SHIT SHIT SHIT SHIT SHIT SHIT SHIT SHIT!!!
I do not even have the PATIENCE to DESCRIBE all the annoying TELEPHONE CALLS
I guess the OP has dial-up Internet service, and just went a little too far.
Sorry, and I hope you find the dial tone again.
In order to provide you with quality service, this thread may be recorded. Then again, it may not be. Either way, we’re not going to tell you. Have a nice day and enjoy your (insert name of non-functioning piece of crap here).
Oh, fuck, now I can’t even post threads!!!
AAAAAAAAAGGGGHHH!!!
People are fucking around with my FICO score (it’s high! it’s low! you’re a deadbeat! here, borrow some money!) and want me to pay them for information. But won’t tell me what’s going on; I want to know why my score (provided free by my credit card company) took a nosedive in September.
There’s nothing on my (free, fuck you!) credit report to correspond with this!
And once I paid the assholes at TransUnion to show me my score themselves, they gave me a different value!
So just try calling Customer Service. Go on, I dare you!
You’ll get some incredibly polite Indian guy or chick who has ABSOLUTELY NO IDEA WHAT YOU’RE TALKING ABOUT!!
Or, conversely, try calling a bank about an item on your credit report that looks like an error. Go ahead, I dare you!
You’ll get a different incredibly polite Indian guy or chick who has ABSOLUTELY NO IDEA WHAT YOU’RE TALKING ABOUT!!!
They’re real live human answering machines. It’s the weirdest thing. In a completely calm, rational, pleasant voice, they ask you to repeat your story again and again. They just love listening. Then put you on hold (after getting permission - NO! You Can’t). Then ask you again. Then on hold. Then ask for story.
One chick couldn’t understand that I originally did business with their bank in Pennsylvania, but now live in Iowa and - guess what - there’s no branch in our neighborhood. Or STATE.
Tell you fucking what, if I had any money to invest (which obviously I don’t or I wouldn’t be sweating my lame FICO score), I’d start buying antacid futures over in India, because those people are eventually going to start losing it.
And I think those fuckers over at TransUnion and Experian and whatnot are just pulling numbers out of their asses to get people to pay them for “information”.
Do you have credit in a lot of places? Multiple cards, etc? I tried dealing with these assholes once myself and ended up going fucking ballistic on the phone and never even received my free report.
You know, I did manage to navigate Experian’s website, and TransUnion’s, well enough to get the free report. It just doesn’t tell you what your FICO score is - for that you have to pay at least $6.
I find it incredibly misleading that Providian would tell me they’re giving me a Free Peek at my FICO from TransUnion, as one of my benefits of card ownership - and then the number starts going goofy & nobody can explain why. Totally baiting me into buying more information - what’s to stop them from giving you any old number in the book?
And then Customer Service? It’s mind-boggling. It’s like they pulled random strangers off the street and told them to answer phones. And you feel sorry for them, b/c they’re so polite and so lost. Until you realize it’s YOUR TIME AND ENERGY that are being wasted.
Oh, and I had to run the whole Spybot thing to clear out my system, it was thoroughly infected after my jaunt through Credit Land.
Gee, ya wonder why some of us have become paranoid and hostile towards corporate America.
I have a fairly-recently acquired Providian card as well. The one time I talked to them was when they called to tell me that I had been accepted. Except that the woman spoke NO ENGLISH. I mean, she could read her canned speech (in a very heavily accented voice) but when I tried to ask a question she was completely lost. Finally I just said, “Thank you,” and hung up.
I don’t blame her, or the others like her. I blame the company for hiring them. You’d think they could find English-speaking people in India, who know enough to understand, “I was actually accepted?” without it throwing them off and making them start their speech over again. I honestly believe she could not have even the simplest English conversation. This is not good if you are trying to communicate with those of us who speak it.
Your name is NOT “Steve.”
I don’t even care what your real name is, but your name is NOT “Steve.”
And I don’t want to be transferred to “Aaron” or “Molly” either.
Anglicized names do NOT make me more comfortable and enhance my experience.
Proper customer service does.
What sucks is that we can’t vote for better customer service from the Big Three credit reporting agencies. We are consumers against our will.
I know people named Vivehananthan and Norbortdeepa. Well, know as in they’re in the same department and we’re in one class together. I have no idea how to pronounce those names, though I could give it a shot (honestly, it’s never come up.) But I agree, this fake American name thing is annoying.
Six bucks? The federal government allows you to get one free credit report every 12 months from each of the three major reporting agencies.
https://www.annualcreditreport.com/cra/index.jsp
Free and easy - at least, in my experience.
It is because your name is Buttle.
It wasn’t the report (I did get that for free) it was the FICO score. Which seems to be proprietary information, like the recipe for Coca-Cola.
Fuck you India
Fuck you terror
Fuck you disillusionment
Fuck you frailty
Fuck you consequence
Fuck you, fuck you silence
I digress, were both scores you received FICO scores? Transunion, Experian, and Equifax all have FICO scores as well as their own FAKE-O scores.
What company did you call that left you with an unpleasant experience in India?
It looks like an indictment against everyone.
What’s weird is that the FairIsaac website offers you acces to all three of your FICO scores (for just $45!).
I thought I was pretty specific about the companies toward whom I was directing my ire - TransUnion, Experian. And then there’s Sovereign Bank, although I did find a reasonable person (in the US) eventually.
I hope it’s clear that I’m not implying that Indian workers can’t or couldn’t do a good job - the ones I spoke with simply didn’t have the tools.
I find it amusing everytime I happen across this thread, being that i was born in India, although I’m an American. I just wanted to pop in and day - I sympathize, and I know you’re not really pitting all of India. Although I might not blame you.
That’s the short version of what I was getting at. I’m sure that woman I talked to was just as frustrated as I was. Not her fault.
It’d be like if I were a telemarketer or something (I’d STARVE first!) given a Spanish script and told to call people with it. I could read it, but I couldn’t understand much of what I was reading, my accent would be awful, and I sure couldn’t have a conversation concerning what I was saying.
Nobody in their right mind would hire me to do that job. So why do they do that to folks in India? I know labor is cheaper, but it seems terminally stupid to put mostly non-English speakers on the phone to English speakers!
The fad started with people who could speak correct, fluent English. The trend ballooned. Soon all the fluent English speakers were hired. The trend demanded more fresh vindaloo. They began hiring anyone who listed English as a language on their résumé. No time to check the level of aptitude, just hire them fast.
Yesterday as I activated a new credit card I was on the phone with an Indian who gave his name as “Marcel.” Oo la la, monsieur Marcel, looks like they’re hiring from Pondicherry now.