After a major setback in income, we were forced to work out payment plans with our credit card companies. Our plan with Citicard was completed in November. We received a letter stating they wanted to "reward us" for completing the plan satisfactorily, but with no details. Then we received a phone call stating that if we paid an additional $150, it would bring our account current and our interest rate would be 19% (as opposed to the loan-shark rate of 32% that companies are allowed to charge for some reason).
We promptly paid this amount, wanting to get our credit back in line. This was on November 18. On December 8, we received another phone call stating that because the interest rate was at 32% (go figure), it put our balance over the limit again, and we would need to make an additional payment, which was much more than we had, to get it current (again) and bring the interest to 19%. I explained that we were told something different. The rep said she would look into it and get back with me. I never heard anything. Then I got another phone call saying we were behind by $300, even though we were making regular payments.
Today, January 19, I spoke with a supervisor, Donna, who was extremely rude and disrespectful. I let my emotions get the better of me, but I never cussed at her or said anything offensive. I only raised my voice because she was not listening to me. She hung up on me.
My husband then called and asked for another supervisor, Mrs. Hodges. He was on the phone with her a good 15 to 20 minutes and had to regularly ask her to please let him finish speaking because she kept interrupting. Both of these supervisors admitted that the notes on our account indicated that we were told what we said we were told, but that it was wrong. Mrs. Hodges eventually hung up on my husband, even though he was very polite and never raised his voice.
He then called back AGAIN and finally spoke with someone who was at least somewhat considerate. However, that person also said that we were given wrong information and basically are stuck.
If a company tells you something and you do it in good faith, they should stand by it no matter what their normal practice is. Citicard is very unreasonable and extremely difficult to work with. Once I get this bill paid, I will never use them again, and I will tell everyone I can not to do business with them, because it is impossible to get any understanding or consideration from them.
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