Customer Service Credit Card Style

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Scenario

You make a purchase with your credit card for $171.76. Even before the bill comes due you cut a check to the credit card company for that amount because you believe in paying off the balance in full every month.

Due to your convoluted but very effective personal accounting system you mail in a whole bunch of checks for individual purchases when you pay your bill. However when the credit card company processes your payment, their electronic check scanners mistakenly process that particular check for $5,171.76.

Then your bank’s electronic check scanner makes the exact same mistake and as a result overdraws your account.

Oh, and because the credit card company processes payments made on the same day largest to smallest a whole bunch of the other checks written for that payment bounce.

Fees galore!

How do you fix it?

After your initial panic you start looking at the evidence. A quick glance at the digital image of the check in question shows that it is obviously a mistake by the machine readers.

You better start making calls right away or this will get worse fast.

Now the question is this: How many phone calls and how long do you think it will take to get this obvious mistake by the machines resolved and the fees removed from your account? Read more