Home Forums Hunting & Shooting Hunter's Campfire Cabela's Visa - WATCH OUT

Gee, I wonder where the money, the $1,200+++ that I sent to Cabela's on January 6th, was all of this time???

The twelve hundred bucks surely was NOT IN MY ACCOUNT.

Could it possibly be that the buggers just sat on my money for FIVE WEEKS?

Whose account was making interest on my money? And how many other folks have money in that account?

An inquiring mind wants to know.

They are paid, including the penalty/interest, plus five US$. If Cabela's VISA is that desperate, just consider it Steve's addition to the Financial Bailout.

Good riddance to bad garbage.

Steve

Gents,

(Note disclaimer... I am a certifiable curmudgeon...widower ... semi-old....and have money in the bank...so I have resources and few strings to hold me back.......)

FWIW... I have had a couple of issues. One with a local insurance company and one with a CC company.... When addressing the issue with their rep over the phone I usually hear something like this...."Well Mr. Wallet, these are our policies and how we must conduct our business." This is usually music to my ears as I am certifiable curmudgeon with too much time on my hands....I respond with something like this...."Well, let me explain the 'Wallet policy' and tell you what I am going to do...."

I am not advocating doing anything illegal, but after I explain what I am going to do .....usually begins with showing up at one of their representative offices.... or going to their retail place of business.... or simply having a business connection or lawyer get involved... I almost always get them to back up.

I have an issue right now with an insurance company. My daughter's car was hit by this lady in a parking lot. I was called and showed up right away. The lady admitted to me and my daughter that it was her fault as she just pulled out without looking. OK.. about $4,000 damage. Wonder of wonders, the lady's insurance company calls up and says it was my daughter's fault and that they will not accept the claim....got a little pi**y with me. Now, I could accept this, eat the $1,000 deductible, see my insurance rates go up or .......fight.

One has to decide if the cost of the fight and the hassle is worth the effort/reward of a fight. Many times it is not worth the hassle so you pay up and forget it. Or....decide to fight.

So, I have engaged a lawyer and a forensic engineer. He will examine the car, suphoena an examination of the other car and I will take these folks to court for the $1,000 deductible, the forensic engineers cost and the lawyer fees. I am also asking the lawyer to get in touch with the State insurance bureau and will try to file an insurance fraud charge. (my ins agent loves me!)

Silly? yes, in many ways it is. But that's what I choose to do.

I have NEVER had a case like this go to trial. I expect the insurance co will get the forensic engineer's report and the "lawyer letter" and they will pay up. If not I guess we go to some sort of court and let the chips fall where they may. I hear than many insurance companies will pull out the big legal guns to squash and outspend the little guy but that has not happened to me yet.

I guess it is a cost/perceived benefit choice.

I'll let ya'll know how it turns out....

Slim


btw... the forensic engineer works for the same company that did one of the investigations into the Lady Di accident in Paris. His report will likely stand up.

Going public provides a business with immunity from having to behave in a way that is decent, responsible or fair. They can always justify their actions with, "We have to think of our stockholders" and those who "understand" business will nod their heads in agreement.

Cheyenne,
You are exactly right. No way would anyone with any sense let an insensitive poorly trained employee run off a customer especially one that spends the kind of money Steve spent at Cabellas. Someone is going to get a real good customer.
Happens in every business unfortunately some more than others and it seems the bigger the business the worse the problem. I quit dealing with them on a regular basis several years ago when they "knocked off" the Outfitters Camo clothing line formerly made in USA.
Their web site, catalog and stores have way too much imported merchandise in them for me. Buy American as much as possible from many vendors all of us know and the credit card problem doesn't exist.

Dave

I have two Cabelas Visa cards, one for business and one for personal. I have had both there cards for a Long time and never once had a problem with them. Always good Customer Service. Traveling to Africa twice I took my Cabelas Cards with me and had ZERO problems. They have been great to me from crediting my payment ontime to good rewards. I am happy with them.

Steve- my experience with them has been very good. With an outfit that large- mistakes will happen and I am certain that people there will solve this. They depend upon clerks and admins to deliver their service. It is tough to employ the right people. (thanks to our Gov rules) Find the right person to talk to and ask for a $25 certificate. Lwr308

Instead of paying $50.00 to them crooks.I would of paid to have my bank cancel the check and pt in a claim against Cabella's. Then I would of went to their store and loaded up a shopping cart full of stuff from all over the store then went to the cashier to check out and give her the Cabelas Visa.When it showed declined transaction for insufficient funds,I would of raised hell and showed the manager my bank statement and told him you put $1200.00 on your card. Then make a big scene and tell them to shove their junk up their ass,you wont ever shop there again.

I haven't had a problem yet with Cabela's.

Stay away from CHASE. I have some card balances for 3.99 and 4.99% for life. I finished grad school a couple of years ago and am floating the balance--at these really good rates. A month ago they changed the payment to 5% of outstanding balance, in my case going from $200/month to $494. Here are the options they gave me 1) pay the full outstanding balance in full or 2) take the 7.99 rate--almost double--and keep the 2% outstanding balance payment. As soon as I get a job, I'm getting rid of Chase. I'm also not going to get a mortgage with them either. The person on the phone said they are trying to stay in business, in response to my bait-and-switch question.

A well-known card company got busted about 10 years ago for hoarding on-time payments and posting after the due dates to charge extra fees to the accounts and subsequently raise rates for non-payment in the Dallas area. It was a systematic issue that came straight from the top to intentionally hold payments at the mailbox and process them later. It was all over the news at the time.

DZ,
Maybe they could not accept the funds due to their accounts being full of "bail out" funds......grin

I have a debit card. I no longer have a credit card of any kind. Cash and cash only for me! Feels great.

Steve,

I called them today to point out their obvious mistreatment of a friend. I also gave the guy this web address and post. I suggested he read it. I also told him his company is about to lose a bunch of customers based on this, me included. If they value their business they better set it right, or they will lose more than one terrific customer!

Keith

100% correct!! A card I had all of the sudden changed the payment due date to less than a week after the statement was billed. When I called to cancel the card, they asked why, and I told them....then the lady says, we can change it back if you like!!! I wanted to tell here where to put it, but refrained.

Steve,
sounds you got an arrogant punk that enjoys causing pain and grief to honest people. If that company feels the need to hire types that are anti-customer service, they deserve to fail. Maybe, just maybe yours is one of the calls that are "monitored" for training!!!

Good for you Keith. I'm sure they're too big, and too busy to join the forum for a response, but they SHOULD.

My one man boycott of Levi Strauss continues, even if the company can't feel it.

Your bank has a record of the payment being made, and the funds subtracted from your account. There is no way you should be made to pay an interest and/or finance charge.

If I were you, I'd fight those charges AND no longer do business with that card...

Penny

Most banks garantee their electronic payments will get there on time. Talk to you bank about this. They should be able to tract the payment and tell you when it was recieved. This sounds like a total scam to me.

Key Bank used to do that to me all the time when they held our mortgage. I would mail in the payment more than a week before the due date, and they would very conveniently (for them) not credit it until after the due date... thus putting a late charge onto our account but not telling us about it. Once I called to ask about something and was told that we had something like 10 months' worth of late charges, and I said, "WHAT????"

After that, I began sending in the payment with a signed return receipt requested, so that I had a record of the date my payment was received and who received it.

Shortly after that, they sold our mortgage to CitiBank. I was never so happy to be rid of anyone in my life! So far, CitiBank has been great. I make each month's payment on line, and haven't had any problem at all...

Beware of Key Bank...

Penny

im cancelling mine today

Sounds more like a key bank issue than a Cabelas issue ?

Think about it - if cabelas didn't see a payment due to a key bank screwup well maybe they would say prove it.

Now on the other hand they should have said if you can prove it we'll take the charge off, but then again this should be common sense.

I just checked mine and the online payment went thru overnight?I've never had a problem with Cabelas.I did get rid of a bunch of others causing junk like that.
but,Thanks for the heads up.
I do shop there about once a week in the Dundee store,since I don't have any other 'gun shop' in my area.I have a very good repor with the Library guys there and buy a couple of guns a month.I would call somebody,let them know!!!

You may want to call Cableas customer service vs. the bank used by Cabelas. I've never had problems with Cabelas that they weren't ready to fix.

Now a bank on the other hand just sees us a credit scores.

Yes, it is fair to say that mistakes will happen but it goes beyond "mistake" describing what this dim bulb did. He had Steve's payment history and record of purchases at his finger tips and made no effort at all to keep a valued customer. I have no doubt that had upper management known how this twit mishandled this he would have been dealt with in a serious way but, unfortunately, it is too late to get Steve back. I don't blame him.

1flier