Living overseas means that certain things that are easy enough to deal with whilst home, can be a huge pain in the ass sometimes. For example, finding out that your credit card has decided to start charging you a ‘payment protector’ fee, without your permission. Granted, it is only $13 a month, but the fact is, I didn’t agree to it, or even know it was happening. I looked this up online, and turns out this happens a lot, and other people are also pissed off about it.

So, I finally got off my ass and called the bank by their ridiculous EST closing hours, and got some dude on the line. I explained the situation, how I had not signed up for this and would like the charges not only removed.

CIBC: But, maam, this is with a 3rd party, so you will have to discuss it with them. Have you called them?

Me: No. I am calling you because there are unauthorized charges relating to CIBC on my card. Why would I call anyone else?

CIBC: Oh. I see. Let me look.   Ok, well, it looks like this charge started in March. Did you authorize this in March?

Me: No. I have not spoken to anyone at this credit card company in over a year.

CIBC: Did someone call you perhaps?

Me: You and I just talked about the fact I live in Japan and you have no cell phone number for me on file. So, no.

CIBC: Well, I have no way of knowing if that is true.

Me: How about the fact that I, a customer of yours for over 12 years, is telling you?

CIBC: I am sorry, I just have no way of knowing if you gave verbal agreement to this.

Me: What? I am telling you this charge was without my knowledge. Now, as you are telling me this isn’t through you, I would like to look into them being fraudulant.

CIBC: Well, I have no way of knowing if you gave permission or not.

Me: (HOLDING IN THE RAGE) Seriously???

CIBC: You have to call the company, give them your credit card number and personal details, and they can cancel it.

Me:  (not yelling, calm, I swear) So, you are telling me to call a random third party I never gave my details to in the first place, and give them all of my personal information, going against everything in the original agreement I signed when I applied for this card? Because they are charging me without my permission? How does that make any sense? For that matter, how did they get my personal information and credit card number in the first place.

CIBC: *click*

I then tried to call the Payment Protector number, and turns out their EST opening hours are even shittier than my bank. 😦



2 Comments (+add yours?)

  1. Magdalicious
    Jun 10, 2013 @ 00:18:27

    Wow… horrid. But on the up side your terrible story prompted me to call my bank and they were lovely and delightful. 😀 Maybe you should switch banks… lol.


  2. bowet000
    Jul 06, 2013 @ 22:40:43

    Wow, I just read this post. Cannot believe that CIBC hung up on you!!! I’d find any way humanly possible to get rid of them as a bank.


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