WHO’S YOUR DADDY?
Yes, I know that title conjures up a different subject, but I’m writing about a situation that has kept me frazzled for a few days now. I think you’ll see it fits my situation, too. I decided to throw it out there and see what some of you think, even if you think I am wrong and they are right. Tell it like it is. Here’s the story:
My daughter and I decided to go shopping in a nearby town the other day and we took my car to have the oil changed and to have it washed. My daughter was driving and as we pulled into the car wash, I handed her a credit card to pay. To my puzzlement, it was denied. But being in a hurry for the wash, I simply pulled out another card to pay with and off we went. My credit cards are all always paid off, so I knew of no valid reason for that happening.
However, after thinking about this for a couple of days and wondering what the problem was, I decided to call the number on the back of the card and ask. What a rodeo that turned into. Nobody seems to know anything and they kept passing me from one person to the other. They could pull up the card and see that I had recently paid the current charges in full and there was no remaining balance. Why else would they deny my card? They had no answer for me.
After a couple of hours and being transferred to numerous people in different departments while listening to elevator music, all they could come up with was that my late husband was originally the primary owner of the account and as his wife I am only a designated co-signer. I still didn’t understand the problem because he’s been gone almost two years and I’ve used this card and paid it off the entire time with no problem whatsoever. My name is on the account because they send the bills to me. I am the designated beneficiary. Now I wonder exactly what that means. It certainly isn’t what I thought it meant. They didn’t even know he was gone until I told them. I can only assume that had there been unpaid charges on the card, as the beneficiary, I would have to pay them. Who knows?
Now they are sending me a packet of papers via USPS. I am to fill them out and return them. What it means is that I have to apply for an entirely new account in my name only, even though I am the designated beneficiary on his original account. So much for the validity of that little designation,
Should you have any thoughts that you wish to share, I’d love to hear them. You can put a comment under this post, find me on Facebook (Jackie Taylor Zortman) or email me at jtzortman@ouraynet.com.
Thanks for listening.