topic Re: Saks App... hehe :P BUT in Credit Cards

Saks App... hehe :P BUT

Creditaddict — Wed, 12 Mar 2014 23:32:28 GMT

I froze EQ and it was instantly denied... I called in and a girl with a very ghetto tone told me they could not access any credit reports so I would need to unfreeze and resubmit app.

I said oh my EQ is but I thought you pulled TU.

She said "we were unable to pull ANY, so if you froze EQ maybe they sent over the info to the other agencies and they were froze too.

I said no, they don't comunicate with eachother.

she was like well we could not access the credit and nothing can be done.

I said EQ is frozen, discover just 5 minutes ago accessed TU so that's not an issue.

after putting me on hold to speak with a manager she said "WE PULL EQ, UNFREEZE IT AND APPLY AGAIN"... "CLICK"

DEEP BREATH!

Re: Saks App... hehe :P BUT

manwoot — Wed, 12 Mar 2014 23:40:56 GMT

I don't see the problem?

You tried to game the system and got caught Unfreeze EQ and try again?

Re: Saks App... hehe :P BUT

Creditaddict — Wed, 12 Mar 2014 23:42:05 GMT

@manwoot wrote:
I don't see the problem?

You tried to game the system and got caught Unfreeze EQ and try again?

I didn't really think I was gaming the system since Ron and Youl.. all reported TU pulls only for store and MC app.

Re: Saks App... hehe :P BUT

Creditaddict — Wed, 12 Mar 2014 23:44:33 GMT

@Creditaddict wrote:
@manwoot wrote:
I don't see the problem?

You tried to game the system and got caught Unfreeze EQ and try again?
I didn't really think I was gaming the system since Ron and Youl.. all reported TU pulls only for store and MC app.

but in the end it was her ghetto and overly nasty attitude she took with me from the hello.

she kept sniffling also and never said "excuse me once"

Re: Saks App... hehe :P BUT

Creditaddict — Wed, 12 Mar 2014 23:54:59 GMT

4 transfers later from the executive office and pretty sure ended up back in the same department and center as first nasty rep but this time this girl had a bit better tone and stuck with me through my questions despite you could tell she really wanted to hang up on me

she says it's now "Still processing" not "Declined" as previous rep stated.

I think she might be lying to me to get me off the phone but I'll let it be and thanked her and told her I would wait for the letter.

so with that note, I think Saks was actually the last of my apps... to the garden

Re: Saks App... hehe :P BUT

B335is — Thu, 13 Mar 2014 00:00:22 GMT

Did you check online app status?

Neiman Marcus customer service was worse. Nothing like your deal, just seemed like I was bothering them, even when I was returning their verification call.

Re: Saks App... hehe :P BUT

Creditaddict — Thu, 13 Mar 2014 00:03:54 GMT

@B335is wrote:
Did you check online app status?

Neiman Marcus customer service was worse. Nothing like your deal, just seemed like I was bothering them, even when I was returning their verification call.

Thank you for applying

Unfortunately, Capital One, N.A. is unable to approve your application at this time. You will receive a letter from Capital One, N.A. advising you of the reason(s) within 30 days.

I'll wait for letter I guess... even though that's just going to say "We couldn't access credit"

I swear it's always this way for me... 100 people could apply today and they would pull TU, and I apply and they want to pull EQ and it's like I'm speaking alien when I even suggest or question why it's different.

Re: Saks App... hehe :P BUT

Anonymous — Thu, 13 Mar 2014 00:10:24 GMT

As someone who works in the service industry it always amazes me how customer reps can be so rude to the people that provide them their job and paycheck. I try to deal with every customer that walks in my business with the treatment that I would want. Even if the customer is being a real pain in the rear, I still try my best to help them out.

Re: Saks App... hehe :P BUT

Ron1 — Thu, 13 Mar 2014 00:31:40 GMT

Sorry to hear about your denial. They pulled EQ for both Saks card and MC upgrade both times. TU pulls was from someone else.

Ron.

Re: Saks App... hehe :P BUT

B335is — Thu, 13 Mar 2014 00:33:00 GMT

Yeah, I guess like anything you have your good and bad employees. J Crew has always been really good to deal with over the phone and im not really into their casual styles. But the customer service I get has kept me around for a lot of work clothes.

Creditaddict, they're weird for these apps. They pulled my TU for store, then immediately pulled TU again for upgrade. NM did the same thing then threw in an EQ pull. Maybe Cap1 is just pulling TU this month.

Re: Saks App... hehe :P BUT

Ron1 — Thu, 13 Mar 2014 00:42:38 GMT

@B335is wrote:
Yeah, I guess like anything you have your good and bad employees. J Crew has always been really good to deal with over the phone and im not really into their casual styles. But the customer service I get has kept me around for a lot of work clothes.

Creditaddict, they're weird for these apps. They pulled my TU for store, then immediately pulled TU again for upgrade. NM did the same thing then threw in an EQ pull. Maybe Cap1 is just pulling TU this month.

It depends where the person live. They pull either EQ or TU.

Ron.

Re: Saks App... hehe :P BUT

longtime_lurker — Thu, 13 Mar 2014 01:15:13 GMT

@Anonymous wrote:
As someone who works in the service industry it always amazes me how customer reps can be so rude to the people that provide them their job and paycheck. I try to deal with every customer that walks in my business with the treatment that I would want. Even if the customer is being a real pain in the rear, I still try my best to help them out.

You can try to help them out, but usually even if it was their fault, they blame you. It's not hard to see why people would get frustrated at someone. Now if you're like that with everyone, rude or nice to you, you're probably not in the right field.

Not saying it's right or wrong, but I do understand both sides.

Re: Saks App... hehe :P BUT

grinlikechelsea — Thu, 13 Mar 2014 01:24:00 GMT

@longtime_lurker wrote:
@Anonymous wrote:
As someone who works in the service industry it always amazes me how customer reps can be so rude to the people that provide them their job and paycheck. I try to deal with every customer that walks in my business with the treatment that I would want. Even if the customer is being a real pain in the rear, I still try my best to help them out.
You can try to help them out, but usually even if it was their fault, they blame you. It's not hard to see why people would get frustrated at someone. Now if you're like that with everyone, rude or nice to you, you're probably not in the right field.

Not saying it's right or wrong, but I do understand both sides.

I know you and I both work in the service industry while we go to school, but I still think there is a level of professionalism that is maintained in customer relations. The goal is to be able to disassociate yourself from personal attacks in order to ensure the best job possible. I've had death threats at work, but if I were to retaliate verbally, not only would I not have a job, the customer could use that as ammunition against me personally and my employer.

There really isn't an excuse for a rude CSR, both from a personal and professional standpoint.

Re: Saks App... hehe :P BUT

Anonymous — Thu, 13 Mar 2014 01:27:46 GMT

@Ron1 wrote:
@B335is wrote:
Yeah, I guess like anything you have your good and bad employees. J Crew has always been really good to deal with over the phone and im not really into their casual styles. But the customer service I get has kept me around for a lot of work clothes.

Creditaddict, they're weird for these apps. They pulled my TU for store, then immediately pulled TU again for upgrade. NM did the same thing then threw in an EQ pull. Maybe Cap1 is just pulling TU this month.
It depends where the person live. They pull either EQ or TU.

Ron.

Here in NY they pull equifax

Re: Saks App... hehe :P BUT

longtime_lurker — Thu, 13 Mar 2014 01:30:41 GMT

@grinlikechelsea wrote:
@longtime_lurker wrote:
@Anonymous wrote:
As someone who works in the service industry it always amazes me how customer reps can be so rude to the people that provide them their job and paycheck. I try to deal with every customer that walks in my business with the treatment that I would want. Even if the customer is being a real pain in the rear, I still try my best to help them out.
You can try to help them out, but usually even if it was their fault, they blame you. It's not hard to see why people would get frustrated at someone. Now if you're like that with everyone, rude or nice to you, you're probably not in the right field.

Not saying it's right or wrong, but I do understand both sides.
I know you and I both work in the service industry while we go to school, but I still think there is a level of professionalism that is maintained in customer relations. The goal is to be able to disassociate yourself from personal attacks in order to ensure the best job possible. I've had death threats at work, but if I were to retaliate verbally, not only would I not have a job, the customer could use that as ammunition against me personally and my employer.

There really isn't an excuse for a rude CSR, both from a personal and professional standpoint.

No I totally understand that - and you work with some characters too, I'm sure. Perhaps I'm lucky to have the authority to kick anyone out who goes too far - but people really should consider using the golden rule. If someone treats another person kindly, that person is much more likely to be levelheaded back. Are you going to be your A+ self if someone just told you that you look like their great grandma if she was hit by a semi? LOL.

Anyways, yes what this CSR did was wrong, and it doesn't sound like CreditAddict incited her to get such treatment.

Sidenote: this is 100% why I cannot wait to be in private practice, FAR FAR away from the service industry (kinda), and away from the corporate life

Re: Saks App... hehe :P BUT

grinlikechelsea — Thu, 13 Mar 2014 01:37:56 GMT

@longtime_lurker wrote:
@grinlikechelsea wrote:
@longtime_lurker wrote:
@Anonymous wrote:
As someone who works in the service industry it always amazes me how customer reps can be so rude to the people that provide them their job and paycheck. I try to deal with every customer that walks in my business with the treatment that I would want. Even if the customer is being a real pain in the rear, I still try my best to help them out.
You can try to help them out, but usually even if it was their fault, they blame you. It's not hard to see why people would get frustrated at someone. Now if you're like that with everyone, rude or nice to you, you're probably not in the right field.

Not saying it's right or wrong, but I do understand both sides.
I know you and I both work in the service industry while we go to school, but I still think there is a level of professionalism that is maintained in customer relations. The goal is to be able to disassociate yourself from personal attacks in order to ensure the best job possible. I've had death threats at work, but if I were to retaliate verbally, not only would I not have a job, the customer could use that as ammunition against me personally and my employer.

There really isn't an excuse for a rude CSR, both from a personal and professional standpoint.
No I totally understand that - and you work with some characters too, I'm sure. Perhaps I'm lucky to have the authority to kick anyone out who goes too far - but people really should consider using the golden rule. If someone treats another person kindly, that person is much more likely to be levelheaded back. Are you going to be your A+ self if someone just told you that you look like their great grandma if she was hit by a semi? LOL.

Anyways, yes what this CSR did was wrong, and it doesn't sound like CreditAddict incited her to get such treatment.

Sidenote: this is 100% why I cannot wait to be in private practice, FAR FAR away from the service industry (kinda), and away from the corporate life

I'm filling their medications for Christ's sake; like I wouldn't be a jerk to someone who is handling pills that you will ingest. I've had some pretty nasty customers and the best revenge is being polite and friendly even when they obviously hate you. It makes them furious and gives me such satisfaction.

But yeah, I'm sorry CreditAddict. It sucks you got caught with a grumpy CSR.

Re: Saks App... hehe :P BUT

Anonymous — Thu, 13 Mar 2014 02:07:40 GMT

@longtime_lurker wrote:
@grinlikechelsea wrote:
@longtime_lurker wrote:
@Anonymous wrote:
As someone who works in the service industry it always amazes me how customer reps can be so rude to the people that provide them their job and paycheck. I try to deal with every customer that walks in my business with the treatment that I would want. Even if the customer is being a real pain in the rear, I still try my best to help them out.
You can try to help them out, but usually even if it was their fault, they blame you. It's not hard to see why people would get frustrated at someone. Now if you're like that with everyone, rude or nice to you, you're probably not in the right field.

Not saying it's right or wrong, but I do understand both sides.
I know you and I both work in the service industry while we go to school, but I still think there is a level of professionalism that is maintained in customer relations. The goal is to be able to disassociate yourself from personal attacks in order to ensure the best job possible. I've had death threats at work, but if I were to retaliate verbally, not only would I not have a job, the customer could use that as ammunition against me personally and my employer.

There really isn't an excuse for a rude CSR, both from a personal and professional standpoint.
No I totally understand that - and you work with some characters too, I'm sure. Perhaps I'm lucky to have the authority to kick anyone out who goes too far - but people really should consider using the golden rule. If someone treats another person kindly, that person is much more likely to be levelheaded back. Are you going to be your A+ self if someone just told you that you look like their great grandma if she was hit by a semi? LOL.

Anyways, yes what this CSR did was wrong, and it doesn't sound like CreditAddict incited her to get such treatment.

Sidenote: this is 100% why I cannot wait to be in private practice, FAR FAR away from the service industry (kinda), and away from the corporate life

Unfortunately with the industry you have to be as friendly with a customer as possible even if they are being a complete jerk . This is just the professionalism I expect of myself and how I would expect others in this situation. You will run into the people who try to abuse the system, make false complaints and allegations, but you have to learn how to deal with them in an appropriate and profesional manner. If you stoop down to their level you are going to cause problems not only for you, but for your employer as well.

Main thing you have to learn in the service industry is how to defuse a situation before it escalates. Don't get me wrong, there are plenty of times where I want to completly cuss out a customer but following through with it would result in a terminatino of my job. Simply put, you must do what must be done.

Re: Saks App... hehe :P BUT

Creditaddict — Thu, 13 Mar 2014 02:25:12 GMT

and believe me I sure can push the buttons sometimes because I will not accept being told wrong info rather they know they are giving it or have been told it... I feel it needs to be corrected... but I didn't even get to start in that direction she was so far ahead! LOL

oh well, if it's EQ and that's it... then it's fine... it's a sign I "REALLY" didn't need it!

I will not be unlocking or reapplying

Re: Saks App... hehe :P BUT

longtime_lurker — Thu, 13 Mar 2014 02:47:54 GMT

@Anonymous wrote:
@longtime_lurker wrote:
@grinlikechelsea wrote:
@longtime_lurker wrote:
@Anonymous wrote:
As someone who works in the service industry it always amazes me how customer reps can be so rude to the people that provide them their job and paycheck. I try to deal with every customer that walks in my business with the treatment that I would want. Even if the customer is being a real pain in the rear, I still try my best to help them out.
You can try to help them out, but usually even if it was their fault, they blame you. It's not hard to see why people would get frustrated at someone. Now if you're like that with everyone, rude or nice to you, you're probably not in the right field.

Not saying it's right or wrong, but I do understand both sides.
I know you and I both work in the service industry while we go to school, but I still think there is a level of professionalism that is maintained in customer relations. The goal is to be able to disassociate yourself from personal attacks in order to ensure the best job possible. I've had death threats at work, but if I were to retaliate verbally, not only would I not have a job, the customer could use that as ammunition against me personally and my employer.

There really isn't an excuse for a rude CSR, both from a personal and professional standpoint.
No I totally understand that - and you work with some characters too, I'm sure. Perhaps I'm lucky to have the authority to kick anyone out who goes too far - but people really should consider using the golden rule. If someone treats another person kindly, that person is much more likely to be levelheaded back. Are you going to be your A+ self if someone just told you that you look like their great grandma if she was hit by a semi? LOL.

Anyways, yes what this CSR did was wrong, and it doesn't sound like CreditAddict incited her to get such treatment.

Sidenote: this is 100% why I cannot wait to be in private practice, FAR FAR away from the service industry (kinda), and away from the corporate life
Unfortunately with the industry you have to be as friendly with a customer as possible even if they are being a complete jerk . This is just the professionalism I expect of myself and how I would expect others in this situation. You will run into the people who try to abuse the system, make false complaints and allegations, but you have to learn how to deal with them in an appropriate and profesional manner. If you stoop down to their level you are going to cause problems not only for you, but for your employer as well.

Main thing you have to learn in the service industry is how to defuse a situation before it escalates. Don't get me wrong, there are plenty of times where I want to completly cuss out a customer but following through with it would result in a terminatino of my job. Simply put, you must do what must be done.

Hehe I'd say considering I am managment now at my hotel, I've learned these lessons. That being said, "you must do what must be done" is like the motto for every service industry employee

Re: Saks App... hehe :P BUT

trying583 — Thu, 13 Mar 2014 03:01:55 GMT

What is a ghetto tone and attitude?