Help Card/HC Processing Center HC Processing Center has poor collection practices and discriminates against disabled people. Springdale, Arkansas

9/11/12 Patty, from HC Processing Center, called me at 7:28pm. She asked me why I could not make the payment (it was due on 9/8/12 - 3 days late). I advised I had been in a car accident and now on long term disability. At some point during the conversation she laughed at me. When I asked for a supervisor she said no, but one could call me back. Then she hung up.

I called back at 7:31pm and spoke with Lela. I asked with for a supervisor and she transfered me to Diana. I explained everything to Diana and advised I've been in call center management for 25 years, including collections. I said customers should not be treated this way. She said since I've been in collections before, I should know that it's different than customer service. I advised its not. Customer service is customer service. She said she would listen to the call and call me back. She called back at 7:48pm to tell me that she cannot listen to the call until the agent signs off the phone in about an hour. She called back at 8:42 and said she listened to the call. She apologized and said Patty was wrong. I told her I have closed my account and made a BBB complaint. She told me she was noting my account. She did not try to save me as a customer.

7:52pm I called to cancel account. I spoke with Shannon. Shannon gladly cancelled account. She did not ask me why I was cancelling nor did she attempt to keep me as a customer.

This has got to be one of the worst customer service experiences I have had.  I can't believe Patty told me that if I was on disability I should not have applied for the card. Are disabled people not allowed to apply for a credit card? I was buying a bed to help me sleep due to two back surgeries. I needed the support for my neck and back. Isn't this discrimination against disabled people?