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I decided to write here about the incident that happened today since it was quite traumatizing and I wanted to warn you, so you won't find yourself in my place... Please read, I try not to make it that long.
Over last two days I had 4 missed calls from the same, unknown number. Looked like a cell phone number or something. Never left any message. So the next time I seen a call from the same number (today morning) I decided to answer. I was asked if I was ______ (my name and last name) and a man said he is calling from VS credit card account and I am late two payments and if I would like to schedule a payment now. In shock, I said that I never received any bills in mail, and that is the only reason why I did not pay. He told me that I signed up for receiving my statements through email, which I never did! I told him so, and he started being rude, insisted that I did sign up for it last time I was making online payment. I kept on saying I did not, and he started raising his voice and being very pushy asking me over and over if I am going to make a payment. He said I must have sign up for having statements sent on email by accident, when I was making an online payment. I told him that I did not want to talk to him anymore, since I did not know who he was, and I did not feel comfortable with him calling me like this and yelling at me over the phone. He kept on asking, in a very pushy manner if I am going to pay, I said yes, and then he started to ask in the same way if I am going to make a full payment or only partial payment. I told him that "I will resolve this within next few days" and that I did not want to talk to him about the details since I did not know who he was, and the whole thing just weirded me out. He did not want to get off the phone and repeated his question about the full payment. He also said things like "it is for your own good" and stated that I have to tell him if I want to keep good credit. He was so pushy and intrusive that I cried, and he heard it. I finally asked him "did you call me before?" (because I wanted to ask him how come he called me 4 times before and never left any professional sounding message). When I asked him that, he said "have a good day" and hang up!
Still in shock and shaken, i called the number on VS credit card. I spoke with different man. He was nicer, he told me that i was indeed two payments late. I told him that it was not y fault, that I never signed up for email statements, and asked him to take off late fees. He only took one off (I have two) and said this is all I can do. Then, he asked me if I would like to make a payment on the phone, I said yes. He said he has information about my checking account. He said he needs to verify his info, asked me about my phone number. Then he asked about my work phone! and where do i work, the name of company! I said: why does it matter, I never shared this information with credit card company and I don't feel comfortable talking about where I work on the phone. He tried to make me say it, but I refused. He said payment was made.
I just feel so horrible, especially about the first phone call. i felt like a character from some Orwell novel. This guy was so rude and unprofessional. Another thing is that I never signed up for email statements, and I think that even if somehow it happened by accident or because of some program error, I still should be sent notification in mail, stating that I will no longer receive my statements in regular mail. I also checked my email address (the one I gave when I was making an online payment, I rarely check it) and there are no warning emails stating that I was late (and supposedly I was late two times). I feel violated, betrayed.. And I was always such a faithful customer, always paying my bills online.. I spent ridiculous amounts of money using this card. This whole incident was so disturbing to me.
I am planning to call them again, speak to manager and ask for explanations about the behavior of this person that called me. I will also tell them that I want them to cancel all my late fees, because I did not sign up for online statements and it is not my fault that i was late with payments. If they won't do it, I will cancel this account... and I will write a letter to Victoria's Secret customer service about how their bank treats their customers... I still want to be VS customer, but I won't use their card anymore, unless they change the bank that serves them...
sorry. i needed to get it out. Thanks for reading. Maybe one of you were in similar situation before and could offer me some advice about what I should do?
Over last two days I had 4 missed calls from the same, unknown number. Looked like a cell phone number or something. Never left any message. So the next time I seen a call from the same number (today morning) I decided to answer. I was asked if I was ______ (my name and last name) and a man said he is calling from VS credit card account and I am late two payments and if I would like to schedule a payment now. In shock, I said that I never received any bills in mail, and that is the only reason why I did not pay. He told me that I signed up for receiving my statements through email, which I never did! I told him so, and he started being rude, insisted that I did sign up for it last time I was making online payment. I kept on saying I did not, and he started raising his voice and being very pushy asking me over and over if I am going to make a payment. He said I must have sign up for having statements sent on email by accident, when I was making an online payment. I told him that I did not want to talk to him anymore, since I did not know who he was, and I did not feel comfortable with him calling me like this and yelling at me over the phone. He kept on asking, in a very pushy manner if I am going to pay, I said yes, and then he started to ask in the same way if I am going to make a full payment or only partial payment. I told him that "I will resolve this within next few days" and that I did not want to talk to him about the details since I did not know who he was, and the whole thing just weirded me out. He did not want to get off the phone and repeated his question about the full payment. He also said things like "it is for your own good" and stated that I have to tell him if I want to keep good credit. He was so pushy and intrusive that I cried, and he heard it. I finally asked him "did you call me before?" (because I wanted to ask him how come he called me 4 times before and never left any professional sounding message). When I asked him that, he said "have a good day" and hang up!
Still in shock and shaken, i called the number on VS credit card. I spoke with different man. He was nicer, he told me that i was indeed two payments late. I told him that it was not y fault, that I never signed up for email statements, and asked him to take off late fees. He only took one off (I have two) and said this is all I can do. Then, he asked me if I would like to make a payment on the phone, I said yes. He said he has information about my checking account. He said he needs to verify his info, asked me about my phone number. Then he asked about my work phone! and where do i work, the name of company! I said: why does it matter, I never shared this information with credit card company and I don't feel comfortable talking about where I work on the phone. He tried to make me say it, but I refused. He said payment was made.
I just feel so horrible, especially about the first phone call. i felt like a character from some Orwell novel. This guy was so rude and unprofessional. Another thing is that I never signed up for email statements, and I think that even if somehow it happened by accident or because of some program error, I still should be sent notification in mail, stating that I will no longer receive my statements in regular mail. I also checked my email address (the one I gave when I was making an online payment, I rarely check it) and there are no warning emails stating that I was late (and supposedly I was late two times). I feel violated, betrayed.. And I was always such a faithful customer, always paying my bills online.. I spent ridiculous amounts of money using this card. This whole incident was so disturbing to me.
I am planning to call them again, speak to manager and ask for explanations about the behavior of this person that called me. I will also tell them that I want them to cancel all my late fees, because I did not sign up for online statements and it is not my fault that i was late with payments. If they won't do it, I will cancel this account... and I will write a letter to Victoria's Secret customer service about how their bank treats their customers... I still want to be VS customer, but I won't use their card anymore, unless they change the bank that serves them...
sorry. i needed to get it out. Thanks for reading. Maybe one of you were in similar situation before and could offer me some advice about what I should do?