Specifically Bank of America, Chase, US Bank and Wells Fargo.
Bank of America.
Years ago I was visiting family/friends in the UK and used my BoA credit card as I went on my merry way. When I got back home to the US a week later there was a message on my answerphone. It was from BoA’s Fraud Department. Apparently they’d seen multiple transactions originating in the UK and were concerned about possible fraud. The message asked me to call them back immediately to confirm if these charges were legitimate. They were, so where the fuck did they think I was when they called me? Fucking morons.
Chase.
For years, Chase’s 2FA method sent a text message to my mobile ‘phone containing a 6 digit security code. Worked fine every time. Suddenly that option was replaced by a call only option for two ‘phone numbers which were no longer valid. I had to call Customer Services to have them fix it. That took ages and resulted in my mobile number being listed, but for calls only – no text message option. Their call option is shit. Sometimes it calls, sometimes it doesn’t. Sometimes it calls with up to 10 seconds of silence then drops the call. Requesting another call results in a new call being in progress when the dropped call tries again and then waits on-hold leaving you to wonder which call has the valid security code. The system is completely unfit for purpose and was designed by a cunt.
So back on the ‘phone to Customer Services to have my mobile ‘phone option switched to text message. Took ages naturally, but they reinstated it. For about a week when it reverted back to calls only again with no text message option. This time I wrote them a blunt message via their website, ripping them a new one and telling them to just fix it and absolutely do not tell me to call Customer Services for a third time to fix their screw up. How did they reply? Yep, you guessed it….empty apologies and told me to call the number on the back of the card. I closed both my Chase credit card accounts as a result.
US Bank.
I replaced one Chase card with a US Bank card, but that bastard thing had foreign transaction fees. I found out the hard way when buying something from Amazon UK. Even though I paid in USD, US Bank charged me a foreign transaction fee. Cunts. When I bought something via the Discogs website (seller was in Germany), I had the option of paying with my US Bank card or using PayPal. I chose PayPal. Fucking US Bank also charged me a foreign transaction fee even though I paid a domestic entity (PayPal) using the domestic currency (USD). PayPal handled the conversion of USD to Euros and sent the funds to the seller in Germany. That had nothing to do with US Bank. Absolute cunts. I will be closing that account shortly.
Wells Fargo.
The other Chase card was replaced by a Wells Fargo card. I have never previously held any Wells Fargo cards so was a brand new customer to them. All went well, so I applied for a second (different) Wells Fargo credit card which does not have foreign transaction fees to replace the bastard US Bank card. Application declined!!! I got the letter in the mail yesterday stating the reason:
“Not enough history with your most recently opened Wells Fargo credit card (we look for a history that shows how you’ve managed credit over time)”
OK, then how come they instantly approved the first application – with no history of how I manage credit over time, but denied the second application only a few weeks later using the SAME information on the application form? Fucking idiots. I’m going after them for this!
Have banks and credit card companies been a cunt to you?
Nominated by : Imitation Yank