If something can go wrong, it will go wrong. That's the way things are with me. I'm so mad right now that I can't even see straight, I'm still a little shaky. I present to you, another post from my "[Insert Company Name Here] Sucks" series...
From the moment I opened my account with Old Navy, it's been nothing but problems. Even though I gave them my drivers license to open my account, they gave me a completely different mailing address. As a result, by the time I found I had a payment due, there was no way to make the payment in time so I earned my first late charge. I called customer service and I was told to mail in my payment, which I did promptly, and then call in to get the late charge reversed.
When I got my first statement after they corrected my mailing address, I called back to have the late charge reversed. During that conversation, the customer service representative told me I didn't have to submit my payment for October that the reversal would take care of it. Based on what he told me, I didn't worry about sending in my October payment.
Earlier today, I got my e-statement and guess what was on it? A late fee for missing my October payment. I got on the phone right away and called customer service. A lot of good it did me. After speaking with the first representative, during which I was extremely nice, I asked for her manager. I was put on hold for a minute and then Mrs. Nelson asked what she could help me with. I explained my situation with more detail, making sure she knew I would have no problem paying my bill if weren't for the other representative telling me I didn't need to worry.
All my explaning did not help one bit. She more or less told me I was trying to avoid making a payment on my account and made me feel like a deadbeat. The easiest way to make me feel like shit is to imply I don't pay my bills and this woman did an excellent job of this. This just enfuriated me but I kept my cool. I tried asking her if she could possible understand why I would rely on the word of another customer service representative and she couldn't understand, telling me, she pays her bills. Are you kidding me lady? I wasn't getting this charged waived today, there was just no way around that, she wouldn't do it. When I asked if they could go back through their recorded conversations, she told me they don't keep them for more than a month. The day I was told not to worry about my payment was 1 month and 2 days ago.
So then I asked her if I had any options, she suggested that I write a letter to the company and that's what I'll do. I told her I just couldn't understand why they would not abide by what someone from their company told me. Of course she responded by saying it was my word against theirs. Nice... excellent customer service is defined by calling your new customer a liar. This just makes me want to pay off the card and never use it again.
I started writting my letter. I looked up the address for the Federal Trade Commission Consumer Affairs division and Better Business Bureaus servicing El Paso, Texas. I'm thinking I'll CC them on the letter just for emphasis. I think I might certify it too, just to show I'm serious about this. I'm not really concerned about the $25 fee, I can pay that, no problem. What really makes me mad about this is that it may be on my credit report already and that is bullshit. I've worked really hard to make sure this kind of thing doesn't happen. I'm not just going to accept it and move on, no way... I'm fighting back. I want to buy a home next year, this could get in the way.
These types of rants of mine tend to bring out the trolls. So troll, before you go on to tell me I'm a deadbeat too and that's stupid or I have bad credit for a reason, please realize you're reading the blog of someone you know nothing about. Ok? And have a nice day.