@Anonymous wrote:
W the actual F?
I have to ask, and I see this a lot on this forum, but why "evade" human interaction? I was on another thread and someone wanted all the ways you could do it without calling someone in person.
I had someone recently code my cars (add some features) and he refused to speak to me, text message back and forth for an hour while he remotely worked on two of my cars.
Is there a benefit I'm not aware of? (Sorry to hijack)
There's no exact benefit, but there are some reasons as to why someone might not want to talk to others by phone/through speech, and it largely has to do with anxiety--irrational anxiety on the phone, for example, is a symptom of social anxiety disorder.
People with learning disabilities that affect communication, and those with speech impediments such as significant stutters will sometimes communicate better by writing and revising their correspondence until it feels right instead of trying to say something correctly on the phone on the first try. People aren't exactly patient, and I think that goes double for CSRs who listen to people on the phone all day.
Also, a lot of people with limited spoken English, as well as people who learned English late in life, may not be easily understood over the phone, and this brings a lot of frustration, as well as embarrasment in some--for example, my mother is averse to talking on the phone because, despite being a fluent English speaker, she has an incredibly heavy accent, and she becomes embarrassed when people can't understand her. Since her only problem is her accent, writing instead eliminates that obstacle.
Some people might also be asking for something such as an SP CLI, or an APR reduction, or reconning a decision, and they might just be a more convincing writer than speaker.
It's not always that the person is too lazy to talk, or is asocial, or something; it can be a little more complicated. But, yeah, sometimes it's a reason like I said above, sometimes it's because the person just doesn't like talking on the phone for whatever reason. It's good that with some lenders, we can also communicate online or perform a self-service, instead of talking on the phone. In the end of the day, it's convenient and everyone's got an option.
In terms to the AU removal, will Chase attempt to update the CRAs, or would one need to dispute to remove the information?
