I have a card with one bank (that I am trying my hardest to pay off ASAP) that is 24% APR. It is killing me. A week or two ago, you had an article about a woman who paid off all her credit card debt over the course of 20 months or so. Good for her and it was a good story. One thing about it had me wondering though. She said that she negotiated with her lenders to get lower interest rates on her cards. How do you suggest I do that?
complaints
24% APR Crushes Reader To Death
By 10.21.08
AMEX Says You Closed Your Account While In Coma
By 10.21.08
According to the credit report, AMEX says Dan’s father-in-law closed a credit card he had with them while he was in a coma. Now Amex is using that to come after the mother-in-law for $15,000. Read the rest of the story, inside…
The Worst Tip We Have Ever Received
By 10.11.08
Yes, our pro-consumer bias has its limits. For instance, when a customer service representative tries to help you, don’t respond by telling them to “go back to school,” or by mentioning that your fourth-grade class can “spell better.” Of the tens of thousands of tips you have sent us, this is one of the worst. Do not be this guy.
$1 Netflix Price Hike For Blu-Ray Access
By 10.10.08
Netflix will be start charging you $1 more per month to offset the costs of Blu-Ray movies, starting November 5. You have to opt-in to the Blu-Ray access, and the $1 surcharge, by going to “your account” and “add Blu-Ray access.” If you don’t already have Blu-Ray access on your account, then your membership price stays the same. Sounds like they needed to invent a way to make more money and this fee, admittedly small, seemed the best way to go about it. Copy of the email they sent subscribers, inside.
Delta Creative Settles With Artist Over Defective Paint Products
By 10.8.08
Remember Vickie and her defective Delta Creative PermEnamel experience? It ruined several of her pieces, not because she applied it incorrectly but because something was wrong with the product. It happens sometimes with products, no big deal. What was a big deal was the company’s CEO, Bill George, refused to approve a compensation payment that his employees had already agreed to with Vickie, leaving her with no choice but to contact a lawyer and write to us. It looks like Delta Creative and the artist have now resolved the issue, and she’s sent us a statement saying everything has been resolved to her “complete satisfaction.”
Delta Creative Prez Denies Refund: "We're Not In The Business Of Reimbursement"
By 10.2.08
I have used the Delta PermEnamel Products for several years with marvelous results. This was an isolated incident which I would not expect to recur. This isolated incident has been resolved to my complete satisfaction. Thank you, Delta Creative, Inc.
E*Trade Sells Your Stock To Pay Inactivity Fee
By 10.1.08
If you’ve bought stocks through E*Trade, make sure you log into your account at least once a quarter. That way you can see if there’s any alerts on the account, like the one telling you about the “inactivity fee” for not executing at least one trade per quarter, the fee that they’ll sell some of your stocks to pay for. This happened to reader Brody, who writes:
Comcast Loves You So Much They Keep Billing You… 4 Months After You Canceled
By 9.30.08 — Updated: 3.25.13
Oh Comcast, you romantic. You were so sorry to see Michal leave that you pretended he didn’t. We get it: he bikes, he blogs, he helps toddlers learn Polish. But after four months of him repeatedly asking you to stop billing him, when you still won’t stop it begins to look a little stalker-ish. Your computers can’t always be down.
WaMu Customers, Office of the Comptroller of the Currency Is Your New Regulator
By 9.26.08
As an aside, WaMu’s charter was under the Office of Thrift Supervision (OTS). Chase’s bank regulator is the Office of the Comptroller of the Currency (OCC). Whether being a Chase customer was your choice or not, if you ever have a major complaint about Chase regarding what you feel is on the bank’s part malfeasance, you’ll want to send it to the OCC.
Equifax Double-Reports Student Loan, Still Hasn't Corrected It 12 Attempts Later
By 9.26.08
So what exactly is the problem? After 12 online (and phone) disputes to Equifax and 14 calls (and faxes) to the Direct Loan Servicing Center, each party seems to blame the other.
Verizon Breaks Your Router With An Unrequested Firmware Update, But Won't Replace It Because It's Out Of Warranty
By 9.25.08
They acknowledge the router got an upgraded firmware image automatically (forget the fact I had explicitly disabled that feature for this very reason), but I’m shit out of luck. Even though the fact my formerly perfectly working 6100 is now bricked because of something Verizon did without my approval or knowledge, they will not provide me with a new one for free because the router is out of warranty.
Restaurant Chain's Prez Mails Handwritten Apology For Botched Wedding Dinner
By 9.25.08
Consumerist reader MunkyBoi had a terrible experience at Tahoe Joe’s, where he and his fiancee held their wedding dinner. He tried to follow up with the manager of the restaurant, both to explain what went wrong and to commend the one waitress who saved the day, but the manager kept brushing him off. Finally he wrote a letter to corporate, and was surprised to receive a very personal response—along with a $250 gift certificate—a few days later. We’d love to know if that $250 came out of the manager’s profits.
Do The Math, Southwest: 25-Minute Layover, 20-Minute Security Screening
By 9.25.08
…I flew from Sacramento to the connection hub in San Diego, where I had a 25 minute layover. While I would not have chosen a 25-minute layover,
Southwest doesn’t give you your flight times until you’ve booked….the two gates were in separate parts of the building, separated by security…
Quality Van Lines Responds To Complaint
By 9.24.08
Earlier this week we posted about Cory, a man who had a bad experience with the moving company he hired to schlep his belongings from New York to North Carolina. Now Quality Van Lines has responded with their side of the story.
Dell: We Can Only Send You The Wrong Kind Of Battery
By 9.23.08
Dell charged this guy’s daughter over $200 for replacement batteries that don’t even match her laptop. When her battery died, Dell sent her the wrong battery. Since she was out of warranty, Dell insisted that they could only continue to send her the wrong battery. When she asked why, Bill says the a supervisor repeatedly said, “I don’t know ma’am, that’s not my problem.”
Another Bag Of Purina Beneful Fortified With Maggots
By 9.23.08
Do you read Consumerist on your lunch break? Oops. Here’s a photo of something Richard colorfully calls “maggot stew” lining the bottom of his dog’s food dish, right after Banjo finished a heaping helping of Purina Beneful. Richard says Banjo seems okay so far, but we think it’s interesting that this is the second Beneful maggot story we’ve received in under a week. Read Richard’s full story below.
Ford's $5698.37 Pinging Noise
By 9.22.08
Below I detail a problem I encountered with my 2005 F-150 pickup and what I thought were covered damages and repairs under the initial warranty or the ExtraCARE extended coverage.
Comcast: "The Patriot Act" Mandates We Need Your SSN
By 9.22.08
Ryan wanted to order new Comcast service but balked at their request for a Social Security number. When he asked why they needed it, the Comcast chat rep said “The Patriot Act” required it. That doesn’t sound right to us, or to Ryan. His story and full screenshot of the chat, inside…
