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  AT&T Universal Card has the worst customer service, the worst Billing Disputes Department of any company in the world!  All of my other credit card companies aggressively take the side of their customer and fight for them.  Not AT&T Universal Card.  I was treated with contempt and as if I were the criminal and not the merchant running the SCAM.  At times when I spoke with AT&T Billing Disputes Department I was treated like I was in the wrong and they were sticking up for and arguing on behalf of the merchant that was screwing me.  Unbelievable but TRUE!

To understand the situation let me explain in part what some of the circumstances are. I am the president of a franchise of retail computers stores. Part of my job duties are to make decisions as to what merchandise we want to sell through our stores. As a result of that, anytime a Distributor of computer product contacts my company, it is my job to determine if their products, pricing, quality and the like are suitable for sale through our stores.

A company, Silicon Mobile Technology, that claims to sell laptops "wholesale" to stores like ours.  They called me to try to get me fill out a "standard industry application" and set up with them to carry and sell their laptops through our stores. To explain the nature of their crime being perpetrated, Silicon Mobile Technology’s scam tactics are: Forgery, deceptive and unfair trade practices, unauthorized usage of credit cards, amongst other crimes. What they do is call you and attempt to make it "look like" they want you to become a Wholesale/Reseller vender of their laptops by sending you an industry standard credit application so that if you are approved, you can then purchase wholesale from them, in order to resell their laptops to the public at retail. As part of the sales scam, they bait you or entice you to fill out their industry standard credit application by offering you a free of charge DEMO laptop for 45 days, to display in your retail storefront. So, while you think that all you are doing is getting set up as a potential distributor, in fact their real aim is to fraudulently sell you a "so called" DEMO laptop. The offer for 45 days is verbal over the phone so you can’t prove what they said. However, I did ask them to put this in writing and they did send me an Email to that effect. After they send you the DEMO laptop, behind your back and without your knowledge, they then write up an invoice that looks like a sale and gives you only 30 days to pay and states that "all sales are final".

They then try to make it appear to your credit card company that you intended to buy the DEMO and not merely accept the test DEMO unit from them for a trial period of 45 days as part of their sales pitch and that they say you can return without being charged. This is even on their website (www.superlaptop.com) that they will send you a no charge DEMO if your application is approved, but nothing about 30 or 45 days trial period. Now, once you have the laptop, they run a charge through on the credit card number you put down on their credit application and charge you for the laptop without your authorization. Of course they "time it" so that by the time you send the laptop back per the verbal agreement, you get your credit card statement a week or so later, only then to find out that they charged you for the supposedly returnable DEMO unit. Now they have both your money and the laptop. I think you will agree this is a particularly creative scam. Makes you wonder how many other retail venders have they scammed this way? Get a sales department working the phones to call all of the computer retail stores in America with the same offer and even if they only get away with it 50% of the time, that adds up to a lot of fraudulent laptop sales and a lot of money.  In any event, when I received my credit card statement, I’m shock and upset when I find out that Silicon Mobile has charged me for the so-called DEMO laptop I sent back.

So, of course, I called Silicon Mobile and spoke with the salesman that originally called me, Mr. David Jan, and demand they credit me my money back per our verbal and written agreement. He agrees to do so and then sends me an Email that states, "that they will credit me my money back for the laptop I have returned" and includes an Email attachment of " their industry standard RMA form for me to fill out and send back to him. RMA stands for "RETURN MERCHANDISE AUTHORIZATION". This alone proves that Silicon Mobile lied about this being a "sales final", at least in my particular case. If they send someone a RMA form, that, means their policy is in fact to allow merchandise to be "returned for credit".  It even states that on their RMA form.  Under other circumstances, when Silicon Mobile sells a laptop directly to a consumer wanting to buy a laptop from them, "all sales are final" may apply. My situation is different, there was no attempt by my company to "buy" this laptop, it was a store test DEMO only that could be returned without being charged. Ultimately, they never give me my credit back. From that time forward, November 4, 2002, they have thwarted all my efforts resolve this when ever I call them, by always asking who I am first, then once they know who I am, they say no one is there to take my calls. They claim the company manager and David Jan are always gone somewhere and they don’t know when they will be back. They claim to take my messages and have someone call me back, but of course no one ever does.

I then call my credit card company, AT&T Universal Card and tell them the date I returned the laptop, sent them proof of UPS delivery, and the reason for the return was that, simply stated "It was a store DEMO – not for purchase". Please keep in mind that this started in October of 2002 and there have been numerous attempts on my part via phone calls and letters to AT&T to get my money back. At the time, when this first began, I did not know what kind of scam they were running.   AT&T Universal Card takes the side of the SCAM ARTIST MERCHANT and gives me only repeated ambiguous excuses as to why they will not credit back my credit card and they are aiding and abetting the criminal merchant by taking their side. There is some, as yet unknown, mysterious reason why AT&T is taking the side of this criminal merchant, rather than their customer. Which by the way reminds me, that I called 2 other "disputes department" managers from two of my other credit cards to try to find out how these situations are normally handled. Both department managers were astounded by what AT&T Universal Card is doing. They couldn’t believe how AT&T is handling this. They told me that they always go out of their way to attempt to try to protect their customers from scams like this and said there is something "unusual" about the way AT&T is handling this. In any event, after I sent AT&T the evidence I had of the scam, the documentation that’s proves this was not an attempt by me to "purchase" a laptop from Silicon Mobile, and a copy of the Email David Jan sent me stating "they would give me my money back", someone at AT&T in an attempt to help Silicon Mobile, calls and alerts Silicon Mobile that, they received all this proof from me and suggests to Silicon Mobile that they need to come up with some sort of fake receipt with my signature on it, stating that all sales are final, or they will be forced to give me my money back. Silicon Mobile and AT&T did not bank on me saving the Emails, the Credit Application, the RMA Form and all of the other evidence I happened to save.  So, Silicon Mobile follows the suggestions from AT&T and creates some sort of bogus receipt dated 9/6/02, that says all sales are final and they forge my signature on it and then fax it to AT&T. The date on this bogus receipt and the time of day is very important because it is the exact same date Silicon Mobile faxed me their "New Client Application", the same date I filled it out and faxed it back to them with my credit card number on it, the same date they supposedly check out my company’s vender information and bank information in order to approve my application, the same date they claim they "approved" my application, the same date they sent me an Email to the effect that they would then send me a DEMO laptop without charging me for it, the same date they shipped out the so-called DEMO laptop and the same exact date they charged my account for the laptop according the date, 9/6/02, on their receipt.  Now THAT is an unauthorized and fraudulent charge, as they didn’t give me 45 days or even 30 days.  I have a letter from Silicon Mobile in response to the BBB of Santa Clara, Santa Cruz, Monterrey & San Benito, California, that states in part and is enclosed: "What we had agreed with him was we could send him a laptop computer for display and let him pay 30 days later".  Which proves in their own words that, first, this was NOT an attempt on our part to out right "BUY" or "PURCHASE" a DEMO laptop, second, that our purpose was NOT an intentional "sale", thereby making the charge to my credit card an "unauthorized charge", and third, that the laptop was in fact "returnable without charge".  Had I know it was 30 instead of the 45 days they told me, I would have returned it within that time frame. That’s part of the scam.

Also part of the scam is that they claim they will only send you this DEMO if your application is approved, not for the purchase of it, but to get set up with them as a reseller of their laptops through our stores. Again, that’s part of their deception. It was impossible for them to check my company’s history in order to approve my application in that short a period of time. Silicon Mobile is located in California and faxed me the application at 10:08am. I am located in Texas, Central Standard Time, which made it 12:08pm here. It was hours later, about 5:30 – 6:00pm when I faxed back the application to them. My bank was closed as well as the Trade references. In fact they never did check my company’s bank and trade references information. I contacted the "trade reference I listed on the application and they told me Silicon Mobile NEVER called them to inquire on my company’s credit history. To make their scam work, they had no intentions of checking my references, as all they needed was my credit card number that was required to be on their "New Client Application".

I can tell you honestly, that I never signed any kind of receipt at any time for anything. The only thing I ever signed was the "New Client Application", on 9/6/2002, that Silicon Mobile faxed me to get set up as a distributor of their laptops. I wrote and told this to AT&T.  AT&T Universal Card didn't care. AT&T should have sent me an affidavit so to sign stating that this was an unauthorized, fraudulent charge. If this was an order I placed over the Internet, the other disputes department managers told me it might be a different story. This is just another scam, albeit a creative scam. I would like to know why, mysteriously, AT&T Universal Card is taking the side of a criminal offense perpetrated by Silicon Mobil and helping to protect them, but that doesn’t matter, a fair solution to matter is simply for AT&T to credit my account back for the unauthorized and fraudulent charge.

In closure, I would like to state that as of this date, AT&T Universal Card has not credited back my money to my account and refuses to do so.  AT&T Universal is still helping the Scam Artist Merchant get away with screwing me.

 
  Complaint:
I am I am shocked and appalled at AT&T Universal Card's lack of protection to me. I find it incredible that apparently I can be charged for services and facilities I never used.

After checking into the The Hotel Amistad in Amsterdam, I found the conditions there deplorable, and nothing like what was pictured or promised. The Hotel was under construction.

I checked out having used no services or facilities. I was forced to pay for five nights that I DID not stay at this hotel.

I consider this a most serious breach of AT&T Universal cards supposed customer protection. I am dismayed at what I consider the total failure of AT&T's customer service apparatus to deal with the issue.

As a charter AT&T Universal card holder I am sadly disappointed in what to me was my #1 card and the thoughts of it now sends shudders down my spine.
 
 
  RE: AT&T Universal Card / MasterCard


I wrote a letter to the Texas Attorney General about AT&T Universal Card Services increasing my rate from 8.99% to 19.99%, then to 24.99%.

Two weeks after filing the complaint, I received a letter of apology from Citibank (the current owner of AT&T Universal Card Services). The interest rate has been lowered to 8.65%.
 
 
  RE: AT&T Universal Card / MasterCard - interest rate increase from 8.99% to 24.99%

I opened a Platinum MasterCard with AT&T two years ago at an introductory rate of 3%. After nine months the rate increased to 10% and has fluctuated between 8% and 12% since then.

A couple of months ago I noticed that my interest rate had increased from 8.99% to 19.99%. When I phoned AT&T about this ridiculous increase, I was informed that my credit score had decreased, which warranted the higher rate being charged. I immediately closed the account and followed up with a letter of complaint to AT&T. This month, my interest rate increased to 24.99%.

The reason for the change in my credit score is because I recently purchased a house, thus increasing my debt to income ratio. Regardless, I have never been late with, nor missed any credit payments.

I probably would understand if AT&T increased the interest rate for future charges to discourage further use of the card. After all, only a fool would keep a balance on a credit card if (s)he knew the interest accrued at
24.99%.

What is difficult to believe is that AT&T can increase the rate to an almost usurious level, after I have charged $5,000 and am in no position to pay off the debt in full to avoid paying this absurd interest rate. My
guess is AT&T has figured this out.

 
 
  RE: AT&T Universal Citibank credit card - interest rate increased to 24.77 %

I have had my ATT Universal credit card for a number of years with no problems. They offered a 7.99% interest rate on transferring balances and I did just that. Several months later they offered 3.99% on transferred balances. I transferred a balance from another card as well.

The percentages they offered were good until the amount was paid off, providing the cardholder did not default, paid late, etc. I was having no problems and abiding by the terms until 10/02, when I noticed that the interest rate was 24.7%!!!!! I immediately called ATT who told me that they couldn't do anything about it-it was really a Citibank card.

I also explained that they had not notified me of the increase and I was told that they don't have to. Fortunately I was able to transfer the balance to a card offering 3.99%.

I immediately cancelled my ATT Universal Card with a letter expressing my displeasure with the whole thing- and I cancelled my husband's Citibank card because I will no longer have dealings with ATT Universal and Citibank.

 
 
  RE: AT&T Universal Credit Card - credit card interest rate raised from 8.9% to 24.9%

After my divorce in 1999, I immediately began building my own credit. I first got a car loan, then I opened 2 credit card accounts at fairly high interest rates of 14.9%. I had to do this, because I was just starting out. After 1 year of on time payments to every debtor I had, I received an offer from AT&T card services for a credit card with 8.9%, with an offer to transfer balances at that rate till they were paid.

Of course I took advantage of that, transferred every debt I had to other cards over to AT&T, and closed the others. I have still continued to make payments on time since 1999, and was even offered a credit line increase by AT&T one year ago.

This month, I received my AT&T statement, and my interest rates had been chanced to 24.9%! I called, and was told that they routinely do credit reviews of their customers, and based on credit delinquencies in my past, I was now considered a credit risk, and this action was done in order to warn off any potential delinquent payments. With the AT&T agent on the phone I went on line and ordered my credit report from equifax. There are no late payments on it since 1997. NONE since 1997, and NONE since I opened my account with AT&T. SO basically , in a nutshell, AT&T is running a scam ....a legal scam.

They are offering people with less than perfect credit in the past an opportunity to transfer debts to them, promising a low interest rate. Once you have established a substantial debt to them ($6,000 was what I transferred, and they still offered me more credit, which I didn't take), they then use the delinquencies in your past as reason to up the rates. MINE ALMOST TRIPLED. I have closed the other accounts I had in order to keep my debt ration down, and now in order to get away from AT&T I must open another account somewhere else.

I have worked hard for the past 3 1/2 years to rebuild my credit after my divorce. I did everything as I should have. Worked my way down to lower interest and the reward of seeing my debt shrink. I did everything I was supposed to do. What AT&T did was legal, I am sure somewhere in the fine print there is something that gives them the right. But it was ethically and morally wrong.

I will never do business with this company again. Apparently Citibank has bought this company. This must be where it all began to go down hill, because I have never had a problem until now.

 
 
  RE: AT&T Universal credit card - experienced terrible customer service

I encountered terrible customer service when I called AT&T universal card services to informed them that my October payment was going to be postponed until my November scheduled payment. I am in a debt management program and just had a hard time this month.

She was very rude, and was not giving me a chance to speak without cutting me off. Then ask me "Is that all I can do for you?" I don't want sympathy, but she had no right to speak to me in that manner.

I called back and spoke to a supervisor and she would not give me her name because she failed to mentioned it when she answered the phone. The customer service reps at AT & T were not friendly at all!
 
 
  RE: AT&T Universal Card and Citi Bank - interest rate raised from 12% to 16% and then 19%

I recently came across your great site, and a complaint against the two above-mentioned credit card companies. I, too, have the very same complaint and have vowed to never use these cards against once they are paid off, which will be very soon.

My interest rates with them were 12%, but they raised them to 16% and 19%. I wasn't even aware of this until I noticed the rate change on my monthly bill. Seems to be very unethical.
 
 
  I recently signed up for the AT&T Universal Card, with the understanding that I would receive $100 calling card FREE.

At the time I signed up, I asked, "How will I know when I have used up the $100?" I was told," You will know when you get your bill."

After about a month, I made the decision to consolidate all my credit cards, and cancelled the AT&T Universal Card. I asked the customer service rep at that time, "How will I know how much I have used on the calling card?"

I was told, "You'll know when you get your bill." I finally received the bill, totally $390. Until that moment, I was unaware the cost to initiate a call was $2.14, and that each minute was .89.

A month later, I received a second bill with an additional number of calls, totally over $500.

I have communicated several times with the customer service dept.; I have paid to date $61 to AT&T, which would have been the equivalent of $1/minute for the first bill's # of minutes.

I have most recently been connected to their "collections" dept. and was told I could pay $150/mo. I feel as if I have no other recourse, because this company is so well protected legally.

I even had one customer service rep. tell me that they do not post these rates in writing ANYWHERE. I was told I would have to ask SPECIFICALLY for the cost per minute in order to be quoted it.

No one in their right mind would ever agree to such a "deal" as this --

I feel like a complete fool for having fallen for such an obvious scam.
 
 
  RE: AT&T Universal Card - Interest rate raised from 12.9% to 19.9%

When I received my bill I was outraged, when I had called them to ask why they had raised the interest the customer service rep said my credit report indicates that I have several high balance accounts and they raised it so I would pay faster these where her exact words.

I then closed my account and called them back after receiving my credit report which by the way in fact has few accounts with high balances but never a late payment to any of them, I then spoke to a supervisor who said that the person I spoke to gave me the wrong information about why the interest rate went up but she herself could not give me a reason other then based on my credit report.

I had then told her I have my credit report right here in front of me the same credit report they used to base their decision by the way. I then asked her to please indicate to me what in this report is their decision based and she could not give me an answer other then to write a letter to their credit department. I was just amazed at this supervisor that she could not give me an answer.

If you are thinking of opening an account with these people don't do it. They are unscrupulous loan sharks, and they obviously make no excuses.
 
 
#11  
  RE: Damark catalog - charged for items that were not ordered - how did co. get credit card number ?

I have never done any business what-so-ever with Damark. Though they have sent catalogs to me for years, I have never ordered from them in any way nor has any member of my household. I also do not recall receiving any phone solicitation from them on any matter and even if I did, I would not have ordered anything over the phone when I did not initiate the call.

Moreover, I absolutely did not give anyone my credit card number (AT&T Universal Card...Master Card) over the phone for any transaction that I did not personally initiate the call to the merchant.

However, in spite of that fact, my credit card statement arrived today with three separate charges from DMK. They were as follows:

DMK Member Proc. Fee..........................4.99
DMK Smart Perks...................................29.99
DMK Homeplay.......................................99.99

I do not know how they received my credit card number or identified me, but the charges occurred none-the-less.

I notified AT&T immediately. They have cancelled my card and will issue another.

From a bit of reading on the web, I learned that DMK may have acquired credit card numbers from J.C. Whitney, Co. If that is a possible link to this fraudulent practice, it is possible in my case as I have ordered auto parts from J.C. Whitney. The last order was many months ago, but J.C. Whitney would have my card number on file.

 
#12  
  Have you heard of a company named RFL (Reading For Less) Worldwide out of Atlanta Georgia??

I currently have a magazine offer being billed thru my credit card. (I was a promotional thing thru AT & T Universal Master card, so they said.)

I have not seen a single magazine and they keep telling me "you should be getting them, and the publisher does not know why you are not getting them either"

There was a problem with them having the correct address at first, but that was quite a while ago. People have told me about companies like this pulling the "we had the wrong address and we do not know why you are not getting them bit"

But they keep billing me, and I do not know what to do, what advice do you have for me, I feel like this is a scam!!!
 
#13  
  RE: Re: AT&T did not even try to dispute issue

I was told by the customer service representative (Casandra) that they did not rule in my favor because I questioned the quality of the furniture and did not actually say that I canceled the order when, in fact, I wrote the dispute department in a letter stating that we canceled the order the very next day.

On April 11, 2003, one customer service representative stated that Master Card has a policy stating that the merchant does not have to cancel, and finally they stated in a letter that they did not rule in my favor because the merchandise was purchased more than 100 miles from my home and not in my home State. I was also told by Casandra that I should get in touch with the merchant and pick up my furniture and there was nothing more they could do.

Casandra also asked me if I wanted her to close my account and they would get the money from my husband after I told her that I did not sign for this purchase. I was under the impression that an account could not be canceled if there is a balance. I asked the customer service representative on April 11, 2003 if they were not going to permit me to reopen the dispute and I was again told "there is nothing we can do," and I would have to settle this dispute with the merchant.

I told her that I would not pay for furniture that I did not receive. She told me they would send it to collection. I told the customer service representative to send it to collection. She said she was surprised that I did not care for my credit (may be not exact words). I told her that my credit history speaks for itself. I have no problem forwarding the letters from AT&T Universal Card and my replies to the BADCREDITCARDS.ORG
 
#14  
   Tia
EmailAddress: tia954@hotmail.com

Complaint:

 AT&T Universal Card Platinum Master Card/CitiBank (AT&T MC) is reneging on their BILLING RIGHTS SUMMARY - SPECIAL RULE FOR CREDIT CARD PURCHASES "If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services."  12/29/2003 I contacted AT&T MC re: the purchase I made at the Miami International Airport [I am a permanent resident of the State of Florida and I have been at Temporary Duty Station _ _ _, CA] on 12/18/2003. Florida is my permanent home state and Broward County is my permanent county of residence - as per the State of Florida Department of Motor Vehicle Driver's License and Motor Vehicle Registration. Miami-Dade County where Miami International Airport dwells, is within 100-miles of Broward County. The representative issued me a conditional credit and instructed me to compl!
ete the notification of Disputed Item sign and return once I received my Billing Statement.  On 1/26/2004 I received and signed the Notification and mailed it back to AT&T MC. On 2/6/2004 I received a letter from S. Larson stating that I needed to sign and date the typed statement "My account was charged $84.00. Neither I nor anyone authorized by me made this charge." I signed it and sent it back on 2/6/2004. On 2/11/2004 I received another letter from S. Larson stating that the $84.00 charge was "made outside of your home state and more than 100-miles from your billing address" and my account will be re-billed $84.00.  I contacted the Billing Dispute department on 2/11/2004 and Nancy, ID number 031 was very abusive and threatened me stating she would send my $84.00-bill to collections if I did not pay it. I tried to calmly explain all of the above and she hung up the phone on me. I called back and requested to speak to her supervisor Mr. Terry Dosher and was told to go hire!
 an attorney because I must pay them $84 because they had already paid the merchant Miami International Airport. I have been a cardmember of AT&T Universal Card for more than ten years and could not believe they would resort to this type of fraudulent, deceptive, and unfair business practices in the marketplace.  Can you help me please.

 
#16  
  Sheila
Mississippi

Complaint: I canceled my ATT card after they raised our interest rate without any warning from nearly 9% to 24%. I am grateful for the wakeup call. As for me and my house now, we use 'Credit' very cautiously
 
 
#17  
  Michael Twomey
1380 John Robert Drive
Morrow, GA
Phone: 678 592 7614
EmailAddress: Sakowitz50@hotmail.com

Complaint: Beware of Citi Bank and ATT Universal Credit Cards.  I fell for the transfer of balance offer (3%) for the life of the loan.  Now they have increased the interest rate to 24% after my payment was returned to me via US Postal service.  I called and had the most awful and literally unprofessional "person" I have ever dealt with.  I fortunatly was in the postition to close these two accounts.  Now I am having a sign printed for my car as well as my business warning others about these practices.  Citi and ATT..I assure you I plan to tell this story in its entirely to everyone that I can.  Thank goodness I will be speaking at a convention in May where there will be in excess of 4,000 people in the audience..I plan to use this example as part of my program. 
 
#18  
  AVS
Decatur, GA
EmailAddress: primoprime@yahoo.com

Complaint:
AT&T Universal Master Card, as already posted on your website, has some of the WORST representatives. Their account supervisors are also ridiculously BAD. COLD and RUDE!!

Once, I had authorized a 'speedpay' through my Bank Account. They had an abbreviated account number and my bank, naturally, refused, and charged me $30. I called AT&T's collections department and told them to stop depositing those checks. They did NOT! They kept presenting these checks. And I kept getting these bank charges for returned checks. And the WORST part... AT&T denied that I had ever called. This was SHOCKING!! They said that they HAD NO RECORDS of my calls!!! Can you believe that?! Which, theoretically,  meant that they escaped mindlessly depositing those checks. IN SPITE of my asking them to STOP the checks. The biggest joke is that I had NO balance on my AT&T account at that time!!

IMPORTANT NOTE: Jot down their names, day and time of the call, and their ID / Operator number!! And more easily, DON'T apply for this card!!
 
#19  
  Anonymous
Florida

Complaint:
In 1996 after my divorce I had substantial amounts on several cards. One being an AT&T card. My ex-husband refused to help me pay and it got to a point where it was tough making ends meet. I called AT&T and asked about working out some kind of payment plan. I was told to pay $150 a month unitl the $7000 balance was paid off. I informed them that my ex-husband made the purchases and I had asked several times to quit sending new cards requested by him. I was informed they could do nothing about that and I was responsible for the debt. To make a long story short, they refused to work with me and after the phone call they raised the interest rate from 5.99% to 24.99% because I was now a credit risk.

Needless to say I dumped AT&T in my bankruptcy. I recently went back to them but once my 0% interest is up I am getting rid of them. CitiBank is part of the problem.

Also, don't take advantage of the $100 promotion offer because they charge you interest on that $100 until the transferred balance is paid. They don't tell you that either.
 
#20  
  Rashmi Venugopal
18577 St. Andrews Ct West
Prarieville LA, 70769
Phone: 225 773-5373
EmailAddress: rvenugo@hotmail.com

Complaint:
DO NOT USE AT&T UNIVERSAL CARDS!

All the credit cards are now offering email notification. In November, I decided to request email notification since I am constantly moving around due to my job. Today I received my June statement. I haven't received a notification from AT&T for five months but I didn't think this was odd since I don't ever use this card and I assumed it was at a zero balance. When I called today to find out why I hadn't received these notifications they admitted that they have this trouble often with hotmail since they send out mass emails. Hotmail views this email as spam and blocks it. If that's the case they shouldn't allow you to receive email notification at a hotmail address.
 
#21  
  Anonymous

Complaint: A restuarant in Paris charged my AT&T Univeral card 1,200 Euro came back to the table and told me my card did not go through.  I gave him a separate card and he put through the correct 300 Euro charge.  Later I discover the 1,200 Euro charge immediately indentify the charge to AT&T as innapropriate.   I explain what happend and they end up crediting the 300 from the 1,200 balance.  I explain that this makes no sense.  They finally send me a copy of a sales slip with a signature that bears no resemblance to mine.  By now they have several signature samples from me from all of the letters I have written them and the affidavit is signed in front of a notary when I originally notified them of the charge, but they simply closed the file and I have not heard anything from them again.  No one will listen to reason and they continually tell me my credit will go bad.  This is the worst credit card service I have ever received, and they can keep the balance out there forever!
r as far as I am concerned.  DUMP AT&T Universal.

Except from page one of this website and the reason why this website was started: AT&T UNIVERSAL MASTERCARD, ...PREFERRED 10 to 1 by better Scam Artists and Crooks world wide!!    "AT&T's customer service is astonishingly and profoundly horrible, the absolute worst, they made "me" feel like the "crook" and I was the one that got "scammed!!!"  My case was never resolved and the crooked scam artist merchant got the "money and the merchandise".  I ended up with nothing but the $1,600.00+ bill from AT&T Universal Card and a headache!  OUCH!  AT&T claims I still owe the money!"  In disbelief, you ask: "HOW can that happen and could this happen to you"??  YES this could happen to you!  And NOW we see it did happen AGAIN to the complainant above.
 
#22  
  C Wilson
Colorado

Complaint:
In July of 2000 my mother passed away.  The end of that month I sent in a payment for her final AT&T Universal Card order (she never carried a balance past a month) and along with enclosing a death certificate I requested that the account be closed.

Fast forward almost four years and I get a bill from AT&T Universal Card addressed to my mother for charges to a company called Overslade.com.  A quick search on the web reveals this is a scam organization.  I immediately call them and inform them of the situation.  The customer service person suggests that I need to send them another death certificate to their estate department and that will close the matter.  Another month and another bill, now with late charges.  Another call and another customer service rep and this time they say I need to send in a letter to another address and includ another copy of the death certificate, which I do. 

Another month and another bill with even more late fees on it.  This time I get really nasty and demand to speak to the supervisor of the customer service department.  This person informs me that they show no record of my mother being deceased and they connect me to the estate department.  The estate group says why am I calling them, they've marked the account holder as deceased, so she says I need to call customer service back and tell them to check their records again.  I do and now when I as to speak to a manager I get a different person from the one I spoke to just twenty minutes before!

They tell me my mother needs to call the company that made the charges, at a certain 1-800 number and have them issue a refund.  I try calling that number and I get a recording saying essentially, "We've gone out of business, run off with your money and if you have a problem contact your credit card company."

I call AT&T back and get the first supervisor again and tell him what is happening.  He puts me in touch with the fraud investigation division.  They take some information and a few weeks later I get a letter in the mail, addressed to my dead mother telling her she needs to sign a form indicating that she didn't make or authorize the charges.

I send the form back with another letter to the S. Larson who "signed" the letter and ask how a dead woman could authorize a charge or sign a form saying she didn't authorize such charges.  Another month later and another letter again requesting my mother's signature.  Return again to the signatory S. Larson and ask how on earth my mother could have authorized these charges when she had been dead for almost four years.

Well today I get a letter addressed to my mother signed by this S. Larson saying that since my mother hadn't signed her form they are considering the investigation closed and returning the bill to active status.  ARGHHH.  So again today I wrote another letter, and again included copies of several previous letters, only this time I'm going to send it certified, restricted delivery to S. Larson....

How dumb can they be?  She's DEAD!!!!!  ARGH!
 
#23  
  kim
chattanooga, Tn
Complaint:

  To begin with, I have in all my years of dealing with credit cards, never dealt with a payment date that changes every month like AT&T Universal card.  I had just recently started paying my bills online instead of writing checks. I told my son I would add his AT&T account to my list of bills to pay to assure his payment was made on time.  I put his payment date down as the 9th according to the statement and proceeded to make his first payment. The following month I could not get into AT&T's payment sight. I had had some trouble with my computer so I thought I could be at fault so when I was finally able to get into the sight I made the payment and accepted the late charge of $15.50.  The following month I was not able to get in again to make my payment so I called AT&T customer service and told them the problem I was having and it was making me late paying my bill on time. I had paid the bill in full but I knew they were going to put another late charge on my son.
The man I was speaking with explained that I was trying to get into the sight after the due date and I told him It was before the 9th each time and he then told me that the due date changes every month. After a lengthy conversation he said that he would remove both late charges of $15.50 and give me a zero balance and a confirmation number. I could not have been more appreciative considering it was my fault for not noticing the due date changed each month.  However, the following month my son gets a new bill now with another $15.50 added making the bill now $63.00, all of which were late charges and interest. I call customer service once again and explained the situation, told them the confirmation number of the prior conversation and they told me there was no record of a prior phone call, told me I needed to pay the bill immediately and overall was treated like a criminal. I immediately called my son in to the phone and told him to cancel the card. I will pay the bill for !
my son and plan a  follow up phone call concerning his credit but my main purpose in posting this is so that if any parent reads this they will tell their kids not to deal with this sorry excuse for a professional business with its extremely high interest and ever changing due date. On their statement in large print it reads "We appreciate your card membership" BULL!

 

 
#24  
  Anonymous

Complaint:
DO NOT OPEN AN AT&T CREDIT CARD, THEY HAVE LOUSY SERVICE AND DECEIVE PEOPLE BY FALSE ADVERTISING.

I was dumb enough to be taken by them twice already.  The first time is to take advantage of their balance transfer for a low APR.  All I had to do was call an  800 number and activate the promotion.  After I transfer a balance of another credit card and received my statement, I saw that I don't have the low APR that they had promised me.  I fought and fought with their customer service team and even with the management but all they could tell me is that they had no record of me calling to activate the promotion.  I promised myself that I will pay off this credit card and never use it ever again.  It's been two years that I had forgotten about this until my recent incident with them just a couple of days ago.  I received another special promotion from them of 0% APR for new purchses until the end of December.  I called the 800 number to activate the promotion and used my card while I was away on vacation.  I got my statement yesterday and saw that I was getting charged 14% !
and not the 0% that they promised.  I again called their customer service to dispute this and again, they said they have no record that I ever called to activate the special promotion. 

WARNING:  IF YOU EVE DO ANY BUSINESS CONTRACT WITH AT&T, ENSURE YOU HAVE SOMETHING IN WRITING.  AVOID DOING BUSINESS OVER THE PHONE.  IF YOU HAVE TO, THEN JOT DOWN THE NAME OF THE PERSON YOU'VE TALKED TO.  I WOULD ALSO DOUBLE CHECK THAT THEY HAD PROCESSED THE SPECIAL PROMOTION CORRECTLY BY CALLING BACK A COUPLE OF DAYS LATER TO LOOK AT YOUR ACCOUNT.  DO NOT PROCESS USE YOUR CARD FOR ANY KIND OF SPECIAL PROMOTION UNLESS YOU HAD CONFIRMED AND VERIFIED THAT THE PROMOTION HAS BEEN REFLECTED ON YOUR ACCOUNT.

Learn from my mistake.  If you don't, you will end up carrying the burden of proving that you had called to activate the promotion and ATT will make sure you have a difficult time to do this.  They wouldn't even give me the 800 to call for the special promotion for me to check my cell phone statement as proof that I made the call. 

As of current, I'm still stuck with the high APR.  I'm very disgusted with the dishonest way they are doing business!!!I've sent a complaint to Better Business against them.
 
#25  
  Steve
Kansas
EmailAddress: toddfan@hotmail.com

Complaint:
AT&T sent and inducement to my household to take out a 7.99% card.  They didn't realize that I have had their card, for years.  That SAME MONTH, without warning, they raised the interest on my existing account from 9.9% to 14.99%.  I called to discuss.  The customer service rep told me that my Equifax credit report showed "excessive debt" and "specific information" giving a "bad score".  I told her that was "odd" because they had just sent me an offer for a 7.99% card.  She checked with her supervisor, and then agreed to lower my account rate to 7.99%.  They even sent me a letter, confirming the change.  This was two statements ago.

I went ahead and ordered a copy of my credit report from Equifax (you can get one free, if you have experienced negative action linked to the report).  My report showed EVERYTHING as "pays as agreed".  No late payments.  As far as I could see...NOTHING negative.

Well, this months statement included a "notice of change in terms".  They have raised my rate AGAIN.  This time to 19.99%.  I called them again, this time the customer service representative was TOTALY unhelpful.  She told me the same "reasons" mentioned above...and would NOT budge.  My ONLY option to not nearly TRIPLE my interest rate was to DECLINE the change in terms.  Now, they will close my account on the expiration date listed on the face of my card.

HERE IS THE KICKER....AFTER going through all of this, the customer service representative told me of an "offer" that could considerable reduce my interest rate by TAKING OUT A HOME EQUITY LOAN from one of their AFFILIATES!!!!!!...at a "much lower interest rate".

IF THIS ISN'T AN OBVIOUS CASE OF THEM TRYING TO MERELY INCREASE THEIR PROFITS, I DO NOT KNOW WHAT WOULD BE.
 
#26  
  George
Ft. LAUDERDALE,FLORIDA

Complaint: DO NOT RESPOND TO AT&T UNIVERSAL CARD PROMOTIONAL INTEREST RATE OFFERS.If you do, read the fine print.If you are late one day,the low rate they give you, in my case which was 9.9% goes up to 28.8%.Not only that, if you have a second card which you were not late with, that card also goes to 28.8%.You can imagine what that is every month. I calculated it would would take 20 years to pay it off.In my case, they only took $5 a month and $210 in interest.How the federal and state laws governing credit card companies ever allowed it was definitely not in the consumer's interest
 
#27  
  Anonoymous

Complaint:
I took a cash advance from AT&T and CitiBank for $7100, checking with them beforehand that I wouldn't incur finance charges beyond normal interest rate if I paid money back within 30-day credit cycle. I paid back in full in 15 days. I then received statement totaling $280 in various interest, transaction and "activity" charges. This amounts to roughly 75% APR. The $90 "transaction fee" is entirely arbitrary as far as I can tell -- it has no relationship to any marketplace reality that I know of. I've written several letters and so far been ignored.  

Sincerely, Outraged
 
 
#28  
  Sandy
Brooklyn

Complaint:
AT&T Universal Card advertises that it will back up the cardholder in merchant disputes.

They gave me conditional credit for disputed charges and then after months of my sending them "missing" information including pictures of bad or missing merchandise, they reveresed the conditional and told me that I must pay even for missing merchandise.
 
By the way, do not sign up for their e-mail notification of statements because they just stopped notifying me when they added finance charges for the non-delivered and damaged merchandise.

The merchandise involved is thousands of dollars so I am going to try and find an attorney.

The only reason I use a credit card is for the protection supposedly offered in such disputes. Now I not only have to fight the merchant but I also have to fight my credit card company.  AT&T Universal Card has got to be the worse I have ever experienced.
 
#29  
  Jane B
Porter Square Post Office
Cambridge, MA 02140

Complaint:
I am submitting here a copy of a letter I wrote to ATT Universal Card.  This company documents the date in which they send bills  BEFORE the bill is actually sent to the consumer by a separate carrier.  This company documents the date they received payment far later than the reasonable time the US post office would take to mail payment directly to company.  The result is a late fee.  This company does NOT have the bills they send POST MARKED.  I have received one bill charging me a late fee for a bill that was not paid on the prior month.  Yet the bill for the prior month for which I was charged a late fee arrived on the SAME DAY as the bill for the current month! In other words this company documents the date they send bills to a separate carrier who mails out their bills as the date they send them to the consumer.  However, the consumer is sent thier bill LATE because the separate carrier hired by ATT sends them late.  Likewise with how they document time a payment receiv!
ed.  They document the time they received it from their carrier whom they have HIRED to deliver payment LATE. Enclosed is a copy of my letter to them.  All interested may COPY the part of the letter I propose to send to the Attorney General as to cut down on practices to this sort of thing so they can charge consumers "late fees"

"To whom it may concern at AT&T Universal Card,

I am writing to alert you to a situation regarding how your company documents the TIME you receive consumer payment and the TIME you claim to mail out bills or receive them which I feel borders on a deceptive practice.  I am keeping documentation of all incidences where I am charged a "late fee" due to mail being sent to me, getting here far
in excess of the time you claim to have mailed a bill and the time it would have taken for the post office to deliver it to me.  It is my contention that your documentation of the time you mailed out a bill to me should reflect the TIME that bill was POST MARKED as going DIRECTLY to me from your company and NOT indirectly to me through an other
company you hire to mail out bills for.  This reflects a circumstance in which the company you hire to mail bills to consumers mails them BEYOND THE DATE your company documents the bill as being sent to the consumer. When  late fees to the consumer occur as a result of this practice, it can be construed that the practice is for the purpose of charging late fees, hence I feel it is one bordering on deception.

Here, I shall relay some incidences in which I was charged a late fee.
On Aug. 21, 2,004 I received a bill from ATT (due 2 Sept) charging me a LATE FEE for a bill I 'failed' to pay that was due on Aug 3. I assumed I 'forgot' to pay it and asked for it to be forgiven which it was. Later in the afternoon (same day) I received another bill that
was due on Aug. 3.  That was the bill I was charged a late fee for on the bill due Sept 21 BUT the bill due on Aug 3 came to me on Aug 21!  This bill was NOT post marked.

On October 25 when I got my bill in the mail, not only did I receive another late fee but "Anthony", operator #KYPHC40 told me this bill was mailed out to me on 14 Oct. The late fee reflected payment of a bill as  being received on October 7 in which payment was due on October 2.  Yet around the time of 22 August, I paid one bill and also another
in ADVANCE and received no bills from you during the month of  Sept.

It appears that even payment sent in ADVANCE for a bill that I know will incur during the next billing cycle is documented by your company as having come in 'late'.

On October 25, Anthony operator # KYPHC0 told me bills are mailed to consumers the SAME day the billing cycle ends. Yet another operator told me bills are mailed to the consumers the day after the billing cycle ends.  Discrepancy of information.

On October 25, my late fees were 'forgiven' (which are not my fault--they are your companies fault because your company hires carriers to mail out bills LATER then the time you document
them as being mailed and your company documents receipt of bills LATER then the time they are actually received by the company you hire to receive them for you.)

On October 25, I mailed payment for 2 billing cycles and paid $.90 for a certificate of mailing (copy enclosed) in the event you charge me another late fee for receiving it beyond 2 Nov in which it is due and also in the event that I do not receive a bill to be
mailed out by you on Nov 3 in a timely manner.

I have spoken to the post office official about this matter who informed me that it is a situation where sometimes a credit card company will employ another company to mail out bills, in which the bills are PURPOSELY mailed out LATE and in which the day they are actually mailed out is much later than the date the credit card company tells the
consumer it was mailed out and this is done for the purposed of charging the consumer a late fee and the company mailing out the bills is given "perks" for mailing out bills in an UNTIMELY fashion. This was the case with Capital 1.  This is coupled with a "wait time" in which the carrier the credit card company hires to forward mail to them, WAITS
an excess period of time to forward consumer payment to the credit card company and because of THAT a late fee is incurred.

The US POSTAL system mails things in a TIMELY manner and has encouraged me to alert the Attorney General to the corporate practices that would imply that the US POSTAL system is somehow at 'fault'. 

In my letter to the Attorney General, I shall
contend:

1: Documentation of when the consumer is told a bill is mailed should reflect WHEN that bill arrived at the US Post office to be mailed and NOT the date a company gave the mail to an independent mailing company to mail it for the company.

2: Documentation of when the company claims it received payment from the consumer should reflect a reasonable period of time reflecting  how long the US POSTAL system
would have taken to deliver mail from the consumer to the company. IF date documented as "received" from the company is far in excess of the time it usually takes the US Post to
deliver mail from the consumer DIRECTLY to the company AND the company hires a separate entity to pass along consumer payment to them AND the date the consumer is told the company "received" their bill is a date reflecting a time period in the interim of when the consumer sent it and when it was sent later to the company via an independent carrier AND the independent mailing carrier does NOT keep documentation of when the
original consumer bill was POST MARKED, No late fees to the consumer should incur.

3: Consumers getting late fees as a result of not being able to pay their bills on time BECAUSE a company CHOOSES to employ an other mailing company which mails out bills LATER than the date the company claims they "sent out the bills" should be alerted to these practices and have every late fee incurred as a result of those practices forgiven.

4: Companies PROFITING from "late fees" as a result of this practice should be investigated for FRAUD whether they profit from the late fees themselves or they profit from the occurrence of the consumer having to call them to forgive the late fees in which during this process, the consumer is engaged in buying another good or service from the
company.

I request that you forward my letter to a high ranking CORPORATE OFFICER for
review.
 
#30  
  Terry J
EmailAddress: tbjack@teleport.com

Complaint:
I received a balance transfer offer from my AT&T Universal Card at 4.99% duration.  I could use either the blue checks to transfer balances, or use the green check to deposit directly into my checking account.  In several places the offer notes: "get cash back up to your available credit limit".  On the check stub it notes "up to your available credit limit".  I looked online, noted my "available credit limit", and used the blue check.  The check was returned unpaid as I exceeded my "cash available limit", which is not my "credit limit" as noted available in the offer.

This is cleary a case of misrepresentation and has cost me two hundred dollars now in over draft fees.  AT&T offered me no help or relief.  They admitted this is a mistake commonly made, however will not be changing their wording of this offer.

BEWARE!!  Don't believe what you read and certainly join the crowd and cut up your "service unfriendly, rip off AT&T Universal Card".
 
#31  
  B. Mac
Orlando Florida

Complaint: This is another in a long list of complaints against AT&T/Citibank credit-cards.  Although my complaint is not monetary it is non-the-less irritating and time-consuming.  In using people's time they are, in effect costing us money.  I was sent a fraudulent letter from AT&T Universal Card requesting me to contact them.  They stated that they wanted input on how they could make their credit-card services better.  They also stated if you called to help them in their quest to create a better credit-card for us, they would make it "worth your while".  As I had some very distinctive ideas as to how they could improve their services, I contacted the number in the letter.  The first number called 1-800-249-4457, kept me on hold for a considerable amount of time.  When I finally got a person to answer, they asked information and said that they were sorry but I needed to call another number but that they could help me.  I asked at that time if in fact it was a legitimate pole and not just some ploy to sell something.  The next number 1-800-423-4343 was the same.  I was on hold for quite some time and when I did get to speak to someone the only wanted me to "Upgrade" to another version of their card.  That was how they were going to make it "worth my while".  Only thing was they never even asked about my suggestions.  It was simply a ploy to waste about 30 min. of my time.  Since I was angry at this point, I asked to speak to a supervisor.  I spoke to Beth #1979, who basically did absolutely nothing.  She simply continued to offer me upgrades.  When I told her what they were doing constituted fraud by leading people to believe they could help when all they wanted to do was to get you to submit to a sales call.  The "Do-not call " list was created for a reason and although this has considerably cut down on the avenues to force sales calls down our throats, writing a fraudulent letter to get people to call you, so you can attempt to disguise a sales call as a plea for help through the form of a poll can only irritate your existing customers and force them to become EX-customers!  I have too many other cards, and offers every day for more to put up with this scam.  The only avenue offered was to write a letter of complaint to Mr. Larson at P.O. Box 6500 Sioux, South Dakota 57117.  As just about every other letter of compliant I have found pertaining to this company has stated that they spoke to MR or MS or MRS Larson, I suspect that any letter addresses to any Larson is simply a code for a complaint and file "13" (The Trash).  Good to know that they think we are that stupid.  Well this is one stupid customer who will no longer be a customer.  I will speak with the loudest voice I know-My wallet!
 
#32  
  Mary J Arenas
Los Angeles, CA

Complaint:
1. I just spoke with a supervisor with ATT Universal Card within the past hour...and the overall outcome is "I'M SCREWED and I am not getting the high interest rate fees I have been paying back."

2. True to the fact that I am the one at fault for not paying notice to the high APR; I blame myself for that...!

3. Initial Situation: Period of Sept and Oct 2004 - First noticed my horrifying APR increase on my Sept 04 invoice statement which was at 28.240% with a note that it will decrease; of course that was weeks after my made my payment on that invoice.  A couple of days after my shock I noticed that it didn't decrease but rather increased to 28.490%.  Just imagine with my balance of over $13,000 and that high interest rate what my finance fees were!  Ouch!

4. That day when I received my e-mail notification that my statement was available and I had gone online and noticed that the APR had increased to 28.490% instead and that's when I contacted ATT via phone and e-mails and I was notified the reason why.  Their explanation was that the company had done a routine credit check and apparently (Transunion) noted that I was in default with another creditor, and of course, ATT would not tell me which creditor that was but did tell me which credit bureau reported that information.  I ordered my credit reports from all three agencies...not one showed any negativity and I knew that would be the case with exception to one account with Victoria's Secret in which I was 30-days late in June 1998 which is prior to when I ever had this credit card.  I called Transunion and the customer rep also agreed with me that there is no negative remarks on my credit report.

5. I've been in contact with ATT again and they had lowered my interest rate.  I have basically paid this account off in full within less than a one month time frame.

6. ATT did refund me back for the difference in finance charges for that current month that I took action which was $70 but that was with a balance of $1500 +/- (again imagine having the balance of $13,000 +/- and the interest rate fee I was paying (in which I should have paid if I looked more closely at my monthly statement) times give or take six months).

7. My main concern is getting a refund back for those six months of interest rate fees that I have paid.

8. A Rep by the name of Tee whom I spoke with on the 19th of Oct 2004 suggested I mail in my letter with an explanation.  I also included copies of my statements which I had to reorder from ATT since I did not keep copies on file and since I made the assumption that I can obtain it online when ever I needed to, which of course was not the case.  I had also included a copy of my credit report, specifically from TransUnion.

9. I waited to mail my letter of explanation on the 5th of November until I had everything I needed to send.  Two weeks or so after the initial transmission letter my mail, I called to follow-up to make sure they received the letter...and ATT noted "YES!" and that I should receive an explanation of the final outcome after their review.

10. I made several attempts by phone as well as by e-mail to follow-up on this situation.  Same answer of course, "They are still review my file."

11. About two weeks prior to the end of 2004, I called and a rep answered noting that my files is still being reviewed and in Arbitration...which of course I wasn't quite sure what he really meant and that I should call back in two to three weeks and they should have an answer for me.

12. During my lunch break I called ATT again to get an update.  The rep, Mark, basically said that I will not be refunded and that I have been refunded $62.00 +/- already (it was about $70 odd dollars).  I was not satisfied and he transferred me to a supervisor, who's name escapes me.  She noted (1) was have already been refunded an amount for the interest rate fees ($70 +/-); (2) there is no record that we ever received a letter from you (even though the reps I've previously spoken with noted that they have received my letter of Nov. 5, 2004); (3) she apologized that the rep I had spoken with in December made an incorrect suggestion that it was in arbitration; and (4) there is noting they can do and they cannot refund those amount for the time period that I am concerned about and that I should have taken care of that back then and I did tell her that I would have should I noticed it back then.  In reality, and I must note that she did not say it in these exact words..."You're basically screwed and you will not get a refund of your money back!"

This whole credit card situation I am experiencing right now has made me so aware of how awful these credit card companies are.  I made it a vow to myself that I am going out of debt this year.  I am an unmarried mother of two toddler girls...and I'm sure some of you can understand how hard financially hard it is to raise two kids whether it is with one income or two incomes.  I am sure you can understand why this is bothering me so much because we could really use that money back!  I do intend to pursue this...I know I am screwed and I will not get my money back but as I have said I do intend to make the Better Business Bureau, the California State Attorney General, as well as other officials and websites such as this aware of what I am going through even though I know that I will not be reimbursed for my interest fees.  The feeling that I am getting this information out will make me feel at ease.  Right now I am still a bit of a wreck because of this situation but I know that it will eventually subside in the next few months will I will finally be out of debt.

My best advice...GET OUT OF DEBT...SEARCH FOR A BETTER CREDIT CARD COMPANY IF YOU NEED TO HAVE A CREDIT CARD...IF YOU DO YOUR BANKING ONLINE MAKE SURE YOU CHECK EVERY SINGLE TRANSACTION AND STAY INFORMED ABOUT YOUR ACCOUNT ESPECIALLY YOUR INTEREST RATE, PRINT OUT EVERY SINGLE STATEMENT AND SAVE A COPY ON YOUR COMPUTER AND AVOID THE MISTAKES I MADE...AND THE NUMBER 1 ADVISE I CAN OFFER IS TO AVOID ATT UNIVERSAL CARD LIKE THE PLAGUE!!!!

I just cancelled my credit card just this minute.  Maybe I should have cancelled it when I made my last and final payment but I kept it open with the idea in mind that I probably needed to and that it was the best thing to do should I have been refunded those interest fees.  When I spoke with the rep. Diane she asked why I am closing the account, I simply and politely told her..."your company are crooks!"  She of course, responded, "Your company or mine?" and that she was going to transfer me to another dept. that would handle my situation.  Do they really hire the most incompetent people?  Why couldn't she handle it herself...which in the end when the other dept. was busy with other calls she did close the account.  I have respect for people having to work in the lowest of the low jobs such as for these credit cards companies...people have to do what they have to do in order to survive but I do pity them for working for these awful companies.  Like I politely mentioned to the rep.  Diane, I hope she enjoys working for those crooks!

Thanks for taking the time to read this!
 
 
#33  
  Anonymous:

Complaint:
I haven't used my AT&T Universal Card for purchases for some time.  I was surprised to see a $119.00 charge and called the toll-free number that was listed on my bill.  I was told that I ordered this special travel service through AT&T Universal Card in 1999.  I had no knowledge of ever ordering anything of the like and never received any materials on it.  I asked how much they have billed since 1999, and they told me over $600!  They said I apparently accepted the offer on a trial basis, and never cancelled within the 30 day grace period.  I demanded a full credit for the amount they billed me since 1999, and they credited me.

A few weeks later I received my next invoice and noticed that they lowered my credit limit significantly.

What a way to treat a loyal customer, don't you think?
 
#34  
  Jennifer W.
San Antonio, TX
EmailAddress: emailjenniffer@yahoo.com

Complaint:
I HAVE HAD IT WITH AT&T UNIVERSAL CARD. I AM CONSIDERING A CLASS ACTION LAWSUIT BUT NEED HELP FROM OTHERS THAT HAVE THE SAME SITUATION AS ME. THIS IS MY STORY:

I have had the card for 5 years. I got into financial trouble after losing my job in March 2003. I was out of work for close to 3 months. I called Universal Card to ask if I could defer ONE MONTH of payments so I can get back on my feet after starting a part-time job, while still seeking full-time. I was told of a payment program by a rep there. It was explained to me as this:

The program is for 12 months. No interest, no fees during that time will be accrued on your account. The minimum payment, $135, will be automatically debited from your account each month. If you bounce one payment the program expires.

I signed up. Who wouldn't? My balance at that time was approx $11,000. All 12 payments were made on time, never a problem. The program expired, and I recieved a bill. The minimum due was over $500. MINIMUM. I called, very confused and distraught, to ask why and if something could be done. That's when it was explained that the interest was "defered" no waived during that program. Had I known that it would be tacked on in the end, I would not have agreed to that program. I was also informed that my rate was now 29.99%. I about had a heart attack . I asked if they could lower that to something more manageable. I was told "NO", belittled, told "you made your debt problem, now deal with it." I made the minimum payment so not to hurt my credit. After making the payment, I called and spoke to another rep. I asked the same question, lower the rate please. No. I asked to talk with a supervisor, I got more attitude from them than the first rep.

My most recent payment minimum due was $740. I am now over the limit because of interest. My minimum due is all interest, with the exception of $5. I keep struggling so not to damage my credit. My rate is still 29.99%. The refuse to send me back statements from when I started the program. They refuse to lower my rate. I am hung up on by "supervisors" when the call escalates to them, or transfered to the collections department even though I am not late. I can not get anywhere with them. Tonight alone I called 4 times, was hung up on twice, and transfered I don't know how many times to people who were misinformed of my want. The reps don't listen,lie to you, misinform you,  don't help, and do just about everything possible to make you upset.

I could go on and on with this story. Please contact me if you like. I am consulting an attorney next week (feb 2005) to see what, if anything, can be done and how costly it will be for me. I regret the say I took this card. My email is above, please lable the subject line as AT&T card. Thank you for taking the time to listen.
 
#35  
  EmailAddress: hardy.t@sbcglobal.net

Complaint:
March 9, 2005

ADVISE:  DO NOT USE AT&T UNIVERSAL CARD

-I have excellent credit.
-I transferred higher rates to Universal Card @ 2.9% in 11/04.
-In January 2005, AT&T increased rate to 24.99% on a $10,000 balance.
-The entire $200 payment all went to interest.
-AT&T returned the rate this month to 2.9%, but would not refund the interest charged. (I am afraid of what it will do this month).
-Their new TRICK, which is in fine print, in the disclosure is they are able to revert your rate to the default rate if there is something they feel has changed in your credit history.
-Basically, I just bought a new home, but I still pay on time.

ADVISE-GET OUT OF DEBT!!!!!!!  DEFINITELY DON'T KEEP USING AT&T UNIVERSAL CARD!!!  I HAVE CANCELED THIS CARD AND WILL BE PAYING IT OFF IMMEDIATELY!!!!
 
#36  
  J Wright
San Antonio TX
EmailAddress: emailjenniffer@yahoo.com

Complaint:
I previously posted my complaint on this site and would like to give all of those out there who are being taken advantage of by AT&T/Citi cards to contact the Comptroller of the Currency and make them aware of your situation. Below is the Consumer Complaint email address to the Comptroller. Tell them your story, and they will do their best to help you if the case is valid. They helped me get my rate back to Prine+ 4.99% for the life of the balance. The response was fast, I would say within a week of filing my complaint online I had a case open with the Comptroller and a week after that a call from AT&T Universal Card.

Please tell the Comptroller of your situation, lets all work as consumers to try to keep these jokers from acting as "God" when it comes to our finances!

Here is the Comptrollers email address...and also, don't hesitate to email me with your results. I would love to hear them if your want to share.

       Customer.Assistance@occ.treas.gov
 
#37  
  Tom
Mississippi

Complaint:
My complaint against AT&T Universal Card began with a disputed medical bill from a recent surgery.  The medical facility reported me to the credit bureau, which I was unaware of until AT&T suddenly increased the interest rate on my credit card to 29.49% AND lowered my credit limit to below the existing balance of my account.  In addition to dramatically increasing my monthly payment, it caused AT&T Universal to call me on a monthly basis to notify me that I was over my limit.  Note that I have never missed or made a late payment to AT&T Universal Card.

Upon calling AT&T Universal they informed me that this was done because of a negative credit report (I.E. the medical bill).  They refused to tell me what the report said or what company had reported it.  I requested that they reduce the interest rate and they refused.

I called AT&T Universal Card to get a pay-off amount, which they also refused to give me.  I asked to speak to management or a number to call for management and they again refused to supply me with a number or transfer the call.  Only one of the six or seven persons that I spoke to was courteous, the rest were curt and sarcastic.  I finally called CitiCard and spoke to a supervisor, and was given a pay-off amount.  I was told that they do not have to abide by the same rules as "normal" loans required of other national lenders because they "are based in South Dakota." 

My AT&T card, as well as all of my credit cards are now paid off.  I will never do business with AT&T Credit, long distance or purchase anything else that they offer to sell.  I was a charter cardholder, and Internet user. Additionally, I have done business with their long distance end for more than 30 years now.  They have lost one of their loyal customers permanently. I suggest that anyone reading this complaint NOT do business with AT&T or CitiBank and pay off and discontinue use of their credit cards as I have.

Tom
Mississippi
 
 
  Anonymous
EmailAddress: sbshell@peoplepc.com

Complaint:
BEWARE AT&T & CITI CREDIT CARDS
Two months ago,I got my AT&T card statement in which my  interest rate had been raised, when I inquired as to why, I was told I had been late on my last payment. I had mailed my payment 7 days before the due date.thinking it would be on time as I had done previously. I asked them if they had started holding payments to cause them to be late. the customer service rep. said oh no, they could not legally do that. After,some conversation, AT&T agreed to take off the late fee and adjust my interest rate.  The very next month. I got my CITI credit card statement with a big  increase in my interest rate. I had always paid on time and I called to inquire why,They said that because  I had been late on my AT&T card of which they also owned, The interest was also raised on that card also. I tried to explain to the person at CITI ,the situation with my AT&T card and that they had agreed to take off the late
fee and lower the interest rate back to where it was. The person told
me that she would have to get an approval from a supervisor to lower my rate back to normal on the CITI card,and it would reflect on my next statement if approved. Well ,I got my April,2005 statement from CITI,the payment  was due on April 25,I mailed a check on April 4 to be sure it got there in plenty of time. Today,April l9, I got the payment back,stating no such address (PLEASE NOTE THIS WAS THE PAYMENT FORM WITH THEIR ADDRESS ALREADY PRINTED ON IT IN THEIR OWN ENVELOPE.)I called imediately to CITI, and told them I had never had a check returned in an envelope with their address already printed on it! At first, the representive Acted as if she could not understand what happened. She later told me she had a new address that she had been told about. She did give me a new address to mail the payment to, but that would have made my payment late! I had to do the quick pay on the phone with her takin g the payment directly out of my account. She than said she would waiver, th!
e $l6. fee for the direct pay.  I am so afraid now of being late and getting the interst rates raised on both of my cards, AT&T & CITI. I have always tried to pay my bills on time.  These two companies
are trying to get me as well as many others.  Please we have to stop this fraud!!! Let me know what we can do!!  Hope this information can help someone else.
 
 
  Citi-Killa
Vermont
Complaint_against: ATT Universal+Citicard

Complaint:
Yep... I've had the same "slow processing" problem for a payment as I've seen mentioned here.  You know... when it suddenly takes a week or more for a payment to clear from when you mailed it, whereas previously it always went through the mail quickly and was processed in like 2 days.  Then, you get the late charge.  Then, your rate goes to 29.9%, and if you have a Citi card, THAT one goes up to 29.9% TOO.  This is not an "accident".  This is a coherent, willfull policy being implemented by the CEOs/management of these companies, to put the squeeze on consumers who are maxed on debt.  This is in fact, criminal conspiracy on a nationwide scale.

29.9% on a combined balance of over $30000 is UNPAYABLE on a standard job these days, factoring living expenses.  Besides complaining to appropriate authorities to try and put these criminals in their place, I'm filing for Chapetr 7 bankruptcy.  Let them eat cake.  That ought to catch their attention!  Don't send in the payments for a month or two, and use the money for a lawyer to file the bankruptcy (or file it yourself).  Research it... see how it would apply to your situation.  "They" could be reasonable, and the money'd keep flowing in, but they're greeedy thieves who want it all and then some more.  I've never had any qualm about paying my bills before, but I won't ever send them another dime now that they are financially raping me.

You know, they can't sue EVERYBODY.  And, the courts can only handle SO MANY cases... clog away!
 
 
  Clyde D Beaty
507 Bailey Ave
San Antonio, TX 78210-4101
Phone: 210 000 0000
EmailAddress: cbeaty@sbcglobal.net

Complaint_against: Citibank South Dakota as AT&T Universal Credit Card

Complaint: I have recd suing papers for appx $6000 of charges and costs I have on AT&T Universal Credit Card- they lie! I have not and still don't receive any bills, statements, letters etc re dues etc- Coincidentally another Credit Card I had(Sears Master) was turned over to Citibank and I can not and have not recd any bills statements nor demands for payments. I followed Mundis' recommendations way back in probly 2002 or 2003 tore up and burnt all my credit cards and decided, and want to get all of the debts I incurred paid off- My life and sobriety and sanity depend on my being fully responsible and making amends for errors and mistakes I have made, and I sometimes wonder if some of the brain damage and loss of brains I have from gunshot wounds in Korean war aren't cause for my stupidity and not looking through before I ran up 48,000 debt on cards even though I have accounting and business degrees, Masters' work and a couple other degrees( what do illiterates do in this s!
hit?? Never once did I calculate what these charges could and did come to from the low attractive rates and give aways and minimum payments I could have kept and treied to, but got only deeper in debt- I tried consolidating- that was expensive and again on some of my debts after 9 months and over 6000 paid consolidators- I was even deeper in debt! So I have tried to pay enough to forestall any court doings, and concentrate all can on one account- which I have done and paid off at least one of my accounts- and in March while in hospital for knee replacement surgery and therapy I wrote all of companies(and lawyers that now have my debts(five of em but cant get a response or address or bill fromtwo of them and I was not getting any from Citibank re AT&T- so I came to conclusion maybe just written off as bad debt and non collectable- partic when it is c0nsidered re my only income and hand to mouth existence on Veterans Disability Comp for 100% SC diability, and a small Social Se!
curity Old age pension( both "Judgement proof"! House I have mortgage on is under Texas laws homesteaded- granting that a lien could be put on my deed if ever sold the house or it goes in to estate or my daughter--I'd like to avoid the court and judgement by default and have so written Citibank and offered to send them ( and I'll even set up autodeduct in my bank account) 400.00 per month while if can find where to send ( I know two: attornies in Mass collecting on a Fleet Acct and Peoples Bank I know where they are and send them 60.00 ea, each monthe, and would send pmnts for my Sears and Providian debts if knew where!! I am in trouble for me because I havce not followed Mundis' advice re "Get Out Of Debt and Stay Out of Debt and live prosperously" keeping and maintaining spending plans, correspondence logs and notes re attempts to contact and using certified mail- to fight or at least get a court to permit and accept my paying the debt off as best I can--but sh---- it seem!
s I can't get through to Citibank to make any offers- I can't use phones as go crazy and frustrated and throw phones through walls etc- If you have credit card debts, I say we must recognize they are ruthless, in the right as they write the laws and rules- and blood sucking attornies get rich- that's a complaint I have re the suit: I get hit for attorney fees and they are staed to be at 1500.00! The greed and gouging goes on!!!!Get a copy of Mundis' book and follow his recommendations re records etc.. I didnt! and though allwas going well as was not receiving any mails at all re AT&T Universal Card!!! even if papers served say I have have!!!!
 
 
  Iliena Serrano

Complaint_against: AT&T Universal Card

Complaint:
I had been a loyal client for 10yrs for THIS card co.
So when I got sick this past year and was able to pay until May and asked two customer
reps as well as the collection supervior if the date could change from the 7th of June to the 15th. I was not only told that was utterly impossible,  but was talked to in such a NASTY manner. I was irate and asked to speak to a Supervisor in which I was told that "they don't take calls on the floor" (by a rep called Brenda).
The other Customer Rep (if they can call themselves that!) I talked to had also informed me, which I was not aware of until I called again (for the 4th time) that my account had already closed. Not only that, but that I would continue to acrew late fees AND interest!! Even though I'm not using the card!!
So, my husband and I are contemplating on filing bankruptcy, so that I can focus solely on my student loans.. I don't have a lot of bills and all my fees (notwithstanding the student loan). Add up to 6,000 dollars, but with hospital bills gaining up as well, who knows where this could go.
I just hope that this company as well as others that have done ill by the customer will suffer a similar fate of being treated with malicious contempt and disdain by its current and former customers.
 
 
  Anonymous
EmailAddress: CrazyColl77@aol.com
Complaint_against: AT&T Universal Card/Citibank

Complaint:
They told me I am responsible for fraudulent charges.  I never had a cell phone and I have proof that I never did.  AT&T/Citibank refuse to give me money back.  They had 2 collection agencies after me Surpas and Debt One.  They are telling me I am responsible for Progressive Car Insurance, AT&T Wireless for a Cell Phone, and Northfolk Collections.  I have been fighting this for a long time and when I called Citibank to Complain about the nasty collection agencies they did not want to hear it.  The Assets Sales Dept is nasty and rude.  They also told me that they do not have a corporate office and I woiuld be a laughting stock accourding to JL, KW, BR, TA, SS, and LP. 

The legal dept said I authorized these charges and never did.  She also told me if I have a complaint about her to tell the BBB or Attorney General and if I call Citibank at all she was going to arrest me.  LP has a nasty attitude and they also have people signing affidavit saying that they are notaries and they are not.  There is no commision # on the paper or their named typed up.  Please help me in this matter to tell me what to do.  Please email me about this to help me out resolve this nasty company.

My email is CrazyColl77@aol.com

Colleen
 
 
 

David Seely
459 Old Charlotte Pike
Pegram, TN 37143
rainmountainmist@netscape.net

AT&T Universal Card from Citibank

My complaint is about: improper handling of billing disputes; giving false information; and not responding to specific questions. Both my wife and I have had several legitimate billing disputes where AT&T/Citibank always took the merchant’s side, in spite of all the evidence we provided to support our claims. The following describes one such dispute.
In September 2004 my AT&T credit card was lost, and I also had a billing dispute on a charge that occurred just before the card was lost ($319.78 from Tom Bannen Chevrolet). Customer service did not tell me that these were two separate issues to be handled by two separate departments. They only sent me the paperwork for the security department, and they handled the billing dispute as a fraud investigation. (I was not aware of the difference at the time).  Later I called to inquire if I needed to do anything further regarding the disputed charge, and was told that everything was fine.
In January 2005 Citibank put the charge back on my card (technically not a fraudulent charge in the first place). They did nothing about my dispute on the same charge. When I called I was told that the time limit to do a billing dispute was past. (Despite the fact that I notified Citibank when the charge first occurred, and Citibank sent me the wrong paperwork then). After calling a few more times they agreed to dispute the charge, and I sent in the necessary paperwork.
The basis of this dispute was that I did not agree to this charge, as it was much higher than the previously agreed amount. I had ample evidence to support my claim. I gave my credit card to the merchant on the phone, but when I realized they had overcharged I refused to sign the card authorization. Citibank first told me that since I did not sign for it they can dispute it as an unauthorized charge.
In my previous experience with billing disputes, a charge authorization is not complete until the cardholder signs it. Even though Citibank has stated the same thing both verbally and in writing, now they are refusing to credit the charge because I released my card number to the merchant. According to that logic, a merchant can charge any amount they please and the cardholder has no protection.
Incidentally, this is the last reason they gave for not crediting the charge. Earlier they gave other excuses such as the time limit was past or that the merchant said this was a legitimate charge. I sent rebuttals to each denial, with evidence. They started just refusing my claim without giving a reason, and finally not responding at all.
When I sent several rebuttal letters arguing specific points, I either got no reply or only received form letters with no explanation. When I called they would not give me the name of the person handling the dispute, and the people who answer the phone don’t know any detail about the specific dispute. In my last letter I pointed out where they had violated several rules in the fair credit billing act, but got no response.  I finally wrote to the president of Citibank, who didn’t help either.

I would be very happy to join a class action suit against AT&T/Citibank.

 
 
  Tom
Los Angeles, CA
Complaint_against: AT&T Universal

Complaint:
Wow. So just had a bad experience with AT&T Universal.

I had my card with them for awhile, basically just bc I had a big line of credit and I used them as a clearing house for when I'd do balance tranfers. For the longest time I only had like a $400 balance and just had their websites autopay running to debit my bank account the minimum payment, usually $10 or something like that.

Anyway, I just had a large balance transferred over, then paid it off fully with a low interest balance tranfer check from another company. After that I decided I was just going to cancel it, which I did on 6/28 when I had a balance of $0.00.

So today I'm checking my BofA balance online, only to see that I had a $352 autopay withdrawal, which I found very confusing. Took me awhile until I realized that it was from AT&T Universal. How they managed to conduct an autopay from a closed account, let alone one that's autopay was set to pay only the minimum (which with a balance of $0.00 you'd think the min. would be $0.00, and not $352.00) don't ask me.

Now mind you, I work for a bank so I know what sorts of crazy regulations bank's are held too and what horrific violation they were in of them. I talk to first customer service rep, she clearly realizes they f'd up big time, and basically won't let me complain, yells at me and asks if I want my money back, they'll mail it to me in 14 business days. Now I'm not destitute, but when you take $352 from my bank account in a 0.05 second wire tranfser, I'd like in back in more than 14 days. Of course, before I could say anything she literally hung up on me.

I called back and got another rep, who was actually somewhat better. But after explaining to him the situation, he put me on hold, comes back and says its more like 7-14 business days, as if this was going to make me happy. I told him it was still totally unacceptable and they would have to wire the money back to my account or expedite the check. He of course was of no help from then on, saying it was *my* fault that I didn't cancel the autopay. Umm, yeah, but I cancelled THE FRIGGIN CARD and I had NO BALANCE, so how could you take $352 from me? He had no answer.

I told him I was going to file a complaint tomorrow with the OTS (which is the government body that regulates FSBs -- that is the type of bank that the Citibank running AT&T Universal Cards is) and see if that wouldn't somehow expedite me getting my money back. He said go ahead & have a nice day.

I strongly urge anyone who has had issues with them to complain directed to the OTS.
 
 
  Sean
EmailAddress: Mysticlad@yahoo.com
Complaint_against: AT&T Mastercards

Complaint:
AT&T Mastercard jacked my rate to 30% after I moved homes and missed
a payment of $21.00 due to the USPS!  When called they said they could do nothing about it. I had to make six payments on time before the rate would come down.  Real friendly, Citibank and AT&T just shells of companies from the past! I have had the card for 5 years and never missed a payment, when and if I used it.  They were unresponsive and quite glib.  I closed the account today.  Too many better cards out there!  Bright move AT&T!  How many customers can you afford to lose?
 
 
  Barbara Doe Customer
Mobile, Al
Complaint_against: AT&T Univeral Card

Complaint:
Today I called AT&T Univeral Card's Customer Service No. at 1-800-423-XXXX.   Both the Customer Rep. and her Manager were both like robots, neither without a brain, and kept repeating the same statement that they could not reveal my wife's account information for security reasons.

I explained that I had all that account information directing in front of me so there was there was nothing they needed to reveal.  They said they could not talk to me that my wife would have to call.

I said fine, but then let me then just ask you a generic question about how you compute finance charges on an unpaid balance.  The next thing I heard was a click - THE EXTREMELY RUDE manager HUNG UP on me.

The problem started back last January 2005, when my wife tried to order a purse over the internet.  The merchant not only never sent the purse but also made 2 additional fraudulent charges to the credit card.

It has taken over 8 months to resolve this issue and they continued to charge finance charges on the upaid balance for the fradulent charges.

Because of the EXTREMELY POOR AND RUDE CUSTOMER SERVICE - I WOULD NOT RECOMMEND AT&T Univeral Card to anyone.
 
 
  Denise
Patchogue, New York
Phone: ddarling@nickersoncorp.com

Complaint_against: AT & T Universal Card

Complaint: Very rude and "huh, where I'm I?" mentality. AT & T messed up on not sending the last 2 statements to my address because they had my old address from a year ago. Though the the 10 months before this incident the statements were coming on time. I call and talked to some one extremly rude and she said "statements in the mail." 2 weeks after that I call "statements in the mail." I wanted to pay by phone........$14.95 would have been charged to my card plus a 29.00 late fee. Wait a minute, not my fault. My card is a frozen account and haven't used it in years which is the sad part. Something has to be done but where do you start. If anyone has any suggestions, I left my email. 
 
 
  enraged consumer
Complaint_against: AT&T Universal Card

Complaint:
I am SO angry with this company, so I shot off this letter to them, and as stated, I am telling everyone I can.

AT&T Universal Card
P.O. Box 44167
Jacksonville, FL 32231-4167

Dear ATT Universal Card,

Your greedy exploitative policies disgust me. 

After carrying a $6000. balance for 4 years, during which time you gladly accepted the thousands I've paid in late fees, over limit fees and your exorbitant penalty interest rate of 29.99%, I was finally able to pay a large portion of my balance down. I was looking forward to the improvement in my credit score.

However, you quickly responded by immediately lowering my credit limit to $3120, ostensibly to punish me for having been 30 days late once in the last six month period.  Who do you think you are fooling?  Your trick has worked perfectly. Now that I managed to get the balance down, you implement a lower credit limit that virtually insured that I would be over the limit within the next billing cycle, after having just paid down my account by $3000.  Another $29. for you,and I'm quite sure you are hoping that it will stay that way for as many months as possible.  Not to mention that my credit score will remain as low as possible in order to provide your company with the justification for charging outrageous interest rates.What a scam.

How thrilled you must be to keep people in debt as you suck every last penny you can from each consumer.

Please be assured that as soon as I pay off this debt, I am closing my account and will NEVER do business with your company again. 

I know all about my responsibilities to pay off debts, but I also know how you victimize your account holders with these kinds of tactics.  I am telling everyone I know about your predatory and unconscionable methods of 'risk management'.  I am going to report this unfair treatment to every consumer watchdog organization around, as well.

I consider you  just another nameless faceless corporate entity, yet an actual human being must be involved in making these policies.  Hook the consumer on credit, then screw them over and over and over.
Sincerely,
 
 
  Dissatisfied Customer
Complaint_against: AT&T Universal Card

Complaint:
I am definitely discontinuing my AT&T Universal as well as my Citibank credit cards.  They tend to make a lot of promises but don't actually deliver.  Their customer service is extremely poor, for lack of a better word.  And the billing dispute department is absolutely horrible.  I found them to be especially unprofessional when it comes to applying the special rule for credit card purchases, which states that "If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods and services."  (The only reason I use a credit card is because of this special protection.  If I can't put a stop payment on bad service or on something that was promised but not delivered, I might as well pay cash.)  But AT&T Universal Card billing dispute department pretends this special rule does not exist.  They are telling me: yo!
u signed the credit slip, which we interpret as you accepting the goods or services, therefore, you must pay the charges, or try to resolve your dispute with the merchant, our hands are tied.  However, ascertaining whether you got from the merchant what you agreed upon (the quality, quantity, timeliness, etc.) becomes possible later on, when you actually attempt to use the goods or services, not when you are signing the credit slip.
Of course, I tried to resolve this issue with the merchant.  I have contacted the merchant in writing but received no response, not even an acknowledgement, whatsoever.   The next logical step is to have a credit card put a stop payment on this charge.  But AT&T Universal wouldn't do it.  Talking to their billing dispute people is like talking to a brick wall. 
 
 
  eula patterson
andrews n.c.
EmailAddress: eulapatterson@yahoo.com
Complaint_against: at+t and citi bank

Complaint: i think i have the complaints. i had a 2,000 limit on at+t credit card i had it paid down to 1,000 or 1200 when i had a broken leg i got behind and they told me i could send 30.00 at a time.this was a collection agency. while i was getting back on my feet. i didnt get any credit for this so i sent 200.00. i started looking at my bills they started charging 150.00 over the limit and fines so i quit paying. i could get nothing resolved. as it stan