I have open a new credit card with one of prominent credit card company and then initiated a balance transfer request with them and they have sent me an email that they are processing. Since, then i didn't hear from them.
After couple of weeks, I call them back to ask the status of my Balance transfer request and the credit card company is telling me that "The reason it was pending because they needed a address for the balance transfer credit card, I provided the address to balance transfer department and processed it and told me that process is complete.
After 15 minutes I got an email that my transfer request is cancelled! I called back to the Balance transfer department and the Rep told me that, they needed an updated card number and for that reason they transfer me to customer service dept. After this the mystery begin, Customer service told me they do not have any balance transfer request for me nor they can find it, for one hour i got being transfer between balance transfer department and customer service for 5 to 6 times every time they transfer i have to tell the complete story from the begging! They made my day horrible instead of providing me help fro no reason.
Technically, yes you can file a lawsuit. You can file a lawsuit for just about any reason.
However, suing a credit card company will cost you thousands of dollars and take MANY more hours of preparation then you have already invested with their customer service representatives.
Since you have no cognizable damages to claim and you have no valid legal basis to bring a suit (a CC company is not required to approve your request) you would be spending thousands of dollars to get nothing in return. So suing would be a sub-optimal decision. Finding a different creditor would be much easier, faster, cheaper, and in the end will meet your original goal.
NOT LEGAL ADVICE, NO ATTORNEY-CLIENT PRIVILEGE CREATED. DO NOT RELY SOLELY ON ANY ADVICE YOU RECEIVE FROM ME OR ANY OTHER ATTORNEY ON THIS FORUM. Actual legal advice comes after a complete review of the all facts and relevant documents. Neither of these two events can occur in this forum. Mr. Rafter is licensed to practice in the Commonwealth of Virginia and the US Federal Courts in Virginia. His answers to any Avvo question are rooted in general legal principles--NOT your specific state laws. There is no implied or actual attorney-client relationship arising from this exchange. You should speak with an attorney licensed in your state, to whom you have provided all the facts before you take steps that may impact your legal rights. Mr. Rafter is under no obligation to answer subsequent emails or phone calls related to this or any other matter.
You do not have a legal cause of action to sue any business for inefficiency or poor customer service.
Instead, file a formal grievance with the credit card company's consumer complaints department, contact the Better Business Bureau to see if you can file a complaint with that organization, and take your credit card business elsewhere.
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