The saga of my Chase credit card payoff continues.
Here we are, a few days after I paid off the account in full. The day I called up to cancel my account, the CS rep was a hag. She wouldn't let me close out my account, even though it had been paid off in full. The reason? She said the company had already closed down my account and had sent me a letter.
How did they send me a letter, I asked, when I am 100% paperless and have been for years. Where was my e-mail? Why was my card closed down without me being given any warning? (not that I care, because I was going to cancel out the card anyway; it was the principle of WHY they closed it without my knowledge) Several scripted moments later I asked her to transfer me to her manager, which she refused to do. I hung up. I called back. I got another CS rep who also refused to transfer me to her manager to answer why they had closed out my account for me, BEFORE I called in to cancel the card. She also mentioned the letter, AFTER I explained to her TWICE that I live overseas and said letter would never arrive. She just kept reading off that little script.
Whatever.
Today I log into the account to make sure it's been closed out. Imagine my surprise when I find a fifty dollar balance that I supposedly owe. WTF? I call, and this time I actually get to talk to a guy who will answer my questions. The card was shut down by them simply because I hadn't used the card in over a year, and their policy is that cards which are inactive are shut down. Sweet, ok. I was all panicked that there was a credit issue or some identity theft or something. So what's up with the 50 dollars?
Apparently there is a Chase finance charge that they charge ALL CLOSED ACCOUNTS on the final balance of the account on the day it was closed. How bogus is that? They wait until I pay off the card in full (2600 dollars) and then they nail me with a 50 dollar finance charge which, btw, is non-negotiable.
I fuggin' hate credit card companies. Especially Chase. Apparently now I owe another 50 bucks, which just rubs me the wrong way. What's to stop them from charging me another 50 dollar fee after I pay off this fee? Where does it end?
I'm glad we are debt free now. Our last few credit cards are getting cut up and shut down over the rest of the year once we get a little more money bunked up in our savings, because I don't want to have to deal with this crap ever again. I'm all sorts of stressed out right now :)
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2 comments:
I can relate, but am nowhere near "debt free".
Having worked at a call center, I can say that some managers really push the script while others will take a more relaxed approach. Same goes for call agents...some will remain glued to the script while others will sit and have a casual conversation with you for an hour. My experience with a call center was in a disaster services capacity. We had so little room to work with that call agents often had to say the same thing over and over, which was repeated by the managers, if it got that far. It was a sad situation in that case; but in your case, there's no reason it had to go that far.
The first two girls literally were reading off a script. The second girl in particular. I started off the conversation with "I know you supposedly sent me a letter, but I live overseas and I've been paperless for years now for a reason", and then she proceeded to launch into her "You should receive the letter in 7 to 10 business days which will explain to you", and I cut her off with "did you not hear me tell you I live outside of the US?", to which she again started to reply with "We sent you a letter which will..."
I've never actually felt inspired to physically punch someone before. I did then. Twice.
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