late fees accrued.

This is an account I pay in full every month.  Can you believe that the interest on late fees (all their fault) alone exceeded 170 dollars.  It took me an act of God hours on the phone and threats to take out a full page ad in the news paper to even get my call transferred.

My interest rate was put back down to 11% (from over 30!) But I’m not going to be reimbursed the hundreds of dollars of ad on crap and fraudulent interest.

Not only have I got proof that I never made a late payment without first battling their red tape on time (well in advance of on time actually) I’m ready to go to the law.  They may only have taken 300 or so dollars from me over the course of 11 months, but multiply that by several million customers and it’s a quarantee that not only are there thousands like me who call & raise a stink, but there hare hundreds of thousands more who don’t even know how they’re being cheated and bilked.

I will become very public if I don’t get what I demanded & that is an absolute assurance that there will be no further computer generated increases in interest rates or late fees on my account or any one else’s until there has been active communication with the customer inquiring about payment efforts.  They’ve made ontime payments all but impossible for anyone using online payments and this is simply NOT acceptable.  No it won’t be this blog, but a much more public internet finacial venue and I will fork out the money for a full page ad in the San Antonio Express News, Houston and Dallas’s major rags & our local paper too.  I know I’m not alone.

Grrrrrr.

On the lighter side, I have several topical posts in the works… one I know you’ll find hilarious…. one I hope you’ll like, & one I’m nervous about….  ahhhh doncha just love time.

p

This entry was posted on Thursday, November 8th, 2007 at 10:24 pm and is filed under Spanking. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.