...when I called to close my account, the guy I spoke with told me, he could credit my account $100 if I made a payment today. I told him I could not make a payment today and all I wanted was to close my account, he then managed to continue on telling me how my credit will be ruined, I will have trouble getting a job etc. I understand, in some manner, he was trying to help by crediting my account, but when I told him more than three times I did not have the money today, he kept on going on. How much is too much? I don't know if I am jumping the gun here, but this guy had me crying (literally) after what he was telling me. I am currently working to clear up my credit with a loan, and I told him that as well. Did he have the right to make me feel that way? I don't know if I was overreacting or not because I am stressed due to my current debt situation, but he seemed mean and unwilling to hear my request, which was simply "close the account." Am I wrong to feel this way?
2006-07-24 06:33:35 · 14 answers · asked by Anonymous in Society & Culture ➔ Etiquette
He's an a$$.
They'll likely continue to consider the account "open" while you still owe a balance, but that doesn't have to stop you from cutting up the card.
Good luck.
2006-07-24 06:37:24 · answer #1 · answered by Anonymous · 1⤊ 0⤋
No, that guy did not have the right to harass you to the point of crying. I am assuming that you have a bad credit record so closing one of your accounts is a good move. However, your credit record-- regardless of how bad it is-- does not give anyone the right to harass you about your record. If the account is in good standing or you're transferring the balance, you have every right to close it. It looks like he simply didn't want to close the record because it looks bad for Customer Service Representatives not to protest. But you should file a complaint about him and take this as a lesson for why you should NOT rack credit card debt. Most of the credit card companies don't even pay too much attention to individuals or bother to train their CSRs very well because they know that they have you by the balls.
Complain about this particular CSR and just remember, be firm. You've acknowledged that you have a debt problem, which is a hell of a lot more than most people are doing. Closing an account is one of the steps you can take to solving your problem-- you are not beholden to some crappy credit card company that wants to suck all the money they can out of you. You do not need to explain yourself to them-- if you have handled everything and all that is required is for the account to be closed, do not let them bully you into doing anything else.
Good luck and I hope you clear up your debt.
2006-07-24 13:41:40 · answer #2 · answered by Esh F 2 · 0⤊ 0⤋
If you request to close your account, it in no way should affect your credit rating as the closure, if done properly, will be flagged as "closed by customer." Generally the procedure is to pay off an account in order to close it, nevertheless this person overstepped his bounds and had no business informing you that you will have trouble getting a job.The next time a customer service Representative (always get their full name) does not respond to your request within 10 minutes or it is clear there is a communication problem, ask to speak to his supervisor and say no more to this individual. Explain your position to the supervisor (get any person's full name), hopefully this person can clear things up for you by explaining their policy and what action you may take. You feel genuinely insulted and rightly so, my next step would be to write a clear and concise letter of complaint to the company.
As to your debt situation, try contacting a Debt Consolidation organization (always check them out with their local Better Business Bureau). These organizations can help with all your debt issues and can talk to your credit card companies possibly reducing the amount of interest you owe thus reducing your overall debt. Good luck!
2006-07-24 14:06:06 · answer #3 · answered by Caffeinated 4 · 0⤊ 0⤋
No you are not wrong to feel that way, he was out of line for all of that was saying all he could of did is closed you account for you and ended the the conversation by asking you was you sure that was what you wanted to do and told you thank you have a nice day. Don't stress over that just try again another day hopefully you will be more aggressive or may be another worker will answer the phone.
2006-07-24 13:44:40 · answer #4 · answered by daimond_princess 2 · 0⤊ 0⤋
Thats their job. Those people probably only get paid when you pay the company. They will say anything to try and get you to pay. Yes it will probably hurt your credit, but wont stop you from getting a job. If a less tha nperfect credit score stopped you from emplyment, Millions of people would be screwed. The next time, ask to speak to his supervisor and demand the account be closed. I reccomend not to take things so personal, he has probably heard "I cant pay" 100 times before you called that day. Hes just doing his job.
2006-07-24 13:39:13 · answer #5 · answered by cognitively_dislocated 5 · 0⤊ 0⤋
if you close your account with a balance on it that you cant pay back right away, it will go against your credit. once you close, they will send you a final bill for the full balance due asap. if you do have a balance on it now that you cannot pay off right away, i suggest that you keep the card open and don't use it and pay off the balance. if you don't have a balance on the card, then call them back and demand that they close it. don't take crap from them. keep insisting and if you get nowhere, ask to speak to a manager. if all fails, write a letter to them to get it in writing. and your final resort would be to file a complaint with the better business bureau.
2006-07-24 13:40:57 · answer #6 · answered by islandgrl 4 · 0⤊ 0⤋
No my mom was also in tears after asking her credit card company to close her account. They don't want you to close it, because they make lots of money off people who can't pay off their balance. They are trained to give you a really hard time - ask to speak with his supervisor and that should make things much easier.
2006-07-24 14:02:04 · answer #7 · answered by ontario ashley 4 · 0⤊ 0⤋
I think they are trained to be that way all the time. I haven't been in you situation so far, but I've had them act like that before. All I wanted to do was change my address, but they kept asking me to sign up for all these special offers, insurance, wanted a work phone number even though I told her I am a stay at home mom right now.
Just give them one sentance until they shut up--"No, thank you."
or hang up.
2006-07-24 13:40:26 · answer #8 · answered by theobromo77 4 · 0⤊ 0⤋
You would be surprised how many times these people are reading a script from a computer screen.
"what to say when someone asks to close an account".
They are lying crooks. Don't let them upset you.
2006-07-24 13:38:46 · answer #9 · answered by ivehadit 4 · 0⤊ 0⤋
Your not wrong! I thought you had to pay the balance before you could close an account?
2006-07-24 13:37:05 · answer #10 · answered by littlebopeep 3 · 0⤊ 0⤋