Yes-- Legit email from them. I went in and locked her credit down on all 3 bureaus.
Here's some more financial fun from the past week...
Sam's Club...
We had a SamsClub credit card where she was the primary. I called them (Synchrony Bank) to switch me to be the primary on the account. I was told:
"I'm sorry, we can't do that, but don't worry-- you can cut up those cards now as the account is cancelled." WTF. The result of that account deletion was about a 20 point drop in
MY credit rating-- F'ers. Weird how that account was counted against my credit (and ultimately helped my credit over the years), but they sure as F couldn't just keep the account and make me primary.
SO.... I go into Sams club regarding the Sams Membership account.... they told me that I can be the primary on the actual membership account, but I have to be THERE in person to do it. OK-- 165 mile trip to Sams Club in Rapid City last Sunday to address this. I explain to this guy what I want done, and he says the computer won't let him edit the name since my name is already in there as the "alternate" member on the account.
He shows me the accrued Sam's cash-- about $100 under her name and about $85 under mine... I have never seen that broken down by name, so I told him to cash hers out. done. Then he says-- lets just delete you as the alternate and then I can edit the primary and put your name in. (deleting things in a database-- what could go wrong-- right??) He acted like he had used this strategy before, and while I was standing there thinking, he said "
There -- done." -- meaning he deleted me. I said--
is my Sams Cash still there? He got a blank look on his face. Geeezus....
I said let's get the manager in on this-- but the manager was on break. I eventually spent an hour and spoke to 4 different people at that desk-- all sympathetic and apologetic, and none could figure out how to help me and there was NO evidence that there was $85 in SamsCash there prior to deletion-- though that first guy confirmed to the manager that it
was there. So-- the manager gives me a number to a higher-level of support at corporate. I called that number on Tuesday, and spoke to a rep with that distinctive accent from the Phillipines. A couple of amazing things happened-- this lady recognized that my issues were above her pay grade, and escalated me to another lady--- how often does That happen?? That next lady actually fixed it all and sent me a credit on the account.
Last item-- I was burned on the credit card cancellation, but the plus membership is worth it to us so I went ahead and get a new card application done while checking out. Well fuck... that generated a hard check on my credit rating, dropping my credit score another 10 F***ing points. FFS.
Our NEXT lesson boys and girls will be about PayPal and Venmo LOL... actually that was easy. I got into her accounts, transferred any cash in those systems, and closed the accounts.
I knew there would be some bullshit to deal with... but Wow.