I was more than happy to sign up for the magazines I was offered at a great deal because I had won a sweepstake I entered. I provided my credit card and authorized the payments to be taken for 1 year. I then had to report my credit card lost/stolen with my bank and this is where the trobule begins.
I got a call from VMS stating my account was past due. The VMS agent informed me they received a return code of card reported lost/stolen. I confirmed this and explained that I expected the card on the 20th, ten business days from the day I reported my card lost/stolen. He asked me which day I reported it and I told him the 6th. He then told me if I could count and look at a calendar, I would see than my new card should be there on the 19th. I told him not to count the 6th, which was a Friday, as the 1st business day. I found this to be really rude and I said what I am 2 days late and you are treating me like this. He went on about well I should just pay my bills and then I wouldn't be getting calls.
They began calling me constantly asking if I had received my card. I did not receive my card when I anticpated it, so I checked with my bank. The bank was going through a banking software conversion and it is possible the card was delayed due to that. I wait a few more days, still no card. I then requested a 2nd replacement card. I have explained all of this to VMS and they are rude and vicious. They are telling me that I am not telling them the truth and start hounding me to do an electronic check. I am not comfortable do an electronic check with these people at this point. I tell them I will pay as soon as I get my card because I am provided my protection by using my card. They begin telling I should have more than one credit card. I said I didn't wish to have more than one and I like having my card attached to my checking account. He then want to tell me that I don't have a credit card, but a debit card and they are not the same. I explain the main difference is I don't pay interest and can only use the money I have already earned.
I have gotten very irrate with these people telling me about my banking affairs. I have cussed them out and now they have sent me to their collections department.
Now I they have told me that I just need to be honest and tell them I just don't want to pay my bill. At this point, I don't want to pay my bills. They tell me that I am the one that made this mess and I should act like a grown up. I said that I am a victim of circumstance and the guy told me that I was just making words up. He told there wasn't even a definition for victim of circumstance. And these people think I am an idiot.
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