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Once you get a real person, the word "chargeback" also can sometimes get them onto a different track.


I once said 'freedom of information' on a call with my bank, and magically all the insurmountable problems went away and I got a call back (a real call back!) within minutes.


Simply stating that you are considering contacting your attorney will ring the same alarm bell a little more reliably. A bank employee might not know - but should know - that literally nothing the bank handles is subject to FOIA, but they're trained to treat a threat of litigation seriously.


Yeah the funny thing is I was actually idly talking to myself while the person was busy typing something - 'Does FOI work with private organisations? Oh no of course not' then all hell broke loose on the other end.


Just call the “collect” number on the back of the card.

When they think they’re paying $4/minute for the call, they route you prettt quick to someone experienced.




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