Credit Card Conspiracy
Several years ago, one of my credit card companies (Lets call them XYZ) had a deal whereby I could consolidate other accounts into theirs at a low low rate of 2.99 percent. For LIFE. I said, Hells yeah! Dumped my other accounts into this one, and patted myself on the back.
I haven't used XYZ's credit card since
I have paid more than the minimum amount due every month
I have always paid on time
I have resisted their attempts to use those stupid check things to charge more more more
I got my monthly bill yesterday and was humming some little ditty whilst opening the bill, then SCREAMED MY ASS OFF when I saw that they conveniently lost my most recent payment. LOST IT. As in, didn't process it. Which means:
a) My amount due was more than twice what it should be, because
2) They raised my interest rate to 21%...TWENTY. ONE. FUKKIN. PERCENT.
I went off. Like an insane rocket. On trippy acid. I called their CS department and screamed at the poor $10-an-hour-waged chickie who answered. She tried to calm me down. Sort of. She said, "Well, things DO get lost in the mail!" Fuck that. At NO TIME in the history of my bill-paying life has ANYTHING been 'lost in the mail'. What kind of stupid, sorry excuse is that?
Chickie said to make another payment and then when they got it, I should call back and they'd "see what they could do" about lowering my interest rate.
She couldn't guarantee it would go back to 2.99%.
I called my bank to inquire about my lost payment to XYZ. No, they hadn't cashed that check.
I called the post office. No, they didn't have anything mangled in their machines or in the dead letter bin remotely resembling my lost payment.
So now I'm angry.
Angry that I have to babysit the Federal Government's postal service.
Angry that my credit card company is treating me like shit even though I'm an exemplery customer.
Angry that I foolishly trusted businesses to care about me, and should have babysat my payment, calling obsessively to make sure they received my payment.
I called XYZ back last night and made a pay-by-phone payment which will be posted some time today.
I will call back tomorrow and wrangle/haggle/bitch/scream/threaten to get my lower percentage rate back.
I will get satisfaction. Or revenge.
My question, dear readers, is this:
Did XYZ credit company scam me?
Did they purposely "lose" my payment so they could sock me with a high interest rate? Because it was at 2.99%, I never used their card or their checks, and was paying the balance off. I was making money for them, but not ENOUGH money.
Yes, I'm suspicious and a conspiracy theorist. But that doesn't mean it couldn't have happened.
Who do I call to inquire about this possibility? The SEC? The FTC? Better Business Bureau?
I think XYZ is trying to con me. I know I will have the last word.