Sorry I haven't posted as of late, been a little under the weather. But I had to share this conversation I just had with a phone rep from Chase Bank:
ME: Uh, so I got this letter from you guys, something about my APR being adjusted.
RE: No, sir -- I don't show any letter going out to this account.
ME: Well, it goes something like this [I read about half the letter before she interrupts]...
RE: Oh yes, sir. I see we adjusted your APR in April.
ME: Oh. So... uh, was I credited.
RE: No, sir. Your account was at the wrong APR, so we lowered it.
ME: Right, the letter says that. So, what about the 6 other months is was at the wrong rate?
RE: We lowered them.
ME: So I was credited for the amount I over-paid all those months?
RE: No, sir, I show no credits.
ME: So, uh... what the hell went on?
RE: Look, sir... we credited your account the following amounts... [she rattles off a bunch of numbers]
ME: Uh, so I was credited.
RE: No, your account was adjusted.
ME: Uh, OK. Thanks.