It’s Due to COVID…

“Due to the ongoing pandemic crisis we have made changes to our enterprise systems to protect your health and the health of our employees. This may cause longer than usual wait times. For faster service please use our voice prompt system or our website. If the answer you’re looking for is not available please continue to hold…”

Alright, I call BULLSHIT!

First of all I as a customer don’t care. Whatever you’re doing to protect your employees is your business. It’s between you and your employees. This is especially true if I’m calling someone like a credit card service or my insurance company. I DON’T see you people in person EVER!

Second of all, I’ve been noticing that there are a lot more errors. Errors in Billing, Errors in shipments, Errors in services rendered.

And when I call folks on those errors, the response is “Oh well with COVID, blah blah blah” The problem is, computers don’t get COVID. COVID doesn’t suddenly and mysteriously change due dates, causing late charges on credit bills. Someone commanded that change but it wasn’t COVID.

COVID doesn’t add two days to shipping in the one second between the time I click on “Checkout” and the time I press “PAY”. If you’re going to quote me a delivery date on my whole order, then split that order and space it out of 4 days after I’ve pressed PAY and entered my credit card info just quote me the real date not some fiction.

“But it’s due to COVID”

NO, IT ISN’T!

You know what’s in your warehouses and you also know how long the shit I order is going to take to get to me.

Somewhere in the billing systems for credit cards there’s an algorithm that says, “If customer pays bill two weeks ahead of schedule, then adjust Due Date to three weeks earlier.” Deposit collected late fees in account marked “Profit Skim”.

A second algorithm says note in customer account for representative. “If customer calls to complain reverse charges and allow customer to choose new billing date. Blame it on COVID”

The hope in the case of the credit card companies is that most people won’t call ‘em on it and will just pay the late fee, assuming that they (the customer) made a mistake.

The best case scenario for the credit card company is that the customer won’t notice it at all, and is an auto pay customer. If they pay a fixed amount monthly, then the unpaid late charges generate another full amount late fee that continues to add up month over month until the entire monthly payment is consumed in late fees but nothing is applying toward the actual debt. 

Once that happens the late fee cycle resets causing the customer to essentially make no headway towards paying off their debt.

My plan is to pay off all the credit cards and not have more than one. I prefer CASH or debit card transactions. I’ll keep one credit card for those weird life emergencies. But I’m cutting up cards as quickly as I can. 

COVID has become the Catch All phrase that is supposed to be the acceptable excuse for whatever someone has screwed up.

I’m sick of it. 

Own your screwups, don’t blame your mess on a virus that appears to be 99% survivable without intervention.

Yeah 1% of the population is a big freakin number. But to date, less than 1% of the population has died and the financial computer systems are still running.

It’s funny that for all the mistakes I’ve been seeing, I’m still getting the bills. You’d think that at least one of these institutions would have an outage that takes out their billing wouldn’t you?

Grrrr!