Posted on 01/06/2010 12:28:16 PM PST by William Tell 2
One thing I do is have a small recurring charge on my Chase card so that it shows activity. On my Capital One, I might charge a tank of gas every month just so their computer doesn't think the card is dormant.
Let’s say you have two cards. One is good for 20,000 and the other is the same. You don’t charge much, you never go over 10,000 on either card. You are a good credit risk in their eyes as you are usually only using up to 25 percent of your available credit. Now, you cancel one of the cards and you reduce your credit in half, then you charge 10,000.00 on your only card, using 50 percent. You don’t look so good and your credit score goes down.
But no. This guy got an incompetent call taker.
Then you either have only one or two bill, are an idiot savant or lying through your teeth.
No several people within Chase were incompetent - including at least one manager.
Let’s not be glib here.
Go figure. You’re penalized for being thrifty.
Are you f-ing kidding me? Comparing a call center operator to the Nazi camp guards?
Get a life. Did you major in drama or what?
That’s a whole different level, but I do know that it happens, unfortunately.
It’s mostly the actual collection agencies, who tend to be scum, as opposed to the collection department at actual banks who do this.
I knew someone would say that but you obviously were emotionally driven and didn’t think through the basic logic. Try thinking again and put your emotions aside. The basic assumption put forward was, “I was just doing my job”, and I was using an extreme example to show how stupid that line of logic is. So, try thinking again, and try not to make such a literal comparison this time.
I know what you meant, but the comparison is still stupid.
Would you rather they be on the public dole?
Chase is a problem. We never have problems with banks or credit cards. We did have problems with Chase and got away from that Bank.
The scams they run on customers are endless.
There is all manner of weirdness going on right now. I had a recurring charge from XM pop up on my Visa for a vehicle I sold over a year previously, and the fine XM call center folks in India had the nerve to argue with me about it. They kept trying to put it through, and I kept reversing it. Finally had my credit union send me a new card with a different account number.
This year, I haven’t even activated the card, and don’t plan to do so unless an emergency crops up. I just use the thing as a credit line and transfer it to checking, then pay it off before the month is out. It has a zero balance on it and has for several years. It’s the only credit card I have. I use a debit for most things for which cash is inconvenient or impossible.
I think XM was counting on it getting lost amid all the other charges, and it probably does with a lot of inattentive people. Stuck out like a sore thumb with me, though, getting a statement with a balance due when I knew nothing was on it.
County vehicle tax was seized from my commercial account without notification, by the county or by my bank. This was four years ago. So, it can be done. The tax wasn't even that late, I hadn't even gotten a tag block notice yet.
And the funny thing is the secondary outfits that buy these debts work under infinitely more restrictive contact laws. Yet they continue to be the worst offenders.
There’s some real horror stories out there though, Chase and AmEx both are getting very heavy handed. Calling dozens of times a day. Calling distant relatives and neighbors. It’s crazy.
My mortgage was sold to Chase...lucky me. I have to send the payments with a return receipt becuase they kept ripping me off with late fees. Had to get a lawyer to tell them to knock it off as I had built quite a well documented file on the scamming. They left me alone.
Then, I had a huge tree fall on the house and the insurance company issued the check to us and the holder of the mortgage company - Chase. Chase insisted on keeping the check to make sure we made the repairs to our house. So we had to front the money for repairs and wait for Chase inspectors to report back to Chase the work was being done and then they released our money to us...by drips and drabs.
We had to FRONT the money for repairs and luckily we were able to do that back then. Not now! I hate Chase.
The county notified you. They have to. If they didn’t then you should take them to court.
Of course, they’ll have all sorts of documentation they notified you. If not you win the case.
What the hell do you think this is the USSR.
My mortgage was Washington Mutual and it went to Chase when they folded. I didn’t like their treatment so I switched to Pentagon Federal Credit Union.
... Hmm very well. I take it you must be the sort that likes to troll. Well I certainly shall not bite.
God Bless
Nothing else need be added.
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