Wednesday, July 01, 2009

I took out a loan on my empty heart babe, I took out a loan on my impatient soul

Man, I hate creditors.

Allow me to explain.

Yesterday I got a call from a collections agency notifying me that I was twelve days past due in making a loan payment. I was positive that I'd sent the payment to them well in advance of its due date, but checked my bank records just to make sure. I had. They'd even cashed the check, so I called them back to find out why I hadn't received proper credit.

Operator: What can I help you with today?

Me: I'm calling to see why I haven't yet received credit for the last payment I sent in.

Operator: I'm showing that we recently received a payment of [half the amount], and the outstanding balance is [half the amount].

Me: That's not correct. I mailed a check for [full amount], and my bank records show that you guys cashed it.

Operator: Oh. I see what happened. So you want us to credit the full amount to the loan? I'll go ahead and do that for you now. And don't worry, I'll make sure this doesn't affect your credit score in any way.

Me: Thank you.

What I wanted to say: Are you fucking kidding me you stupid motherfuckers? Why would I send in a payment and only want you to apply half of it to the balance of the loan? Did you think I wanted you and a co-worker to go ahead and treat yourselves to a nice lunch with the rest? How stupid can you be?

Seriously, don't ever do business with Key Bank.

8 comments:

steph said...

don't you just love it? i feel like this dumb shit happens all the time. grrr....

Lightning Strikes said...

Ugh!! That would piss me off too!! That's messed up! Stupid people shouldn't be allowed to work in important places!

TROLL Y2K said...

You type the F word a lot lately.

Lindsay-Weaver said...

Annoying. I'm sorry!

Nene said...

I think you should call back in a day or so and make sure they DID credit your account with the entire payment.

Amber said...

good grief!! I agree with you creditors should be banned to the inner circles of hell!

Anonymous said...

Same with dealing with insurance companies and time-share people...lame...

KayDee said...

How do people like that manage to breathe by themselves? Sheesh!