So, my Visa payment is two weeks late.
I sent in a cashier's check a week ago, and spoke to somebody at the bank at that time telling them it's on its way.
For the last two weeks, I've gotten at least one, sometimes two, calls from someone at Providian. I have told them repeatedly to stop calling the house number, because they call early in the morning and wake up my roommate, who works the night shift. Also, there have been many calls, around half a dozen a day, which are either a computer telling me to "hold for an important message", or just hanging up with no message. I suspect these are from Providian as well, since they started at the same time.
Today, the Providian guy finally talked to me directly. I told them to stop calling all the time, pointed out that it's illegal to call more than once a day. He told me that they would never do that on purpose, that there must be "a problem with the system". I told him that I know there's a problem in the system. The problem is that they are illegally harassing me, over a $25.00 minimum payment being two weeks late. If it's a computer error, they should turn off the computer until it's fixed, so they don't have to risk losing even more lawsuits than they already have. He had no response to that. When I told him to just note in my account that I don't want them to call me more than once a week, and with a human who knows how to leave a message on a machine, he told me they can't make notes in the account.
He then asked me for my social security number, "to verify my identity". At which point, we had the following exchange:
Me: Fuck that. I'm not giving my social security number over the phone to somebody who called me. If you don't know who I am, you shouldn't be fucking calling me!
Providian: Sir, if you continue using language like that, I am going to have to terminate this call.
Me: Considering that I spent the first ten minutes of this call telling you to stop calling me, what makes you think that that's a threat?
Providian: [pause] I cannot continue until I receive verification of your identity.
Me: You called me. How do I know you are who you say you are? Why don't you give me your social security number?
Providian: [long pause] I can't give out that information.
Me: Yeah, me neither. In fact, your own literature recommends against it. Maybe you should read it some time yourself, or ask your supervisor for proper training before he puts you on the phone to your customers. [I always like to remind these people that, despite the fact that I owe them money, that I am the customer. They have to please me, not the other way around. Most credit providers seem to forget this little detail]
Providian: [another long pause] You have a $25.00 minimum payment due. When can we expect payment?
Me: You can expect it last week, like I told you last week, the first time I told you to stop illegally harassing me.
Providian: So, are you saying you have mailed in a check?
Me: When I said at the beginning of this nonsense, "I sent you a cashiers check for $530 last week", which word didn't you understand?
Providian: So, did you mail in a check?
Me: Did you not even hear what I just said? Why do you ask questions if you ignore the answers?
Providian: I am going to make a note in your account, that you are sending in a check. Is this correct?
Me: No, that is not correct. The correct note is that I already sent in a cashier's check, which is a different entity from a normal check, and somebody over there needs to process it. Besides, I thought you said you can't make notes in the account. I don't appreciate you calling me at my home to tell me lies.
Providian: Thank you sir, I will note the account.
I sent in a cashier's check a week ago, and spoke to somebody at the bank at that time telling them it's on its way.
For the last two weeks, I've gotten at least one, sometimes two, calls from someone at Providian. I have told them repeatedly to stop calling the house number, because they call early in the morning and wake up my roommate, who works the night shift. Also, there have been many calls, around half a dozen a day, which are either a computer telling me to "hold for an important message", or just hanging up with no message. I suspect these are from Providian as well, since they started at the same time.
Today, the Providian guy finally talked to me directly. I told them to stop calling all the time, pointed out that it's illegal to call more than once a day. He told me that they would never do that on purpose, that there must be "a problem with the system". I told him that I know there's a problem in the system. The problem is that they are illegally harassing me, over a $25.00 minimum payment being two weeks late. If it's a computer error, they should turn off the computer until it's fixed, so they don't have to risk losing even more lawsuits than they already have. He had no response to that. When I told him to just note in my account that I don't want them to call me more than once a week, and with a human who knows how to leave a message on a machine, he told me they can't make notes in the account.
He then asked me for my social security number, "to verify my identity". At which point, we had the following exchange:
Me: Fuck that. I'm not giving my social security number over the phone to somebody who called me. If you don't know who I am, you shouldn't be fucking calling me!
Providian: Sir, if you continue using language like that, I am going to have to terminate this call.
Me: Considering that I spent the first ten minutes of this call telling you to stop calling me, what makes you think that that's a threat?
Providian: [pause] I cannot continue until I receive verification of your identity.
Me: You called me. How do I know you are who you say you are? Why don't you give me your social security number?
Providian: [long pause] I can't give out that information.
Me: Yeah, me neither. In fact, your own literature recommends against it. Maybe you should read it some time yourself, or ask your supervisor for proper training before he puts you on the phone to your customers. [I always like to remind these people that, despite the fact that I owe them money, that I am the customer. They have to please me, not the other way around. Most credit providers seem to forget this little detail]
Providian: [another long pause] You have a $25.00 minimum payment due. When can we expect payment?
Me: You can expect it last week, like I told you last week, the first time I told you to stop illegally harassing me.
Providian: So, are you saying you have mailed in a check?
Me: When I said at the beginning of this nonsense, "I sent you a cashiers check for $530 last week", which word didn't you understand?
Providian: So, did you mail in a check?
Me: Did you not even hear what I just said? Why do you ask questions if you ignore the answers?
Providian: I am going to make a note in your account, that you are sending in a check. Is this correct?
Me: No, that is not correct. The correct note is that I already sent in a cashier's check, which is a different entity from a normal check, and somebody over there needs to process it. Besides, I thought you said you can't make notes in the account. I don't appreciate you calling me at my home to tell me lies.
Providian: Thank you sir, I will note the account.