My DH should wear a name tag that says Hello my name is : &*(^!

:rules

Okay, long story short... or maybe not because I'm heated. :getyou As many of you know, I work in Collections. I can be called an "evil collector" and it wouldn't phase me... I am so used to previous employers where I can be a royal pain the ass, well not here. Okay, its hard to teach an old dog new tricks but I'm trying... well, unfortunately yesterday, one of my Operations Managers heard a REALLY bad, obnoxious call. I own it. I was a royal ass hat. So bad that they pulled me in the office and put me on what they call "Decision Day". That means I got sent home with pay, and had to write a letter of committment about how I am going to fix this situation, etc, etc., accepting owner ship and consequences. Okay, that's not why I'm pissed... I did it, I accept it.
The reason I'm pissed is because my so called support system is a bunch of flipping assclowns. Mom gave the typical "I told you, you have a bad attitude" speech and basically told me I deserve what I get... "Gee, thanks Mom." Not even my Father is that rude. :getyou And then we get to John...
Because he just oh so freaking stellar at quality in CUSTOMER SERVICE (!!!), APPARENTLY HE is the authority on it... and he gives me this big ass speech on how he told me so, I have to bow down to the OM and UM (unit managers) and I need to be more humble, etc etc etc. No support what so ever. He has not heard me ONCE on the phone and yet I'm this horrible collector. I countered back with well if I'm THAT bad why didn't they just fire me, why? I'll tell you why... because they can't AFFORD to fire me... I am one of the teams top collectors, I make them money every day.
Now Aaron (my UM) and Claudia (the OM) BOTH told me that they have faith I can turn it around...and gave a LOT of POSITIVE feedback today... but John... PFFT. I went to tell him that it was actually a POSITIVE meeting today and that they feel like I am still an asset...and he launches into another speech about how I need to eat crow and be more humble still and that he doesn't think that Aaron made the right decision to let me qualify for the Dec. contest...because I don't "deserve it". EXCUSE ME? I already had to put my job on the line, I lost out on about $600 in bonus money and NOW you think I don't deserve to be rewarded for the money I make the company...this contest has NOTHING to do with quality.
I ACCEPTED ownership and he still thinks I'm too cocky. WTF. This whole "headset" gig, where he's higher than a manager has gone to his head in a big way and I feel like he acts like I am one of his Reps.
I've expressed to him how I feel and he lectures me on that...that I shouldn't feel that way, that he is on my side... Bull Freaking Crapola.
I'm so over this...

One of the reasons i could never work in the same building/dept type(i see cust srv and collections as same thing pretty much both deal with customers in some way shape or form) as my S/O. When i was at comcast i was at the escalations desk and Jon was in engineering so our job functions were so different neither of us would dare to tell each other how to do their job.

Honestly i don't know what to tell you on this one, it's a sticky situation.

Well one thing I can say about John is he is a very humble man. And he realized how much he upset me tonight, so he apologized and has become much more supportive about it. I explained to him that I've talked to Aaron 3 times 1 on 1 about this situation... and Aaron gave me a better perspective on everything.

I think John means well but you're right it's so hard to do this when we work such different jobs.

It is what it is... and hopefully I learn how to keep my damn mouth shut. :D

Sorry but John is right.

With the job market the way it is today nobody is an asset anymore. You should count yourself lucky that you even have a job. There are at least a dozen other people that have probably applied for your job and are qualified to do it. If acting a bit more humble helps keep your job then I would shut up and take the pwnage. Because you my dear are easily replaceable. Especially in the collections business..

I don't know what you did and whether you deserved the disciplinary action from work. However, what angers me most about the situation is John telling you that you are wrong to feel the way you do is just plain bullpucky!!!

Feelings aren't right or wrong...they just are! How dare he tell you that your feelings are wrong! It isn't up to him or anyone else how you should feel! How you should respond or react to your feelings are a different matter...but how you feel is personal to you alone!

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one of my Operations Managers heard a REALLY bad, obnoxious call. I own it. I was a royal ass hat. So bad that they pulled me in the office and put me on what they call "Decision Day".

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I don't get collection calls.... but if I did, and I got one from you acting and being mouthy liked the way you said you did, I would be pissed and turn you in.
Also, obviously you did something wrong, or else you wouldn't have gotten in trouble for it.
Also, perhaps you DH realizes how easily you fly off the handle??

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It is what it is... and hopefully I learn how to keep my damn mouth shut

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Okay did you all miss the part where I said I agree what I did was wrong??? I'm pretty sure I wrote that. And NO ONE turned me in... it was a quality monitoring, the guy was argumentative and verbally combative (maybe his wife is a member here...) and I had enough so I in so many words told him that if he didn't want to my help, I couldn't help him. And apparently the fact that he has been out of work for a year is my fault personally, and the fact that he hasn't gotten a statement yet is someone how our fault. Oh and according to the caller it's somehow my fault that Obama has let us down as consumers and that we as a bank got a huge bailout so we should be more forgiving. Yeah well, we have to pay that money back as well and if more people like him PAID his bill then we could pay ours.

And for the record both Aaron and Claudia stated it was NOT typical of me to fly off the handle like that, and that is why they didn't fire me. They said from listening to other quality monitorings that they KNOW that's not me...I just got the wrong button pushed. I am consistently in the top 10 on my team for collecting money... and I am consistently right there with people who have been there for YEARS...I've been there 6 months. So, yes I AM a huge asset to them and truth be told, most people who apply for Citigroup (I work for the bank) do NOT get hired...or if they do, usually only 1/2 the class makes it through all of training. I started in June, out of 14 people only 4 of us are left on the floor. I'm not an OUTBOUND Rep, these are people returning our calls. And maybe Third Party Collectors are a dime a dozen, but I don't work for a Third Party Vendor. :D

Man I don't know what to say here about this since I have been on both ends of this. Some of you collectors are absolutely HORRIBLE.
My idenity was stolen & I had this jerk call me at work telling m that they were going to take my house away from me over a credit card I NEVER opened up.
Then at my job, I hate, hate HATE having to call a customer & tell them their invoice is wayyyy past due. I tend to send warning letters BEFORE I ever call anyone.
OTOH, your dh should have your back 100% of the time whether you are right or totally wrong.

:lol all I have to say is...the Vent & Whine should be renamed to "tear me a new butt hole, why don't you and kick me while I'm down"

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Originally Posted by pepperpot

:lol all i have to say is...the vent & whine should be renamed to "tear me a new butt hole, why don't you and kick me while i'm down"

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amen sister!!! :D

Im glad it worked out.

The only advice I could give someone working in that type of job is kill them with kindness.

All I can say is all your "quotes" and CAPS scare me. Reread your post and see if you still think your bosses, mom and DH are so wrong. Time to chill out!! A lot of people are under stress, especially in this economy. Tis the season for "PEACE AND GOODWILL TO ALL"!!!

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Originally Posted by MERE CHAT

All I can say is all your "quotes" and CAPS scare me. Reread your post and see if you still think your bosses, mom and DH are so wrong. Time to chill out!! A lot of people are under stress, especially in this economy. Tis the season for "PEACE AND GOODWILL TO ALL"!!!

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What I think is people need to stop blaming Obama (and I'm NOT a fan) and the rest of their woes on everyone but themselves. I talked to a guy today who has not had a job in 2 years and yet blames Obama. Every day I get calls from people who throw the race card about how they can't pay. I'm sorry but your nationality, race, origin or creed has NOTHING to do with this. If you sign a legal binding contract, well guess what hi ho hi ho it's off to work you go to pay your debt. Yes, people get laid off and/or fired, there's unemployment for that - unless you're self employed. If you can't afford it, don't buy it. You don't realize until you actually DO this job that people and their excuses are a dime a dozen...it's never actually their fault. I've heard it all... a woman last week told me she can't pay because her dog died. Yes really. I understand vet bills and such, but when I asked if she had anyone else able to help her she stated her husband could... but yet no paymnt in 3 months.
Everyone is so quick to judge and say we're evil, we're this or that, whatever buzz word the media is using now but have not worked a day in my shoes (I believe you know who you are). I dare ANYONE to work a week, no, make that a DAY in HIGH RISK collections and then tell me you're still all Merry Poppins. I WILL go the extra mile to help you, but I refuse to help someone who will not help themselves. People complain that we as CC companies don't care, we're only out for ourselves, etc. etc. etc. so if you hate us, why deal with us???? It's not a requirement for you to get a CC... and yet when you can't pay... it's our fault.
If I had even 3 people in a given day and I work 5 days a week own that they owe the debt I'd be floored. Most people tell us that it's our fault... because their APR is too high... nope sorry... YOU as a consumer drive that APR, what you do with your OTHER obligations is what determines it. You didn't get that dream home because we reported you? Sorry about your luck... pay your bill. And the thing is CITI is one of the most generous banks out there... we LOSE money on our hardship programs... multiple times a day I waive late fees, finance charges and lower APRS from 29.99 to 0% and that's good for 5 YEARS people. YES, I give people 5 YEARS to pay their debt... but yet I'm oh so mean...and these are debts that are normally $1500.00. 5 years to pay that off... do the math. There are no late fees, no finance charges...I practically give you the bank.

And apparently, I need to say for a 4th time...that I AGREE I did wrong... anyone else want to point that out?? :rofl:

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late fees, finance charges and APRS from 29.99

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While I believe the above mentioned are proper business practices....I think they are way too high and banks are greedy in that respect.

As for the banks writing off the bad debts, they just add/dump those 'bad debts' onto the others in these fees and 'deduct' the 'losses' on paper tax time. Trust me, the banks are making money. :agree

But people should pay their bills and live within their means. :agree

Wendy Lou I do agree with most of what you are saying however these credit card companies raised rates for no reason on people who do pay their bills on time. However congress DID mandate credit card changes HOWEVER they allowed the credit card companies months to up their rates.
You are correct that once you know the interest rates are going up then YOU & YOU alone make the decision whether or not to use the credit cards. If you make the debt, pay it.

OK however what about someone like me who had credit cards opened up under my name without my knowledge or approval with statements being sent to a different address than mine? This started 3 years ago & I only found out about it last year right around this time. the police don't want to be involved b/c their opinion is that I should have filed a report sooner. How could I when I didn't know? I have called & written the credit card companies asking for copies of statements only to be refused. I have spent the past year trying to work with these banks to work payoff's without any success at all.
I'm screwed & I did nothing wrong. All of the credit cards I opened up are all in excellent standing.
Trust me I wouldn't want to do your job at all.

ok, Mrs. WendyLou needs a vacation and a strong stiff drink LOL

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Originally Posted by WendyLou75

What I think is people need to stop blaming Obama (and I'm NOT a fan) and the rest of their woes on everyone but themselves. I talked to a guy today who has not had a job in 2 years and yet blames Obama. Every day I get calls from people who throw the race card about how they can't pay. I'm sorry but your nationality, race, origin or creed has NOTHING to do with this. If you sign a legal binding contract, well guess what hi ho hi ho it's off to work you go to pay your debt. Yes, people get laid off and/or fired, there's unemployment for that - unless you're self employed. If you can't afford it, don't buy it. You don't realize until you actually DO this job that people and their excuses are a dime a dozen...it's never actually their fault. I've heard it all... a woman last week told me she can't pay because her dog died. Yes really. I understand vet bills and such, but when I asked if she had anyone else able to help her she stated her husband could... but yet no paymnt in 3 months.
Everyone is so quick to judge and say we're evil, we're this or that, whatever buzz word the media is using now but have not worked a day in my shoes (I believe you know who you are). I dare ANYONE to work a week, no, make that a DAY in HIGH RISK collections and then tell me you're still all Merry Poppins. I WILL go the extra mile to help you, but I refuse to help someone who will not help themselves. People complain that we as CC companies don't care, we're only out for ourselves, etc. etc. etc. so if you hate us, why deal with us???? It's not a requirement for you to get a CC... and yet when you can't pay... it's our fault.
If I had even 3 people in a given day and I work 5 days a week own that they owe the debt I'd be floored. Most people tell us that it's our fault... because their APR is too high... nope sorry... YOU as a consumer drive that APR, what you do with your OTHER obligations is what determines it. You didn't get that dream home because we reported you? Sorry about your luck... pay your bill. And the thing is CITI is one of the most generous banks out there... we LOSE money on our hardship programs... multiple times a day I waive late fees, finance charges and lower APRS from 29.99 to 0% and that's good for 5 YEARS people. YES, I give people 5 YEARS to pay their debt... but yet I'm oh so mean...and these are debts that are normally $1500.00. 5 years to pay that off... do the math. There are no late fees, no finance charges...I practically give you the bank.

And apparently, I need to say for a 4th time...that I AGREE I did wrong... anyone else want to point that out?? :rofl:

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I have to disagree with you here. I have never been late or missed a payment in ten years but this year a gas card and two credit cards went way up on my interest rates. When I got the cards they said they wouldn't do that unless I missed a payment or went over my limit. They lied because they went up on ours anyway. And when I called them they had the nerve to tell me I could always stop using them and pey them off and that it was because of the economy. My interest rate should be based on how I pay not on how someone else doesn't pay. The higher interest rate makes it really hard for me to make the minimum payments now where before I was paying more than the minimum. For the first time since I've had the cards I'm worried about getting behind on them now. I wasn't having a problem till they raised the rates.

yep, the rates went up on my in-laws cards also, they are very good people, never late, had been with the card company for years, and then up went the rates. They had no choice. They told them they could either close the account and continue to pay it off untill paid, or just accept the new higher rates.

Just go ahead and pull down your pants, because your getting screwed.

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Originally Posted by jasmine

ok, Mrs. WendyLou needs a vacation and a strong stiff drink LOL

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And a reality check. Judge not lest ye be judged. I hope she never has to be the one the "collectors" are calling!

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Originally Posted by MERE CHAT

And a reality check. Judge not lest ye be judged. I hope she never has to be the one the "collectors" are calling!

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Oh hunny, I don't mind sharing my business...because I HAVE lived it and anyone who truly knows me on here knows what I am about to say is factual... I HAVE lived this... I still get collections calls...and emails. I'll make it very easy to understand... I am 34 years old, I went to college for a long time until the financial aid ran out, now I owe about $27k to the government for student loans...my ex husband was/is an ass and apparent junkie... so he single handedly ruined both his and my credit... I've had a few cars repo'd. I got divorced in April 2008 after being together since 2002... I found out things about Tim that no one wants discover, I had to change jobs numerous times due to my safety. In February I HAD a good job until I got laid off... I was on both Food Stamps and Unemployment until JUNE. So yes, hun I DO understand why people are upset, because I have lived it...most of my adult life.
I am also a severe type 2 diabetic and I owe the local hospitals enough money to open my own hospital. I've had wages garnished over that one.
I am just EXTREMELY blessed that I am now with a great guy who takes care of me and his/our obligations. Yeah, he can be an ass and I do see it through his eyes, as I do with Aaron's and Claudia's...and for the now FIFTH time I will say I accept it... things are going well now at work. I'm learning how to utilize the mute button when I start getting pissy. :D
I realize I am the one who cost myself bonus... no one else. But January is a new month to start over...and I will succeed...regardless of what people think.

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Originally Posted by gmyers

I have to disagree with you here. I have never been late or missed a payment in ten years but this year a gas card and two credit cards went way up on my interest rates. When I got the cards they said they wouldn't do that unless I missed a payment or went over my limit. They lied because they went up on ours anyway. And when I called them they had the nerve to tell me I could always stop using them and pey them off and that it was because of the economy. My interest rate should be based on how I pay not on how someone else doesn't pay. The higher interest rate makes it really hard for me to make the minimum payments now where before I was paying more than the minimum. For the first time since I've had the cards I'm worried about getting behind on them now. I wasn't having a problem till they raised the rates.

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So, just ask for a hardship program... most CreditCard companies have them. :D I don't know about any other company, but our only qualification is telling us you're flat broke...you don't even have to prove it. We assume your word is bond and we sign you up. We have programs for 3, 6, 9 and 12 months and 5 years.

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Originally Posted by sunniekiss

Wendy Lou I do agree with most of what you are saying however these credit card companies raised rates for no reason on people who do pay their bills on time. However congress DID mandate credit card changes HOWEVER they allowed the credit card companies months to up their rates.
You are correct that once you know the interest rates are going up then YOU & YOU alone make the decision whether or not to use the credit cards. If you make the debt, pay it.

OK however what about someone like me who had credit cards opened up under my name without my knowledge or approval with statements being sent to a different address than mine? This started 3 years ago & I only found out about it last year right around this time. the police don't want to be involved b/c their opinion is that I should have filed a report sooner. How could I when I didn't know? I have called & written the credit card companies asking for copies of statements only to be refused. I have spent the past year trying to work with these banks to work payoff's without any success at all.
I'm screwed & I did nothing wrong. All of the credit cards I opened up are all in excellent standing.
Trust me I wouldn't want to do your job at all.

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Have you talked to the Fraud departments at each Credit Card company??

I don't need a hardship program. I need the credit card company to live up to their end of the contract they gave me. Not to go up as long as I paid on time and didn't go over the limit. They are the ones that broke their word and their contract not me. Why should I have to pay for their disception and greed.

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Originally Posted by gmyers

I don't need a hardship program. I need the credit card company to live up to their end of the contract they gave me. Not to go up as long as I paid on time and didn't go over the limit. They are the ones that broke their word and their contract not me. Why should I have to pay for their disception and greed.

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Agreed, if you incurred the charge while at 12% interest, I think it is unfair for the cc company to raise it to 29% because they want to.

Keep the charges made at 12% at 12% and new charges at 29% :shrug At least then it would be fair if you wanted to finance your purchases at the 29% rate or not.

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Originally Posted by gmyers

I have to disagree with you here. I have never been late or missed a payment in ten years but this year a gas card and two credit cards went way up on my interest rates. When I got the cards they said they wouldn't do that unless I missed a payment or went over my limit. They lied because they went up on ours anyway. And when I called them they had the nerve to tell me I could always stop using them and pey them off and that it was because of the economy. My interest rate should be based on how I pay not on how someone else doesn't pay. The higher interest rate makes it really hard for me to make the minimum payments now where before I was paying more than the minimum. For the first time since I've had the cards I'm worried about getting behind on them now. I wasn't having a problem till they raised the rates.

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OH yes , we are retired and this has happened to us. We are in the worst financial position we have ever been in. I am scared silly.

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Originally Posted by buglebe

OH yes , we are retired and this has happened to us. We are in the worst financial position we have ever been in. I am scared silly.

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I know how you feel. We weren't having a problem till they raised the rates. It really ticks me off that they did that after us paying them with no problems. Even when my husband didn't work for a year and had no money coming in we paid them on time every month and this is how they repay us.

Bank of America did this to my mom and aunt. Neither of them were ever late. They didn't even use the cards that much. Not only did the rates go up but they got their limit lowered as well.

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Originally Posted by WendyLou75

Have you talked to the Fraud departments at each Credit Card company??

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Oh trust me I HAVE! *LOL* I have 2 brief cases full of correspondence with them. They just don't care. Should have called 3 years ago. How could I when I didn't know? I finally did get Chase to release statements & there were charges when I was in a hospital. Yea I'm buying gas & cigars while hooked to an IV.
One card was outright stolen out of my purse & that credit card company I called the fraud unit the day I received my statement & was told too bad since I knew the idenity of that person.
They are all the same, pay us our %$#* money & you take that person to small claims. HELLO...we are talking $35,000 here!
The police were we have bigger crimes to worry about.