Chase Reconsideration

[asks]

Ive called 16 times to get 1 application approved at one point. No success = end result

How recently? Did they parrot back to you the same lines and refer back to your previous calls?

[TimT]

Just got shot down harshly for second HUCA in two days...when I persisted, CS mentioned that the notes indicated the earlier call and how CS had already given me same reason for rejection....not sure this one is going to go thru

That's what everyone is told. Take a break & try again in a week or 2.

[asks]

That's what everyone is told. Take a break & try again in a week or 2.

Good idea, maybe most reps will forget about the memo going around now

[avadah]

Good idea, maybe most reps will forget about the memo going around now

What memo?

[TimT]

What memo?

He means this

CS mentioned that the notes indicated the earlier call and how CS had already given me same reason for rejection

[avadah]

Oh. Memo sounds more like a company wide memo than notes on a specific account.

[henche]

Where can I get breakfast in diamond dist?

[Emkay]

Where can I get breakfast in diamond dist?

Have you been drinking?

[henche]

I just drove in from boston, davened, and now taking bus to manhattan.

And I will eat this website.

[TimT]

I just drove in from boston, davened, and now taking bus to manhattan.

In the chase recon thread no less

[henche]

In the chase recon thread no less

Left at 330. And that's after billing 12+ yesterday.

[TimT]

Left at 330. And that's after billing 12+ yesterday.

Well I just slept 3 hours & then came 8:00 & it was time to call biz recon. No luck though.

[henche]

Well I just slept 3 hours & then came 8:00 & it was time to call biz recon. No luck though.

Lol

I have an excellent HUCA story with citi. About a month of HUCA before I inexplicably got what I wanted. I had already spoken to like 16 supervisors in different depts.

I'll trade story for bagel.

[benjie1305]

Lol

I have an excellent HUCA story with citi. About a month of HUCA before I inexplicably got what I wanted. I had already spoken to like 16 supervisors in different depts.

I'll trade story for bagel.

Done. Lets hear it 

[henche]

Done. Lets hear it 

Did 2 citi execs last year.
I don't open my bills; I just have everything on autopay. No time.
Saw email that was billed the AF on card 1. Called a week later when had time and cancelled. Told dude was cancelling to avoid fee.  He offered 200 statement credit to stay. I cancelled.
A month later get call from collections dept that I owe fee. I said I cancelled. They said it was too late--have 30 days from when billed. I said well so prorate. They said they don't prorate. I said well I'm not paying, so let's figure it out. They said so we'll send collections etc. I said I'll settle with them, so why not settle now, they said too bad.
I spoke with a bazillion people from cust service and collections over next few weeks. Same conversation. Tried being nice. Tried being tough. Tried being confused. Tried being expert. Got to point that notes said to auto-transfer me to supervisor if I called.
I ordered copy of cardmember agreement. Says have 30 days from later of when bill is mailed or delivered. Idiots--no lawyer would write such a stupid term like that.
I called and sweetly explained, but no dice. Lady says they presume delivered after 7 days. I ask if they know. She says presume. I ask if they are billing me on presumtion and sending to collections on presumption. She says yes.
Ok, I assume I'll let go to collections, and dispute on credit report. I'm actually in the right at this point. And will try mailing letter to cust services.
One more try: I call to cancel Card 2, and tell cancellations that reason is because they are being mean to me on Card 1. She says, can't do anything because I cancelled too late, and used card after was billed.

Wait? What? Used card after?  I didn't use card after. You didn't? Ok, I'll waive fee.  Goodbye. Done. Fee waived within 2 days.

[yitrap]

Did 2 citi execs last year.
I don't open my bills; I just have everything on autopay. No time.
Saw email that was billed the AF on card 1. Called a week later when had time and cancelled. Told dude was cancelling to avoid fee.  He offered 200 statement credit to stay. I cancelled.
A month later get call from collections dept that I owe fee. I said I cancelled. They said it was too late--have 30 days from when billed. I said well so prorate. They said they don't prorate. I said well I'm not paying, so let's figure it out. They said so we'll send collections etc. I said I'll settle with them, so why not settle now, they said too bad.
I spoke with a bazillion people from cust service and collections over next few weeks. Same conversation. Tried being nice. Tried being tough. Tried being confused. Tried being expert. Got to point that notes said to auto-transfer me to supervisor if I called.
I ordered copy of cardmember agreement. Says have 30 days from later of when bill is mailed or delivered. Idiots--no lawyer would write such a stupid term like that.
I called and sweetly explained, but no dice. Lady says they presume delivered after 7 days. I ask if they know. She says presume. I ask if they are billing me on presumtion and sending to collections on presumption. She says yes.
Ok, I assume I'll let go to collections, and dispute on credit report. I'm actually in the right at this point. And will try mailing letter to cust services.
One more try: I call to cancel Card 2, and tell cancellations that reason is because they are being mean to me on Card 1. She says, can't do anything because I cancelled too late, and used card after was billed.

Wait? What? Used card after?  I didn't use card after. You didn't? Ok, I'll waive fee.  Goodbye. Done. Fee waived within 2 days.

Best part of the story! Have a bagel

[henche]

Best part of the story! Have a bagel

No best part of story I forgot before.

I called collections (while working on something) and gave my info, and then she asks why calling, and I said "just to check in".

How can I help you? I dunno, I'm just checking in.
Can I do anything? You tell me; I'm just checking in.
And so on for about 3 mins until she hung up on me.

[benjie1305]

Did 2 citi execs last year.
I don't open my bills; I just have everything on autopay. No time.
Saw email that was billed the AF on card 1. Called a week later when had time and cancelled. Told dude was cancelling to avoid fee.  He offered 200 statement credit to stay. I cancelled.
A month later get call from collections dept that I owe fee. I said I cancelled. They said it was too late--have 30 days from when billed. I said well so prorate. They said they don't prorate. I said well I'm not paying, so let's figure it out. They said so we'll send collections etc. I said I'll settle with them, so why not settle now, they said too bad.
I spoke with a bazillion people from cust service and collections over next few weeks. Same conversation. Tried being nice. Tried being tough. Tried being confused. Tried being expert. Got to point that notes said to auto-transfer me to supervisor if I called.
I ordered copy of cardmember agreement. Says have 30 days from later of when bill is mailed or delivered. Idiots--no lawyer would write such a stupid term like that.
I called and sweetly explained, but no dice. Lady says they presume delivered after 7 days. I ask if they know. She says presume. I ask if they are billing me on presumtion and sending to collections on presumption. She says yes.
Ok, I assume I'll let go to collections, and dispute on credit report. I'm actually in the right at this point. And will try mailing letter to cust services.
One more try: I call to cancel Card 2, and tell cancellations that reason is because they are being mean to me on Card 1. She says, can't do anything because I cancelled too late, and used card after was billed.

Wait? What? Used card after?  I didn't use card after. You didn't? Ok, I'll waive fee.  Goodbye. Done. Fee waived within 2 days.

What a mess. And a headache. And just . Happy u ended up getting it resolved.

[yitrap]

No best part of story I forgot before.

I called collections (while working on something) and gave my info, and then she asks why calling, and I said "just to check in".

How can I help you? I dunno, I'm just checking in.
Can I do anything? You tell me; I'm just checking in.
And so on for about 3 mins until she hung up on me.

You're an actual troll I love it

[henche]

You're an actual troll I love it

I'm a lawyer. It takes a bit of troll to get on the phone with opposing counsel and ask for a totallly offmarket provision that you win on one in a hundred times, especially when you have no leverage.