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[personal profile] drwex
(Rant edits thanks to wifey; Chase Card Services are still an oligopoly but they're no longer a target of this rant.)

Once upon a time there was a really cool little alternative long distance company (remember when long distance on your landline was relevant? And competitive?). If you signed up with them you got a coupon for a free pint of Ben & Jerry's ice cream once a month for a year. Plus they gave money to good lefty liberal environmental and women's rights-type organizations. They were called Working Assets and they were pretty cool.

Well, they still exist. You can still get Working Assets long distance and I'm told they run the same coupon promo now and then. But in the meanwhile they got really big. When their long distance service became rebranded Sprint I cringed and went along with it because, well, OK Sprint sucked really large hairy rocks and besides sometimes they were rebranded MCI anyway, and wasn't it worth dealing with crap service organizations because it was for a Good Cause? I've no idea who they are these days. I technically still have their long distance on my landline, but who uses that anymore?

Working Assets got bigger, too. Wireless and credit cards are now their big money-makers. And like all these other "use our card/service" things, it's just a rebranding of a big-name company's service. Working Assets really doesn't have anything to do with it. They market it and funnel the cash to organizations that I still think are worthwhile.

So last night we canceled our "Working Assets" card. We canceled because the card processing house (MBNA) managed to bork things up in a horrid way and wouldn't fix it.

Basically, they failed to deliver us a bill last month, so we didn't pay it. This month's bill showed up with a huge balance due and craploads in charges and interest. Attempting to pay the thing off on the spot led to an argument about why it would take them 48 hours to "post" our tele-check, at a cost to us of $15/day. I honestly don't know the details - in our household Pygment deals with these kinds of things because she's capable of speaking to these people and not shouting things like "DIE, YOU FUCKTARD!" at them, which is more or less my second response to stupid people and inflexible bureaucracies.

Somehow Working Assets has a worse processing house than everyone else. I've missed payments before, with more than one vendor. You call them up, give them a check and routing number over the phone, and it's done. None of this "forty-eight hours and $30 more in charges" BS. But I have no way to communicate to Working Assets that their end service sucks. I can't demonstrate to them that their idiot processor just lost them a customer who's been with them for 15 years. And I doubt they'd care, anyway.

(On the other hand, United Mileage Card are COMPLETE INCOMPETENT FUCKTARDS. These people could screw up a wet dream, I swear. We've been trying to cancel _that_ card for going on three months now and they've got such a case of recto-cranial inversion that even Pygment is losing patience with them.)

Date: 2006-09-14 03:15 pm (UTC)
From: [identity profile] sweetmmeblue.livejournal.com
Minor correction on your rant Motik. Working Assets uses MBNA America which is the one that has the WORST statements of any of the cards including putting all the useful info about what card this is, the account number and the phone number for calling, on the part of the statement you SEND BACK TO THEM.

Oh and we haven't cancled the WA card yet. The customer service person I spoke to last night said he couldn't do that it had to be handeled by a different part of the call center.

And yes. Chase also sucks. They are the one that keeps assuming I'm calling about one card when I'm not and I've been in dispute with their fraud department for 3-4 months now.

--trying to do the voodoo that I do so well and failing makes me cranky but I'm still being polite. :)

Date: 2006-09-14 04:48 pm (UTC)
From: [identity profile] quietann.livejournal.com
ugh on the news from Chase. I have two cards from them, thanks to mergers/sales of accounts etc., both with outrageously high interest rates (I pay them off every month, but...). I've applied for a credit card with my credit union, with <10% rate, and hope to cancel both Chase accounts soon!

Date: 2006-09-14 04:51 pm (UTC)
From: [identity profile] sweetmmeblue.livejournal.com
The Working Assets did have a 10% rate and we always pay off the cards at the end of the month. The rate for us isn't the issue. It was the charging us interest for 2 more days while we are trying to pay off the account and make good on THEIR mistake. They call it our mistake cause we should know when our bills are and have the ability to check our account on the web so that we are not solely dependent upon a paper bill.

Date: 2006-09-14 05:10 pm (UTC)
From: [identity profile] goddessfarmer.livejournal.com
I had a problem one month with MBNA in that the post office ate my bill and it arrived mangled after the due date. I call them ASAP, told them what happened mailed a check and they removed the late fees. I'm kinda surprised they put you through the wringer, as I've had good luck with that one. Some of my bills (Discover, Verizon wireless) send me an email every month to let me know the bills are posted, I don't pay on-line and I do wait for the paper bill, but I'll know if late. The one I hate having to deal with is Verizon local, but I don't have another landline choice up here in the styx. I was annoyed to hear that Working Assets was using Sprint for it's cell, because although I'd use them if I could, Sprint doesn't have cell coverage at my cow pasture, which is where I need it most. I do use Working Assets for my landline long distance. Good luck

Date: 2006-09-14 05:11 pm (UTC)
From: [identity profile] okelle.livejournal.com
MBNA is one of the sleaziest credit card companies in a very sleazy industry. Oh, yeah. They also donate large amounts of money to the Republican party. In case that's your bag. MBNA does all the "affinity-based" credit cards, meaning any kind of Visa or Mastercard with another organization's name on it. BU Alumni Visa? MBNA? National Dog Walkers' Association Visa? MBNA? Bleeding Heart Liberals Unite Visa? MBNA. Bastages.

My Recollection Is Hazy...

Date: 2006-09-14 07:33 pm (UTC)
From: [identity profile] daurdabla.livejournal.com
...but they may be the ones who once sent me a credit card solicitation that said "By signing this application, I agree to the terms of the card, which will be sent with my card." So, basically, I was buying what could have been a very nasty pig in a poke.



Obviously, I trashed the application.

Date: 2006-09-15 06:11 am (UTC)
From: [identity profile] hlmt.livejournal.com
I'm really sorry about the incompetence. On the other hand, you made me laugh *really hard*. =)

Re: My Recollection Is Hazy...

Date: 2006-09-15 12:47 pm (UTC)
From: [identity profile] okelle.livejournal.com
LOL.... I wouldn't put it past them!

Sort of Random

Date: 2006-10-05 09:17 pm (UTC)
From: [identity profile] monuman5.livejournal.com
This is going to be somewhat random. But in this post you said you were listening to Nick Rodes - Come Alive (tiga remix) I've been looking high and low for that song. Do you have it on cd or have it downloaded? Hope to hear from you. You can contact me at Monuman5@yahoo.com or respond to this post i guess. I am only using this livejournal account for the purpose of asking you this question. So i'm not really familiar with how it works. Thanks for your help!

Re: Sort of Random

Date: 2006-10-06 02:17 am (UTC)
From: [identity profile] monuman5.livejournal.com
Awww. That's too bad.

Yeah, i heard the song on Pandora too. That's how i found out about it. When you click the links for Itunes and Amazon, it comes up with no results.

What makes everything even more frusterating is i cant even find the song on limewire or any of the other popular downloading programs...

What i wanna know is. How the hell did Pandora get a hold of it...

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