primitives being racist towards Hindu bill-collectors again

[franksolich]

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x6759543

Oh my.

The racism never stops, on Skins's island.

First up, the Robb primitive, who admits the commode "snake" is his favorite tool, because of the sheer volume he drops into it:

Robb  (1000+ posts)        Mon Oct-12-09 04:23 PM
Original message
 
Dear ******* Chase Bank:

Forget that your Indian call center hung up on me, twice, while trying to connect me to the relevant department. I called back, I'll live.

Forget that no one was able to help me, and that it was a long, difficult call for a relatively simple banking matter. We've all gotten used to crappy customer service, and apparently we'll get by.

Two things:

1) Tell your Indian call center subcontractors to pick a fake name they can pronounce, and don't stumble over so obviously. I don't care what their name is. No one on the planet pauses mid-sentence for two seconds before saying their name.

2) Tell your Indian call center subcontractors NOT TO END THE ****ING CALL WITH "HAVE A GOOD DAY AND GOD BLESS."

In the name of all that's holy, stop assuming we're all your particular vision of idiots.

We've come to assume you're subcontracting decent-paying jobs out of the country with our ****ing bailout money. We all know it.

Stop trying to pander to us. Or whoever you think "us" is. Whatever your perception of the simple God-fearing country rubes who are foolish enough to bank with you is.

Grumble.

CurtEastPoint  (927 posts)        Mon Oct-12-09 04:42 PM
Response to Original message
 
3. Citi call the other day ended with ..."God bless." I just thought it was weird.

I mean, they're not my pastor or anything like that. And yes, it was India also.

ThomCat  (1000+ posts)      Mon Oct-12-09 04:48 PM
Response to Reply #3
 
5. I am very sure that it is because PR firms have done extensive focus groups and found out that people had slightly less hostile opinions of the call center if they thought they were religious and Christian. Something like this would not be accidental or incidental.

hfojvt  (1000+ posts)        Tue Oct-13-09 03:18 AM
Response to Reply #5

28. it was certainly not part of my training at Citi but then that was 8 years ago and I was in KC and not India. Citi still has a call center in KC and one in Sioux Falls, among others.

ecstatic  (1000+ posts)        Mon Oct-12-09 09:23 PM
Response to Reply #3
 
17. Hmmm... What a weird new practice?

I haven't heard it yet but I don't call my banks often.

kedrys  (1000+ posts)      Mon Oct-12-09 05:01 PM
Response to Original message

7. They called me one day when I was in an extra foul mood

The guy gave his name as "Kevin Jones" or something similar, with a pretty thick accent, and I just let him have it. I said, "Bullshit! Your name is Rajiv Patel, and if you're going to call me and f*cking lie to my face before we even get f*cking started, I'm gonna hang the f*ck up right f*cking now!"

I don't really remember the rest of the call, but my s.o. was impressed - I *never* lose my shit to people on the phone unless they're selling something and I have to tell them (politely) more than 3 times that I'm not interested.

zorahopkins  (891 posts)        Mon Oct-12-09 05:27 PM
Response to Original message
 
8. Consider Saying This To Chase Bank Instead 

I think you might want to consider saying this to Chase Bank, instead of what you said:

Dear Chase Bank:

I am a customer of yours.

When I call Customer Service, I expect quality customer service.

I am concerned that you have outsourced your customer service department so that qualified American citizens are excluded from being able to do them.

There is high unemployment in the United States, and you are part of the reason why so many qualified Americans are unable to find work.

I suggest that you bring your Customer Service Department back to the United States, and provide jobs to American citizens. I also expect that you staff your Customer Service Department with qualified individuals, and that your workforce reflect the great diversity of the American People.

Sincerely,

mainer  (1000+ posts)     Mon Oct-12-09 05:33 PM
Response to Original message
 
9. The problem is with Chase Bank. Not the poor guy in the call center.

I think it might be a little misplaced to take out your anger on some poor guy who's just trying to do his job. And since he's no doubt Hindu, I'm sure he was ordered to say "God Bless."

Honestly, I feel a little sorry for those Indian call center people. Every one I've dealt with has been polite and tried to solve my problem. A few times, I've inquired where they were working, and they seemed startled that I was interested. And then grateful that I wasn't going to launch into them.

DailyGrind51  (1000+ posts)      Mon Oct-12-09 06:24 PM
Response to Original message
 
11. CHASE screwed me over after I had been a cardholder for over 30 years!

The first time I made a late payment, they slapped me with a huge late fee and then hit me with another fee the following month just for the time it took the previous month's payment to be received and processed!

Riley18  (304 posts)        Mon Oct-12-09 06:27 PM
Response to Original message
 
12. Best thing to do is hang up once confirmed not talking to an American.

We need to make them as ineffective as possible. They really have no authority anyway, and are a complete waste of time.

FlyingSquirrel  (1000+ posts)        Mon Oct-12-09 08:47 PM
Response to Original message
 
15. Now why would you waste an ounce of energy writing to Chase bank?

I just stopped paying my credit card bills. End of story. Took zero effort. My credit is already shot thanks to a job loss.

Uh oh.  Lisa's being a Fat Che in the punch bowl here:

liberalhistorian (1000+ posts)        Mon Oct-12-09 10:16 PM
Response to Reply #15

23. So you think it's okay to just walk away from your responsibilities like that? You think it's okay for the rest of us to be charged more in order to make up for your not paying your own bills? I understand if you're down and out and can't pay them temporarily, and I hate collectroll harassment of people in such circumstances who just need some time and breathing room to get back on their feet. And ensuring living expenses are met first is far more important than credit card bills, temporarily. But to walk away entirely and wash your hands of your responsibilities is not only wrong, it makes things more expensive for the rest of us as well.

conflictgirl  (1000+ posts)      Tue Oct-13-09 03:10 AM
Response to Reply #23
 
27. But if you get behind even temporarily you can never catch up

I paid Chase the same day my payment was due (made the payment online) but paid it after 5pm, so they said it was late and slapped me with a $40 late fee and added it to my minimum payment. Because of the late fee they raised my interest rate to 29.99%. I couldn't afford the amount of my minimum payment the next month so I missed that payment.

My minimum payments used to be $80. Now with the late fees, two months payments (one missed payment plus another, plus two months late payment fees, plus the extra interest) they now say I'm supposed to pay them $324. I could barely afford the $80 before because I only work part-time and my husband and I are supporting three kids on a low income - we qualify for a few forms of assistance. How the **** does Chase think I can afford $324 now? Meanwhile their barely-English speaking call center agents are calling me twice an hour every day.

I don't want to walk away from my debt, I do feel that I owe it, but I think they are totally screwing me over and I wonder how long I should keep taking it.

FlyingSquirrel  (1000+ posts)        Tue Oct-13-09 04:06 AM
Response to Reply #27
 
30. So often times it happens that we live our lives in chains

And we never even know we have the key.

I'm walking away. I hope more and more will do the same, because the credit card companies are out of control and people who try to shame us into taking it up the ass are being duped into putting forth old-fashioned values in a world where the only people who believe in them are the slaves.

It's a rigged game. You're more likely to win some dough at a casino, actually, than to pay off your credit cards these days.

And just walking away is better than bankruptcy because it won't stay on your record as long and is less difficult and costly.

At least this is my current feeling. I am searching my feelings for any possible trace of remorse. I'm not finding any.

[Carl]

More from the smartest among us.

conflictgirl  (1000+ posts)      Tue Oct-13-09 03:10 AM
Response to Reply #23
 
27. But if you get behind even temporarily you can never catch up

I paid Chase the same day my payment was due (made the payment online) but paid it after 5pm, so they said it was late and slapped me with a $40 late fee and added it to my minimum payment. Because of the late fee they raised my interest rate to 29.99%. I couldn't afford the amount of my minimum payment the next month so I missed that payment.

My minimum payments used to be $80. Now with the late fees, two months payments (one missed payment plus another, plus two months late payment fees, plus the extra interest) they now say I'm supposed to pay them $324. I could barely afford the $80 before because I only work part-time and my husband and I are supporting three kids on a low income - we qualify for a few forms of assistance. How the **** does Chase think I can afford $324 now? Meanwhile their barely-English speaking call center agents are calling me twice an hour every day.

I don't want to walk away from my debt, I do feel that I owe it, but I think they are totally screwing me over and I wonder how long I should keep taking it.

An 80.00 minimum would translate into a pretty high balance,probably well beyond what a person of self proclaimed poverty should be doing.
You make any payment online and it is clearly stated that it may take a day or more to be credited to your account.
No way to know but am guessing it would have been worth a call to see if that could have been negotiated away.

No they are not screwing you over...you signed an agreement that spelled out the terms of the credit agreement and you violated those terms.
End of discussion.

FlyingSquirrel  (1000+ posts)        Tue Oct-13-09 04:06 AM
Response to Reply #27
 
30. So often times it happens that we live our lives in chains

And we never even know we have the key.

I'm walking away. I hope more and more will do the same, because the credit card companies are out of control and people who try to shame us into taking it up the ass are being duped into putting forth old-fashioned values in a world where the only people who believe in them are the slaves.

It's a rigged game. You're more likely to win some dough at a casino, actually, than to pay off your credit cards these days.

And just walking away is better than bankruptcy because it won't stay on your record as long and is less difficult and costly.

At least this is my current feeling. I am searching my feelings for any possible trace of remorse. I'm not finding any.

Efff you,its is not a rigged game that took advantage of you.
You are too stupid and irresponsible to use it correctly and no matter how you try to justify it the bottom line is the same.
You are stupid and irresponsible.

DUmmies being worthless deadbeats,now there is a surprise.

[JohnnyReb]

Dear Chase Bank:

I am a customer of yours.

When I call Customer Service, I expect quality customer service.

Dear DUmmie:

We have closed your checking account of $1.32 and applied it to your outstanding Credit Card bill. We hope this inconveniences you as much as you inconvenience us.

Chase Bank
Collection dept.

[Chump]

The guy gave his name as "Kevin Jones" or something similar, with a pretty thick accent, and I just let him have it. I said, "Bullshit! Your name is Rajiv Patel, and if you're going to call me and f*cking lie to my face before we even get f*cking started, I'm gonna hang the f*ck up right f*cking now!"

No you didn't; you thought all of that.  You have thoughts like this all the time.  You're a very angry person on the inside, filled with vile rage like that shown in your above fantasy.  Please stay behind the computer screen as much as possible.

I just stopped paying my credit card bills. End of story. Took zero effort. My credit is already shot thanks to a job loss.

Non-sequitor.  Losing your job is not a reason to ignore your responsibilities, no matter how much you'd like it to be.  You ****ed your credit up all on your own, deadbeat.

[ReaganForRushmore]

What I cannot fathom is the fact that the people used the credit cards based on the faith that the obligation would be paid back since they used the card for cheetos and paypal for Skinner's fund drives.
I have an attitude that "I'll just walk away from my responsibilities because I lost my job!" shows that the mental mindset of liberals is askew to say the least.

I have had applicants who have applied for work with my firm in which I do screen credit checks upon consideration for hiring. Guess what?, I take people who are responsible and pay their obligations. Why?
Because in my field (financial services) why would I want someone irresponsible in their personal life handling financial transactions and advising clients of money management when they cannot run their own lives?

[IassaFTots]

Non-sequitor.  Losing your job is not a reason to ignore your responsibilities, no matter how much you'd like it to be.  You ****ed your credit up all on your own, deadbeat.

I was laid off on 9/7/01.  Talk about some bad timing.  Took near a year to find something.  Now, I did odd jobs like housecleaning, contract work, even worked for the post office, and I did take my unemployment.  Sometimes I even went without gas, well in the summer I did, because I could do without hot water.  I will tell you the one thing that saved my butt?  I got the credit protection insurance on the few credit cards I had, and they were very accomodating with a sliding scale program, as long as I showed proof of my continued unemployment, which was easy enough.  Now, I still showed up with slow pay, but I had all the documentation, and have been able to provide that as an extenuating circumstance, even when I just bought a house this year. 

[Chump]

I was laid off on 9/7/01.  Talk about some bad timing.  Took near a year to find something.  Now, I did odd jobs like housecleaning, contract work, even worked for the post office, and I did take my unemployment.  Sometimes I even went without gas, well in the summer I did, because I could do without hot water.  I will tell you the one thing that saved my butt?  I got the credit protection insurance on the few credit cards I had, and they were very accomodating with a sliding scale program, as long as I showed proof of my continued unemployment, which was easy enough.  Now, I still showed up with slow pay, but I had all the documentation, and have been able to provide that as an extenuating circumstance, even when I just bought a house this year. 

I see.  It seems that in the face of adversity and trying circumstances, you prevailed due to your work ethic and responsible preparation for future uncertainties.  Personal responsibility, eh?  I think you might be on to something here...

[Celtic Rose]

The mentality of the DUmmies just astounds me.  The idea that they would just walk away from their credit obligations is flabbergasting.  They are now admitting that they as good as stole everything they bought on those cards.  They are the ones that are making getting loans and credit so difficult for those of us with good credit.  Credit cards are not intended to take the place of income, but rather to allow you to spread out the payments for large purchases, and credit card companies loan you the money expecting you to pay it off in a timely manner.  They are now raising the interest rates on everybody to recoup their losses from idiots who obviously never should have had credit in the first place. 

I blame the DUmmies for the fact that the interest rate on my visa just went up 5% 

[IassaFTots]

I see.  It seems that in the face of adversity and trying circumstances, you prevailed due to your work ethic and responsible preparation for future uncertainties.  Personal responsibility, eh?  I think you might be on to something here...

My personal responsibility was clearly motivated by the example set forth by my grandparents and parents.  They all experienced tough times, and weathered through.  The very last thing I would want any of them to know is that I failed on an obligation.  To be not worthy of cutting the snuff in their eyes, was way worse than any kind of bad credit score.

I blame the DUmmies for the fact that the interest rate on my visa just went up 5% 

What you said. 

[The Village Idiot]

Flying Squirrel thinks that racking up huge bills on a credit card is "chains" to walk away from.