2/21/2011 @5:30
Called and asked about an unauthorized deduction from my checking account via an auto-pay arrangement that I had rescinded. Explained that I had specifically told MC to stop ALL automatic payments for this account over a month ago (in January). Rep said they would have a supervisor listen to the call and contact me in 24-48 hours.

2/25/2011 4:50 PM
Supervisor never called back. Called again - Don (ID#TPBVQM) said he would create a case for unauthorized payment. Told him that his company had already lied to me - he said would make SURE he followed-through and that someone should be contacting me within 10 business days. [Never received a call back.]

4/12/2011 9:31 AM
Called and went through the whole process again. Rep said the case from above has been closed and that they could not reopen it. Rep said they would initiate another case. Rep offered a lower rate (9.9%) on a one-year basis on the condition I pay $xxx to start. After one year the rate would go back to 29.9%. Asked to speak to Customer Service and was told that I would only be rerouted back to Collections until my account was brought current. Rep refused to transfer me to Customer Service until account was brought up to date.

Called again: paid $xxx.xx to bring account current as that was the ONLY way to be able to talk to anyone besides Collections. Transferred to Customer Service to see about getting the lower rate for the remainder of the life of the account - was told that was not possible. Asked about the unauthorized February auto-payment and was told there was nothing they could do. Was also told that the case was closed because it "wasn't a bank error". When asked to speak to a Supervisor was told that the Supervisor would tell me exactly the same thing. Although the recording clearly states "cancel my auto-pay" - and they DIDN'T - that is not a "bank error"??