I Just Don't Understand Their Way Of Doing Business
I just got off the phone with NCB regarding my Parent's credit card. The representative went through all the basics of who am I, what relation am I to the card holders...yak, yak, yak. Being in the business myself, I understand 3rd party disclosure and all, so I have no problem answering their questions. She wanted to know if my Mom was there to give them permission to speak with me. I told her, my Mom passed away and I have been handling all of her and my Dad's finances since December, making all the payments etc. She asked me to put my Dad on the phone, well he was laying down and I didn't want to wake him to come to the phone. So, she said she was limited to what information she can give to me, but can answer general questions. OK...again, I understand that, no problem. I told her the reason I'm calling is for a copy of the credit card agreement/terms in which my Mom agreed to when the account was opened. (She had this account for over 20 years and was never late on any of her payments). I explained that I needed to know if there are any penalties if the account is paid down, leaving NO balance (Some banks charge if you don't carry a certain balance) or, if the account would be closed if it is inactive for a certain amount of time. Her answer was, "I don't think so", "Not usually" and "Not always" well, those answers were not good enough...I want to know for sure. So, she said she can send me a copy of the agreement. I said, that would be good...that's what I wanted. Then, she said again, that I had to have my Dad come to the phone to request it because they can't send it to me. I told her, it can be sent directly TO my DAD at the address they have on the account (we live at the same place)...and she said she can't do that. I asked, why not, It's not as if I'm asking her to send to to another name at another address...but she refused and said she can't send it without HIM requesting it! I told her she didn't have any problem accepting the payments from ME since December, including the $1000.00 payment I just sent out last month and hung up on her.
Now, again...I can understand if I asked her to send it to someone OTHER than my Dad at an address OTHER than my Dad's address...but come on NCB...Like it or not it's ME you have to deal with if you want this paid...I asked you to send the agreement that my DAD signed for TO my Dad at my DAD'S address! This is the only credit card they have, and I've been paying the balance down for them...I hate credit cards...I HATE THEM!