Add another company to my shit (hit) list.
My grandmother is 92 years old. She has always paid her Discover bill on time. A few years ago they jacked up her rate to 21% and she could not figure out why. When she contacted them nobody would help her. They told her that was the best rate they had. We both knew they were full of shit but they refused to lower it. All she wanted was to get the son of a bitches paid off and never have to deal with them again. It seemed that no matter how long she paid she just never paid it up. The Discover currently has a balance of $2,800. Now that doesn't seem a lot to me and you but for a woman whose net income is only $1200 per month in social security, $100 a month for Discover is a lot. Yet she's paid it month after month, for years. Had they not jacked up her rates, she would probably have paid it off already.
Anyway, recently grams got tired of their crap and lack of customer service so in defiance she decided to pay what SHE felt she should pay, which is about $50. She knows that they have made way more than they ever should have off of her so what's the big deal? Actually she had called them asking if she could make arrangements to pay lower payments and they wouldn't work with her. She was pissed off and said "screw it" and began sending them half. Well that's when she began getting nasty letters and phone calls from them.
Last week sometime she received a letter from them, probably telling her she was behind by about $100 because she wasn't making the full payment. Well, she called them and spoke to a young man named Kyle who proceeded to threaten her. He told her that if she didn't pay the bill in full he would call the IRS and report her. He made other vague threats too. Of course he doesn't know who he's dealing with because she might be 92 but she isn't STUPID! She asked him what he expected to gain from it and he said to her, "Well if you won the lottery you would expect to pay taxes on it right?" and I'm thinking "WTF does THAT have to do with the price of tea in China?"
Anyway, she was willing to make an agreement with him to settle on $1500 and call it quits. I mean she has paid down at least $10,000 on that card over the years, they have made a lot of money on her! She said she would borrow the money and send a cashier's check, to which he replied they do not accept cashier's checks. (HUH? ) The only way they would accept the payment is by dipping into her checking account. That dumb punk kept insisting grams give him her checking account info. He kept harassing her and trying to make her think they were going to take her assets and everything else. What a dumbass! She laughed at him and then eventually he transferred her to Nathan who proceeded to do the same thing. Finally she told him off and hung up. And can I just add you've never been told off until you've been told off by a 92-year old Italian woman!
So, my goal is to I'm going to write a nice letter to David Nelms, CEO of Discover Card Services, 2500 Lake Cook Road, River Woods, Illinois 60015, and tell him exactly what I think of his company and his dumbass customer no-service asshats threatening old ladies and demanding their checking account numbers. My grandmother may have been born at night but it wasn't last night. She's too smart for these assholes. In the meantime she's going to go back to the regular payment because she's sick and tired of Discover calling her house and hanging up or calling and harassing her.
Can't wait to see the look on Nelms's face when he reads my letter. You don't f*ck with my grams and get away with it.