gigamatic

ok, so my credit card company is a bunch of wankers.

i know, you're gonna say "duh!" but seriously. a few years ago, i opened an emergency credit card account. i used it occasionally, just to build better credit, and then they upped my limit. hooray! well, i also realized i was getting pummeled on interest (not that ANY company has great interest rates -- after all, that's how they make money!). Well, at the time, my credit was bad, and I had to get one of those "secured" cards, meaning I had to put money into the account to be able to use it. ouch. well, as I recall, I put $250 in, so that I could have $250 in credit.

yeah, my credit was bad.

so now, in february, i called to have my card's interest rate lowered, considering i was being tempted by my regular bank's offer of a rate 1/3 as high. well, they agreed to lower my rate to the lowest secured card rate... which was about 2/3 of what it had been. not great, but better, and i decided i would stay with them a while longer.

while on the phone with the second level customer service person (who, incidentally I got the name of), she told me that she could also roll my account from a secured account to an unsecured account at the lower rate, and refund my deposit. Woohoo! Yes ma'am, please, send me that check. Ok, will do. All set, everything good.

well, here it is, a month and a half later, and still no check. so, wednesday, I call again. they say i only deposited 49 and they could refund that, but the check has never been authorized and they have no record of my speaking to anyone on that day in february. and after 30 minutes of holding and run around and speaking to someone with a horribly difficult accent who could not form complete sentences, I gave up and decided to call back when I had the documentation from my previous call in hand.

tonight, i dug out the paperwork from the previous call, and called them back, only to get a third horribly mumbling person with a really thick accent. (guess what folks, more outsourcing!) and I was told that I could not have spoken to anyone on Feb 11, since there was no record of it in their computer. When I gave them the name of the person, the department, the time and the date, I was told "There are a thousand people here with that name. We will never be able to track them."

So, you're telling me that even though I made sure to get the name, the time, and the date of my call, you cant help me? Nope. Cant help. There was no call on that date.

Even though you changed my interest rate as requested, you're still claiming I never spoke to anyone? You did not speak to anyone on that date.

Let me talk to your supervisor please... 20 minutes on hold... more explanations... $49 only, no interest either... so not only did the person whose name and department lie to me about the amount, but also the interest, and oh by the way they didnt exist???

When I've dealt with banks on this mistakes before, they fucking pulled TAPE from the time and date of the call to prove themselves right or wrong, going so far as to quote everyone involved in future conversations, and this ASSCLOWN tells me I never spoke to anyone, and that if I did, they lied, and they're sorry, but they can't help me?

Fuck you, and take your "No Hassle" and shove it. Over an hour of my time (total) was spent trying to resolve this matter, and I bill at $250 per hour. Pay the fuck up, asswipes.

Now, I just need to decide whether I want free toys or frequent flier miles on my next card... I dont even know how frequent flier miles work, but it sounds like free travel to me!