I am not even expecting good customer service but how about just the absence of customer hostility. The latest from Discover Card. I still have not received the money they said they would send (waiting more than a month now) – this is the amount they overcharged my bank (after they had already been told the charges were invalid. I guess it is acceptable to charge me for charges they knew were invalid?). But heck even accepting that, how about paying that money back as they said they would.
Amazingly they did send me a “bill” [with a balance they owe me instead of me owing them so it is not really a bill in the sense of money I owe them] for the account they said didn’t exist which was the reason they claimed that they could not pay the cash back bonus they promised. If people didn’t expect credit card companies to provide outrageously bad customer service wouldn’t this be seen as shockingly bad – so much so that certainly no company would tolerate it if it was brought to their attention. Well, we have evidence that such a thought is not true when dealing with Discover Card.
So according to Discover they don’t owe the money on the cash back bonus they promised because the account is closed. Yet they send me a bill (with a balance owed to me but it is exactly like the bill I would get from them each month including the cashback bonus section where instead of listing the amount they promised to pay me they list $0) that has an new account number on it. Paying what they promised in cash back bonus doesn’t seem like it would be hard (and frankly I can’t imagine not paying it in this circumstance can be acceptable according to the rules but who has the time to try and fight with them). And they don’t send the money that even they agree they owe, but instead just send a bill? What are they thinking?
As I said in a previous post if Discover Card pays the money they owe I will add an equal amount of my own money and lend that amount through Kiva (a charity that arranges loans from individuals to those in need worldwide on the micro-lending model). And I will either continue to roll those loans over for at least 10 years or I will donate the entire amount to a micro-lending charity (if for example Kiva shuts down or I decide that they are not doing a good job or whatever).
I am still seeking advice for any credit card company that actual treats customers well. I understand we have a surplus of companies that seem to think they exist not to serve customers but to take them for all they are worth. But you would think at least a company or two would take the strategy to just provide good service and attract the customers that don’t want to get the feeling they are dealing with someone that actual wants to provide good service in exchange for the chance to make a profit instead of feeling you will be taken if you don’t fend off each attempt to trick you out of your money (or stop them from tricking you out of what they promised). Anyone with advice please leave a comment.