HC Processing Center

9/11/12
Patty, from hc processing center, called me at 7:28pm. She asked me why I could not make the payment (it was due on 9/8/12 - 3 days late). I advised I had been in a car accident and now on long term disability. At some point during the conversation she laughed at me. When I asked for a supervisor she said no, but one could call me back. Then she hung up.

I called back at 7:31pm and spoke with lela. I asked with for a supervisor and she transfered me to diana. I explained everything to diana and advised i've been in call center management for 25 years, including collections. I said customers should not be treated this way. She said since i've been in collections before, I should know that it's different than customer service. I advised its not. Customer service is customer service. She said she would listen to the call and call me back. She called back at 7:48pm to tell me that she cannot listen to the call until the agent signs off the phone in about an hour. She called back at 8:42 and said she listened to the call. She apologized and said patty was wrong. I told her I have closed my account and made a bbb complaint. She told me she was noting my account. She did not try to save me as a customer. 

7:52pm I called to cancel account. I spoke with shannon. Shannon gladly cancelled account. She did not ask me why I was cancelling nor did she attempt to keep me as a customer.

This has got to be one of the worst customer service experiences I have had.
I can't believe patty told me that if I was on disability I should not have applied for the card. Are disabled people not allowed to apply for a credit card? I was buying a bed to help me sleep due to two back surgeries. I needed the support for my neck and back. Isn't this discrimination against disabled people?

I purchased a bed from Contour Beds in St Paul MN when I got the finance stuff in the mail and saw the amount of interest I immediately cancelled the bed. I told them I would never pay that amount of interest for anything. We then began a haggle process and ended up with a plan of no interest for the first year and what I was told was a much lower interest after that, well after paying faithfully for a year every month I got the shock of my life on my year anniversary. A years worth of interest totalling 881.22 and fees charged making a grand total of 958.49. These customer service people won't talk to me, or even be respectful. This was totally a dishonest sale and after going thru the BBB and being told these people will not budge with this, I am left with looking at legal remedies which I can't afford. Had I known this was going to happen I could have paid it off and gotten rid of it, now I have a mess to deal with, on top of personal problems. These folks should be shut down and made to reimburse all the people they have hurt.