bad credit cards AOL


	P D Off EmailAddress: DupedbyAOL@aol.com Complaint: Warning to all AOL subscribers about their AOL credit card that you are constantly beign offered via popups. Their advertised rates are a scam> I signed up for one 3 years ago. Yes that's a long time but I very rarely used it. They sent me unsolicited "convenience" checks which very clearly stated that these checks would give me a 3.99% rate "for the life of the loan. Turns out the convenience is theirs. First I never got my bill. That's because if you are late on a payment your default rate per your credit card agreement goes to 23%. I went on line and made a payment just in time. This was NOT the first time that I stopped getting statements only after my balance went over $1000. When I DID receive a statement it came complete w/ $123.00 in FESS making the stated 3.99% rate actually 38.42% APR and yes they proudly posted that outrageous interest rate on their card. I transferred my balance to another card, cancelled their and filed a complaint with the FTC. BEWAR!E.

	Anonymous Complaint_against: AMERICAN ONLINE Complaint: I WAS A MEMBER OF AOL FOR 30 YEARS. MY ACCOUNT WAS TERMATED BECAUSE I SENT 50,000 EMAILS SELLING PORN SITES. FIRST I WOULD LIKE TO KNOW HOW MANY PEOPLE KNOW 50,000 PEOPLE. ALL ADDRESSES WERE SENT FROM MY ACCOUNT. WHEN I CHECKED THE SENT FILE I FOUND OUT THAT ALL EMAILS WERE SENT IN AFABETICAL ORDER AND ORDER BY NUMBERS SUCH AS ROBERT69@AOL OR APPLE@AOL THEN APPLE01 THEN APPLE02 @ AOL. RECENTLY AOL LAID OFF A LOT OF EMPLOYEES. THE OWNERS OF AOL SHOULD CALL IN AND ASK FOR ASSISTANCE TO FIND OUT THAT THEY WERE CUT OFF OR GIVEN THE WRONG TECHNICAL INFO. I AM NOW WITH ANOTHER ISP AND HAVE NO PROBLEMS COURTESY PEOPLE TO HELP YOU AND IF THEY DON'T HAVE THE ANSWER THEY EITHER EMAIL YOU OR SEND YOU INSTRUCTIONS AT NO CHARGE

	John Johnson Washington Complaint_against: AOL Credit Card Complaint: To: AOL Credit Card From: John XXXXXX ACCT: XXXXXXXXXXXXXX COMPLAINT: To Whom It May Concern: It came to my attention in April of this year that you guys hiked my interest rate to 29.49% because of some statistic relating to my income you seemed to get form the credit bureau. I had just transferred balances to you, so that was quite a disappointment that you would do such a thing. You were taking my income statistics back in 1998. I spoke with Margie Malloy via Jeff Jones in the credit department and corrected the income error. They informed me that they would correct this problem all the way back to where the interest began in February. It has been 6 months and the interest has NOT been corrected. I have called 3 times and every time I have been assured that it would be corrected and it HASN'T. I am filing a complaint against whoever the lazy person is in your credit department .. Margie Malloy , Jeff Jones or whoever else was responsible for this failure to take care of this matter. Also, I was just informed that you would only credit me the interest back from the time I requested which was April according to the records. I was informed when I originally called that I would be credited all the way back to the beginning of the interest hike which was February. I cannot tell you how upset I am that first of all, the problem isn't resolved and no one can seem to rush it through even though it is clearly your error. I am also letting you know that I will pay this card off, cancel the account and NEVER do business with you again! Stephanie Steele at 1-800-XXXXXXXX informed me that you would not credit me the $500 interest for the first 2 months of the ridiculously exorbitant rate. The $500 of erroneous interest will cost you a customer and your reputation as I'll be certain to inform others through the internet blogs of this rip off scam you have going as I am certain this complaint will probably not even be read let alone corrected. Sincerely, John XXXXX - Previous Platinum Customer

	Lynn Las Vegas, NV 89117 EmailAddress: lynnanninlv@yahoo.com Complaint_against: AOL - DBL Billing & Trouble Canceling Complaint: I was with AOL for 2 years and was having them pull a monthly payment from my debit card. A while back I was unemployed and unable to continue making payments. AOL was unable to charge my card since the funds were not in my account. I was unable to get online to speak to them about the matter since they had terminated my service. You would think since they had terminated my service and I was unable to use AOL in order to get online that they would consider that a cancellation. So for 3 months I went without AOL. A family member had said they would help me out and pay for the monthly AOL bill of $23.99. When I tried going back onto my old account it stated that I no longer had AOL service, but it could be restored with a payment of $24.87 and that would include unlimited use. My family member let me use her credit card information. I was up and running in a minute. They sure have no problem with that! Anyway, about 2 weeks later I received an email from them statin! g that I was going to be billed $47.80 (bouble payment). I called and complained, but all they were able to tell me was that they were charging me for the previous month I had neglected to pay and they were unable to pull from my original account. I was a bit irate and asked why i should be charged for service when I had none. How can they backcharge me when they had terminated me. The Rep said she was sorry and that I wouldn't be double charged again and that she would give me 2 months free of service and my next payment would nt be until Aug 22, 2005. The other day I received a call from my family member who was very angry with me. She said that AOL had charged her in June for $47.80 (double payment) and the same thing in July. I called AOL and the rep who was a foreign could barely understand me and vice versa. He basically said there was nothing they could do and said that my family member was mistaken and that AOL was never able to collect the original charge of $47.80 ! from her bank account, yet she has stae\tement that show otherwise. So he basically accused us of lying. I told him I wanted to cancel my account with aOL and he said that who ever was the account holder needed to close the account. My family member called AOL and a rep told her that I was the one who needed to close the account. Nothing like the run around! Finally we both placed another call to AOL and we were able to finally get them to agree to close the account and we got a cancellation confirmation # from them. We shall see if it truly does get cancelled and she doesn't get charged next month. My family member called them yesterday to discuss the double charges and they did a three way with her bank rep so she could verify that funds had been pulled from her account and paid to AOL. They in turn said that they double charged her because I owed them money from 3 months I had not paid them for my service eventhough they had terminated me. So they cancel my service, yet s! till want me to pay for it and also take it from another person's account who had not authorized that. AOL has become one of the worst ISP's. I would never again in my life suggest someone else getting an account with AOL.
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	Jacqueline EmailAddress: buckwheat_jegc@yahoo.com Complaint_against: AOL Complaint: I signed up for AOL under their promotion of trying it for 90 days and if not satisfied, I'd receive a full refund. I signed up in the middle of May. Lost my job the first week of June and cancelled at the end of June, as I was moving out of the state. I contacted them the first of July and they said I'd receive a credit of $77. Month after month I kept getting excuses as to why I hadn't received the credit. I contacted my bank and have to write them and send documentation to attempt to reverse the charges. The last time I spoke to anyone, they said that I had gone beyond the 90 days before cancelling. I told them that it was impossible because I had cancelled in June and gotten a confirmation number. Then they said that it would have to be investigated. I'll be taking further action on this one, too.