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Computer Credit Card Processing Fiasco
In March 1992, a man living in Newton
near Boston, Massachusetts received a bill for his as yet unused
credit card stating that he owed $0.00. He ignored it and
threw it away. In April he received another and threw that
one away too. The following month the credit card company
sent him a very nasty note stating they were going to cancel his
card if he didn't send them $0.00 by return of post. He
called them and talked to them about the problem. They said
it was a computer error and told him they'd take care of it.|
The following month our hero decided that it was about time that
he tried out the troublesome credit card figuring that if there
were purchases on his account he could end this ridiculous
predicament. However, in the first store that he produced his
credit card in payment for his purchases he found that his card
had been cancelled.
He called the credit card company who apologized for the computer
error once again and said that they would take care of it.
The next day he got a bill for $0.00 stating that payment was now
overdue. Having spoken to the credit card company the
previous day, he assumed the latest bill was yet another mistake
he ignored it, trusting that the company would be as good as their
word and sort the problem out.
The next month he got a bill for $0.00 stating that he had 10 days
to pay his account or the company would have to take steps to
recover the debt. Finally giving in, he thought he would play the
company at their own game and mailed them a check for $0.00. The
computer duly processed his account and returned a statement. It
reported that he now owed the credit card company nothing at all.
A week later, the man's bank called him asking him what he was
doing writing a check for $0.00. After a lengthy explanation
the bank replied that the $0.00 check had caused their check
processing software to fail. The bank could not now process
ANY checks from ANY of their customers that day because the check
for $0.00 was causing the computer to crash.
The following month the man received a letter from the credit card
company claiming that his check had bounced and that he now owed
them $0.00. Furthermore, unless he sent a check by return of
post they would be taking steps to recover the debt.
The man, who had been considering buying his wife a computer for
their anniversary, bought her a typewriter instead.
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