Nobody is perfect. As people go back and forth throughout their daily lives there is always going to be the need for a way to moderate disputes. It isn’t that people are bad spirited or anything like that; instead people will have differing viewpoints and therefore will come to verbal blows as times during their lives. This happens between the company a customer is dealing with and the customer on a very frequent basis and that is why bodies like the Better Business Bureau are around in order to help ensure the fair treatment of customers by the businesses. It is very easy as a business to bully a customer or two around in the hopes to cow them around to your point of view and that is why these moderating organizations exist; to help prevent events like that from happening.
Just like with many of the other companies around there are going to be disputes between a customer and a credit card company. The nature of the credit card is such that people that get into trouble with them find that their finances have taken a nasty turn quickly and that these finances can not be rectified quickly. This in turn leads to negative feelings against the credit card company and a dispute might ensue. Credit card companies are used to disputes and complaints and because of that know how to handle them with professionalism and courtesy.
Most of the time the complaints that they receive are completely baseless and are just the insane ramblings of a person that has gotten themselves into bad credit problems specifically through their own impulsive and thoughtless behavior. Credit card companies have become very skilled and handling people like this and usually this type of dispute will not escalate beyond the first level. If you have a genuine dispute against a credit card company however then there are certain steps that you can take in order to help get your complaint resolved.
Step 1: Talk to them. This should be your first step in all cases. Try to take to the credit card company and see if you can get the matter resolved. If it is something like a breach of your privacy then it is quite possible that the credit card company might have already resolved it. If it is something more serious or if you still feel that the higher ups should be informed then you can escalate things to the next step.
Step 2: Discuss the matter with a representative from both the Better Business Bureau and the government agency in your area responsible for overseeing the operations of credit card companies. A quick search on the web or in your phonebook will reveal the contact information for the company. Because of the nature of the credit card all complaints are handled very seriously and you can expect to hear back from both agencies once they have conducted their investigations.
However you eventually go about handling it, it is important to keep in mind that you should always try to resolve these things at lower levels first. This is because the higher level investigations can be a pain both for you and your credit card company and have the potential to permanently damage relations between the two of you.