Supervisor's treatment of my wife and me

Then why the late fee???

If your wife has a GM credit card in her name only and has issues to
discuss, then it is she who should make the phone call - - not you -
- and the fact that you are a GM stockholder and own a GM car has
nothing to do with it. Furthermore, statements are issued as a
courtesy and it is your (or your wife's) responsibility to know what
needs to be paid every month. I would suggest if you are going to
handle your wife's finances that you make sure that all of your
accounts are joint between the two of you so you don't have these
issues in the future.

They are only protecting her account by not sending a duplicate
statement. It doesnt matter how long you have paid these bills, they
cant know if you are getting divorced or trying to access private
information. Sounds silly to someone who has been married and handling
the money for so many years but there is too much fraud out there and
they can't take the chance.

While I'm sure you may not be one of them, there are many men who
handle the credit cards in the family who use their wife's name to try
to extend their own credit line. They are only protecting her and
they do the same for your own account so you have to try to see it in
a different way.

As usual, the PFB regulars found something to latch onto, to berate an
OP. He has "no legal right" they say, to attend to his wife's finances
(which are more than likely, JOINT finances). For that reason, he's
not entitled to be excused from the obscenely high "penalty" interest
rate. There's only one problem with that logic. They were willing to
drop the $39 late fee. If the crux of the issue here is that it's the
husband, not the wife, attending to this issue--then how should he
even get the late fee waived?

Anyone with BUSINESS SENSE (I know that's a contradiction of terms
these days) should look at the context. If there is ONE late payment
from a customer with an otherwise excellent history, it's in their
best interest to let it let slide and not lose their business.

Businesses get away with such egregious practices because they CAN,
and as long as the lemmings will not only accept but DEFEND such
abusive behavior, it will continue.

you'll get bitten.

You need to let your wife do her own foot work. If she is responsible
enough to have a credit card, she should be responsible enough to
handle her own affairs. If you were my husband, I'd be pretty ticked
off with you right now for meddling in my business and antagonizing my
creditors!

"Todd" is right that he is not permitted to do ANYTHING you ask
regarding this account unless your wife has expressly given them
permission to deal with you (and even then they are limited in what
they can do for you - it's HER account.) He doesn't need to be
helpful or sympathetic to you in this instance and I find it
interesting that just because they only considered dropping the late
charge, you state they offered no compromise.

They actually did. They are compromising on charging your wife a fee
for missing a payment that you ADMIT she missed (whether she had a
statement or not, everything can be done online - there's no excuse).
Just because they didn't capitulate on the interest rate, doesn't mean
they didn't compromise - they just didn't do what YOU wanted them to.

And as far as the, "prompt paying customers with a fifty year
unblemished credit history." Are we talking about you or your wife
here? If it's you, it's a moot point. It's not your card, not your
credit and NOT YOUR BUSINESS. If it's her, she needs to handle her
affairs herself. Clearly her record isn't perfect or she wouldn't
have missed her Dec. payment!

And just FYI, GM licensed their brand out to HSBC - the card is
TOTALLY theirs and GM will not care one iota about you being upset
over having your interest rate raised over a missed payment.

Why are you referring to GM in a letter to what appears to be a
mortgage lender? Isn't HSBC a mortgage lender? You sent an almost
identical letter to GM, so I'm a bit confused about this.

At any rate, Todd did NOT misquote federal law. You have no legal
standing to be calling on her behalf, unless you have some sort of
legal guardianship over her due to her being incapacitated, out of the
country, etc.