bad credit cards

Sometimes, we just can't find a place for complaints, so therefore, this page.

hillsboro or 97123
Complaint_against: collectors

Complaint: i have worked since i was 14. paid all my bills on time even though at times i was very poor, especially during college years. had some issues when i became disabled at 23, paying student loans, had them forgiven, still went back to work and school part time, without loans, thru voc-rehab. i often worked in non-profits helping people, so i never made very much, but- i always paid my bills and managed my money. when i had a lump sum come in, i didnt blow it, i paid off bills with it. as a result, at the time of my last marriage, at age 40, i had excellent credit, despite having fairly low income. 4 months into my marriage, i was in a serious car accident- my first accident. i was seriously disabled and unable to work for quite awhile. my husband left me with no money and all of the bills. i thought i would recover and tried to keep head above water by paying bills w credit while i waited to get on disability, and when i was, i thought, able, i started working from home doing customer service, keeping payments current on all bills, including credit cards. pain from injuries and illness from internal injuries made for several stops and starts working over a year and a half, each time with a zero-income gap before getting back on ssi. finally, my drs told me i had to stop working altogether. even on my very low ssi income, i managed to keep all payments current, until entering a "credit repair" program in 2007 that advised me to stop making payments to the 4 creditors from 2005/06 that were outstanding, and pay only current bills, as well as pay their (outlandish) fee, and they would handle the creditors and negotiate for me. i paid then 1/3 of my barely 600/month income for 4 months, living on rice and beans, cutting tv and other services, slashing other costs, for exactly nothing in exchange, before realizing i had been scammed. by that time, collectors were refusing to accept less than 100 dollar or more minimum payments each. in fall 07 i was hit by a car crossing the street in my wheelchair, and very much more seriously injured and since that time live in assisted living. 2 years later i am still being hounded, and i am polite and honest about my situation and called a liar by one woman for a certain agency because she would call right at 8 am before i was fully awake and i would try to add my two checks together and sometimes i got numbers slightly wrong- 637 instead of 641. i offered repeatedly to pay 25/month, which in all honesty would be what could pay. so she called me "an outright liar" a "scam artist" and a "fraud" and threatened repeatedly to have criminal charges filed against me. she and other collectors have accused me of "willfully refusing" to pay my debts, committing fraud in obtaining credit, being an habitual deadbeat, hiding income from the government- because nobody could live on what i live on (!) while in the same breath asserting trhat my income was more than enough to make 350/month payments. i live very frugally to pay all the bills and debts i can. i feel horrible that i have thosre outstanding debts. i di not need to be called 5-6 times a day to be reminded of my obligations or asked if i have decided to stop being a deadbeat between 8am and 4pm in the same day. i have followed advice and sent certified letters to the companies and still gotten multiple calls, only to be told that i sent to wrong office, so fcc or whatever regulations null and void. i have blocked numbers only to have callers numbers changed same day. up to 10 numbers for same collection company. i was making 25/month payments on the smallest- a 500 dollar debt that somehow is now over 1200 (!) although my credit report said it was discharged as 500. my bank account was closed after the third payment because of ex-husband's shenanigans, and this collector will ONLY accept electronic checks... These agents call and laugh at my explanation and- being in the new york/new jersey area- offered to s! ee me the brooklyn bridge. so to those who claim to work as csr's for collections and advise to simply tell truth and work with collectors- i would love to work with your company's lol. unfortunately, however, the ones i've run into are way less scrupulous: So, Ms ---- when are you gonna pay us? you been holdin out 3 years, livin it up.-um not exactly living it up ma'am. i'm disabled, in wheelchair, in assisted living, making just over 600/month. you know how hard that is these days?- oh yeah, when i got married i supported husband in college and two babies on 650/month so don't cry poor to me, you're just one person makin that much! -Ma'am, may i ask, what year that was...? -this isn't about me, this is about your willing refusal to pay on your responsibilities. do you honestly want us to take you to court? we'll take your disability away, your wheelchair, your meds and toothbrush and every last thing you own... [- they lie- ssi/ssdi can only be garnished for certain government debts, yet nearly all collectors tell me they can get it taken from me] honestly? i am at the point where these calls have me suicidal. my life is painful enough physically, i really don't need the harassment and nothing i do seems to stop it. and if i die- nobody gets paid nuthin :D

Complaint_against: YES LOANS

Complaint: I started working down Yes Loans on 7th Jan 2008 where i was trained for a week then put into my week in hand, i had to wait 3 weeks before my first pay! Throughout the time i was working for them they passed me around to different departments even one i had never been trained on but most of us put up with it due to good pay for most of us young people with no qualifications so we was taken advantage of. Hitting summer last year approaching the credit crunch everything started going mad managers requests from Keith (Wilton) Chorlton the main boss to start making us work overtime over wise we get threatened the sack, not the overtime that bothered me it was the fact we didn’t get paid for any of it. Normal shifts 9-5.30pm they made us work 9-8pm everyday, Saturdays occasional Sunday, and even bank holiday Monday! If anyone had a complaint about it all the managers would say is that our bonus pay will cover the overtime we done, the funny thing was that the targets were set high enough so not many people got paid bonus or they wouldn’t pay it and most of us would end up with our basic wage going home tired and stressed. Not many people argued about the way we was getting treated as everyone knew the credit crunch had hit bad at that time and how hard it would be to look for a new job. Most departments were having meetings every week due to targets not being hit which was down to the credit crunch but obviously Mr Chorlton didn’t really care as long as he got the money he wanted! As Christmas came along everyone waiting to have a nice break but unfortunately if you hadn’t booked it off in about 3 months advance you couldn’t have a holiday! Luckily I booked mine off so as I was looking forward to my week off which did go successful I did have a nice time to relax over Christmas. The day I came back from my holiday was the day when the whole place was covered in security guards, everybody wondering what the hell was going on The managers started calling us out group by group, which started causing suspicion when the groups weren’t coming back in, it was simple everyone knew what was happening we were getting the sack! That day eventually my name came up so I walked to the meeting room to see what they had to say surprisingly they said it was due to not hitting target I didn’t bother saying nothing as I wasn’t the type to answer back I think it upset me more than anything knowing what hard work and effort I put into the company and they used me and many others. As I got home I realized that they owed me £780 from hitting my target in the month so they sacked me for basically no reason at all, I did manage to get the money they owed me but it just made me sick that I couldn’t do nothing about what they put me through. I got sacked on the 29th December 2008 which because of that I couldn’t take them to citizens advice because they sacked me before a year had been complete. I moved on and found a job which made me realize how bad that company really is, it made me laugh that my friends who worked there also was getting phone calls to go back, I was glad I changed my number YES LOANS are a SCAM! What they do to people is sick! Never apply for a loan or work their I could go on about many more things. I just think its really sad Mr Chorlton has to treat people like this and has no feelings most probably because he thinks he is big due to the money he is claiming from the less fortunate people in Britain.Will someone please investigate into this buisness properly!

Shelly
Hainesport, NJ
EmailAddress: mdileo@prodigy.net
Complaint_against: Lukoil mastercard (Juniper Bank)

Complaint: Very rude foreigners work in the customer service. I pay may bill in its entirety each month even though the minimum is 15.00. I was never late. This month, the bill arrived late and was due 8-13. I realized it on 8/15 and immediately paid the balance and also the new charges at that time. I called to see if I was assessed a late charge and was told that I was because the account was "past due". He started reciting a script that did not even pertain to my request to please waive the charge. I spend over 250.00 a month and pay the bill each month and was asking for a one time courtesy waiving of the late charge which was excessive: 39.00 (considering that only 15.00 was due). That's when things got ugly. I asked for a supervisor and was refused. Again I got a recitation of a canned script about why I was charged a late charge. He did not listen, nor did he comprehend what I was saying. I asked for someone that can speak English. ...anyway, I got!
nowhere fast. My point, they are thieves. I closed my account and activated my Hess gas card which gives me 5% back on all gas purchases and gas is 2.49 a gallon!

M. Barton
Complaint_against: Pulaski Bank

Complaint: RE: Pulaski Bank out of Arkansas
I closed my account several months ago (due to the fact that my interest rate went up significantly, for no apparent reason) yet I had an existing credit of $24.99.
When I called to find out why I wasn't issued a $24.99 check for this credit, I was told that Pulaski Bank "keeps the money unless I explicitly fax in a request to be returned this credit" that is owed me.
I think this policy of keeping money that belongs to customers is unethical and unlike the policies of all the other credit card companies I've ever dealt with. Avoid Pulaski!

mb
maryland
Complaint_against: advice

Complaint: Anyone having any troubles with any financial institution or credit card company or credit bearuas is to be advised to file a complaint with the commisioner of consumer credit for which the state you reside and they will investigate yours and any others a the credit company could face charges and not being allowed to operate in a state which they are negligent of the law!!!!!!!!!!!!!!!!!!!!!!

pat price
304-5 dongyiqu tiantongyuan changping district
eijing 102218
EmailAddress: jierenjie@yahoo.com
Complaint_against: ebay/paypal

Complaint: I am an Irish citizen who has been living in Beijing,China for the past two years.I have an excellent credit rating and good standing with my bank in Ireland.I recently signed up to ebay and had to sign to paypal also,as most of the sellers on ebay will only deal with a buyer if you use paypal.I bid on and won some items, no problem, until I decided to pay for the items.Paypal decided to freeze my account,no reason given,no explanation,and informed me that if I faxed them certain information,I could use my account again.As I have said,I am living in China,everything here is written in Chinese(surprise) so I informed paypal that the proof of address they required would be in Chinese,waste of time!I wrote at least ten emails informing them of the stupidity of their request,pointed out that they had already confirmed that my credit card and bank account were real,and asked who were they to question me,they are not a bank.just a "service",I use that word loathingly!Al!
l I have received are automated reply emails.To add to this,ebay,who are the same company as paypal,are bombarding me with "payment due" emails for the items I bought!I can only guess that my credit rating to potential sellers is zero now,I cannot pay them!Las t night I found a new problem.Due to this b.s. with ebay,I attempted to buy items on individual sites.All went well until it came to pay,they would not accept my credit card!!Could this be a massive coincidence or have ebay/paypal got something to do with this???My credit card is my lifeline for my family and I here in China,it semms that because of these idiots I am on some blacklist or something??Please advise me of what I can do?Can I sue these people??Who the hell do they think they are??

James LaMar
Kendel Circle
ville, PA
EmailAddress: zaljr@yahoo.com
Complaint_against: PNC Credit Card

Complaint: I am writing to complain about your unscrupulous credit card practices involving the convenience checks that are sent to me advertising low interest rates. I used one of these checks in September of 2005. Since that time I have received numerous checks that advertise that this promotion was good until a year later in 2007. I decided to use these checks in September of 2006 to pay-off some higher priced cards. To my surprise the next month my rate skyrocketed to higher than the cards I paid off, and on top of that I was charged a transaction fee to boot. I called customer service and they said that all the promotional rates ended with the first check. I said the mailing said that the convenience check were good until October of 2007. The response was "The checks are good but the rate has ended." This deceptive practice has me VERY UPSET. No where on the mailing did it advise me of this rate ending if I used one of the prior checks. I would at the very lea!
st like to have my transaction fees refunded.

Evie
EmailAddress: eviewalk@yahoo.com

Complaint:
This has to stop. Late fee scams, interest rates unbearable, notices sent in the mail with printing so small and the language not understandable such as "opt-out" and even trying to get consumers to sign arbitration clauses not filing a class action against them. These THIEVES IN EXPENSIVE SUITS, that is what they are. With the bankruptcy laws being in favor of these culprits, who knows what they will do next, knowing that it will be a little bit more difficult to file bankrupcy. It does not mean that you cannnot file. Something must be done to stop this ripping off of poor consumers and piutting people in more debt they can pay. If someone is having difficulty paying at 15% what makes them think they will get paid at 29%, better reason to file bankrupcy.

Bush administation is in favor of big businesses making it difficult to file class action and now the bankruptcy. If it was not for credit ratings I would refuse to pay - forget credit scores.

The more consumers make complaints to the national treasurer and banking regulators, these banks will be facing "class action lawsuits" which really hits them deep in the guts, paying out millions.

Please file your complaints to state attorneys office etc..
It helps when there are many complaints about the same issue on the same bank.

Tracie
California
EmailAddress: greeneyedlady916@aol

Complaint:
I am currently in the process of trying to fix a some HUGE messes on my credit report. (notice mess is plural)I have been investigate numerous problems and the numerous companies that have caused them. I would like to disclose ALL that is going on only for others' knowledge. Things people dont even think about, until it happens. And some of it has nothing to do with credit cards, but insurance companies, and superior court getting my identity mixed with another person. It could be identity theft, but i think it is just some STUPID MORON who cant do their job and which they should be FIRED!

My BIGGEST problem has been ongoing for 6 years now, in which CitiCard & Sears Roebuck have been reporting my dad's bankruptcy debt for that card on my report just because i am an authorized user. Although i am not responsible for the debt, there are no LAWS making it illegal to go after an authorized user in hopes they will pay to keep their credit clean. Very few law suits have been filed for this circumstance, but if more people did, it would definitely help.
I have called many lawyers and they either didnt know anything or because of their lack of knowledge said i couldnt do anything about it and which i have failed at finding help. I am at my last resort and have spent the past 3 months researching information about federal & state laws, consumer rights, bankruptcy, credit cards, credit reports, insurance, business policy when verifying one's identity. Fair Credit Reporting/Billing/Collections Acts. Getting ALL the knowledge i can to make my complaints with the Federal Trade Commission, Better Business Bureau's, Attorney General, Consumer Action, Department of Justice and Victim Compensation & Government Claim. I only HOPE i know what i am doing and am looking for anyone who might have knowledge about the circumstances described, have advice or find a lawyer who will represent me individually. But at last resort, a class action suit.

I was put on the account in 1995 when i was 14. I NEVER signed anything, NEVER had any knowledge of it, NEVER used it.
In 1998 i was 17 and my dad filed chapter 7, which he listed that account as debt.
In 1999 i turned 18. As soon as i became of age they began reporting the BK on my credit without my knowledge a year after my dad filed. Sometime in October, i tried to get an apartment with a friend. I was denied and the woman told me it wasnt good. My mom worked in mortgage and pulled my credit for me. It showed the Citibank/Sears account in bankruptcy. Divorcing my dad when i was 3 because of his financial problems, my mom suggested I ask my dad. She knew he had something to do with it.
When i told him, he admitted it was a credit card he had got for my OLDER sister and I. (Would have been nice if i actually used it) He told me to order my credit reports from all 3 companies and he would fix it. Why he needs my credit reports to call CitiCard & Sears to report that they are making a mistake reporting his debt on my credit, i dont know. Not wanting my reports to go to my dad's house, I tried ordering my reports from the 3 bureau's but never succeeded, because i didnt meet their identity requirements and to send all sorts of identity/address crap in the mail. I was a drifter since 15 and used my dad's address for mailing. So I didnt have utility bills, leases or W-2 form with an address i COULD have my reports sent to. Can you beleive it took 5 years before i ever saw a report!?! Having NO luck with the credit bureau's i called the sears on the report i had, and i was told i could not be given the information. How is it that they can report bankruptcy on my !
credit, but i cant even know about the account they are reporting? So, i wrote them, and of course NEVER heard back. (Didnt know i was to send it certified) Not knowing if my dad did something illegal, i didnt want to get him in trouble and figured he was going to do something about it or someone would see the mistake and correct it. I didnt know what i was doing then, and didnt have the resources that have helped me today. What was I supposed to do, i couldnt even get my credit reports! I figured there was nothing i could do, thinking that in some way it WASNT a mistake.

The past 6 years have been HELL. Every now and then i would try to get credit for a car, apartment, credit card, laptop, jewelry and have ALWAYS been turned down. The only thing i COULD get were cell phones. Because it was my only contact and having to pay for using too many minutes, I let them go to collections. Hell, my credit was already ruined and they were nothing compared to being an 18 year old and having filed bankruptcy. I didnt care.

Through out the years, my dad has given me all sorts of reasons why he hasnt done anything to help. Saying it isnt his fault but NEVER doing anything about it. And giving me many more reasons to think he has done something illegal. Or just doesnt care. Either way, he isnt taking responsibilty and i am finally fed up! I even tried to change my address, which he threw a hissy fit and had it changed back to his house. Why is it such a big deal my mail go to his house?

In January 2004, i got some mail from Superior Court of San Bernardino County issuing a warrant for my arrest. I called on it and got some info. It was for a DUI in February 1997. Well, i was 15 and was about to turn 16 in March. So, it wasnt me. I was given some information and came to find out that SOMEHOW my identity has been mixed with another person who has the same name. The thing is that she was an Arizona resident. AZ license, address. She was born in 1956, i in 1981. Appologizing, the woman said that someone must have just clicked on the wrong name. I didnt understand how someone could not see the difference bewtween us. After appologizing, it was corrected. No problem, right?
HA! THINK AGAIN!
In July 2004, i stopped by my dad's to get my mail. He had something, told me i was part of a lawsuit and i needed to sign it. He gave it to me, and it was a consumer report from TransUnion. I was to sign it and send it back for investigation. I signed it & gave it back to him. But wondered how & why it was sent to me. I didnt question, cuase i was happy that something was finally being done. But I never heard anything.
I was at his house again 5 months later while he was out of town. Looking through the pile of mail for my sister and I, I came across the consumer report i signed. HE NEVER SENT IT BACK. WHY? Making me furious it was the final conclusion that for some reason, my dad does not want to help me. He doesnt want me to know anything about it. And he obviously doesnt want anyone else to find out about it. I decided i didnt owe him anything and made a copy of it and began doing my own investigating. The investigation was supposed to be for some promotional inquiries made by 20th Century Insurance (now 21st Century) made 8 times from April 2002 - February 2003. I noticed the address where they were located. Southern California...near San Bernardino County. I called them and found that the woman who got the DUI had a policy with them. Probably for her court date. Although they do not affect my credit, it is still a HUGE problem. The inquiries began a year before and ended 1 month befo!
re her warrant was sent to me. They are on my credit, but i never got 1 20th Century offer in the mail. I asked both the insurance company and transunion how they are pulling MY credit with all of HER information with does not match mine.
NO ONE SEEMS TO KNOW! Not sure if my identity has possibly been stollen, no one has her SSN and cant tell me if it is the same as mine.

I called TransUnion and ordered a NEW report. Now instead of reporting the bankruptcy under Sears like the consumer report had, it is now under CitiCard. Calling Sears on numerous occasions, they insist that it is in bankruptcy. Then why do i have a denial letter from a company telling me they denied me because of my bankruptcy? And was recently sent bankruptcy court search documents which indicates i have not filed bankruptcy with the courts. Always thinking of new questions, i also called Sears to ask if there were any other authorized user's besides me, like my older sister. If so, why hasnt it effected her credit? Was she removed and if so when and why wasnt i? If not, why didnt my dad list her? Of course, i need dad's authorization to get answer's. When asking them to remove me from the account as an authorized user, they told me my dad has to call and do that. What do ya know?

I had also put a fraud alert on my report with TransUnion. Which they then contacted Experian & Equifax to report to them. Experian sent confirmation letter. Equifax sent a " you dont match our identity requirements" letter. I am basically just stuck and fed up! I am searching for ANY help i can get. Whether it be a lawyer, or someone who can tell me how all this is going on. I am about to write EVERY company complaint letters and requesting account information or how the identity mix-up is happening. I am aware that many laws and my rights have been violated. After receiving my letters, they think that they will just remove the bankruptcy from my credit after 6 years and it is A OK!?! I have spent years trying to get information i need to fix things and even have proof of my attempts in the past. I have always had problems even when trying to get my own credit reports and being given information they SAY i cant be told, even though it is MY RIGHT to know, has lead to a VER!
Y TIMELY DELAY in my being able to fix things. For which they are not just gonna erase and forget all about and not caring what it has done to a person. FOR 6 YEARS!

There are no words to describe how i feel. There is no time to tell all the crap i have been through. The stress, anger and problems it has caused. There is NO PRICE anyone can put on my LIFE & MENTAL instability caused by the hassles and struggles i have managed to survive. Not being able to do anything for myself no matter how hard i tried. For years i thought that bankruptcy was reported for 7 years. And thought i only had 1 year left. Until i found out that is not so. 10 YEARS bankruptcy is reported. And im not struggling for another 4 years. I will be 28 years old and never have had my own apartment, car, jewelry, credit card...or LIFE without struggle. I have lived in more places than anyone can imagine. I have worked my ass off and NO MATTER WHAT...still cant get ahead in life. I am UNHAPPY, suffer from SEVERE depression. Instead of suicide i sometimes resort to self mutulation.
However, i am strong and wise from my experiences and struggles.
I am happy to share them and my knowledge to help others in the same situation as well. I also have issues which i might present to board of education. And hope to be a part of new laws passed through legislation making it illegal to report debts on authorized user's credit as well as a way to protect children from irresponsible financially unstable parents that could result in devastating a childs life as it has mine.

I cant beleive that these companies could hold a child responsible for their parents debt. And as soon as the child became of age they think they have a right to go throw a bankruptcy on an unresponsible minor's credit just because they are an authorized user in which they had NO knowledge of. I CANT BELEIVE IT! I also cant beleive that i am having so many problems with my credit report which no one can tell me how it is happening as well as the MANY problems confronted while trying to fix it. And to be told that i cant know information about the activities being reported on my credit by these companies PISSES ME OFF!
THEY ARE NOT PROTECTING ME, THEY ARE VIOLATING MY RIGHTS, AND HELPING THE FRAUDULENT ACTIVITIES MADE BY UNFIT BUSINESSES AND POSSIBLE CRIMINALS STEALING MY IDENTITY.

All i know is that the day all these people carelessly making these mistakes want to trade me their house and go live in a tent by the river because my MINOR human error caused them YEARS of UNNECESSARY SELF & LIFE DAMAGING INCONVIENIENCES....can tell me that it is no BIG deal and i dont deserve some compensation so i can manage to put MYSELF & MY LIFE back together but they deserve to keep their life, house and job.

Natalie
EmailAddress: concertyna@yahoo.com

Complaint: Someone needs to take credit card companies to task on their "Save Money by TRANSFERRING YOUR HIGH-INTEREST BALANCE TO OUR ZERO/LOW APR RATE" offers! If you read the fine print, you'll notice that any payments made to the card go to pay off the lowest interest rate balance first. So say you've got $1000 on a 20% interest card but take them up on their "great offer" and transfer another $2000 over for 3%apr. Now your $50 monthly payment goes first to pay off the $2000 that's hardly earning interest, meanwhile the other $1000 sits there and accrues 20% and none of your payments go towards paying that down! In the end, you may actually owe them more money because you don't even start paying down the original $1000 until all that other $2000 is completely paid off. How is this legal!?! Shouldn't your payments at least be equally distributed towards your full balance? How can they claim they are "helping you pay off high interest" and "saving you money" when the!
y do this? The average person who doesn't bother to do the math will end up being totally ripped off! Can we start a lawsuit or something? It shouldn't be allowed.

Anonymous
San Francisco, CA

Complaint:
I found this site while researching a credit card offer, and I could not help but notice the number of complaints here where the person says they "called the credit card company..." about some issue then things turn out badly.

Do tell.

Please take note: If you have an issue (disputed charge, etc.) with a CC company DO NOT CALL! YOUR RIGHTS ARE PROTECTED ONLY IF YOU PUT IT IN WRITING.

Make the letter unemotional and factual. No Rants. State what the problem is and what you expect them to do and by what date. If you must rant then rant to your cat first.

Send the letter via CERTIFIED MAIL and keep a dated copy with the certified mail receipt in a file together. Send copies of these with any future correspondence if needed.

HTH.

Cathy Brill
711 Brazeau Avenue
54153
Phone: 920-834-2150
EmailAddress: whatshot@cybrzn.com

Complaint: Every day for the last couple of months I have been getting phone calls from a company that calls themselfs Providien Van Rue Master or visa credit card. They keep asking me for my SS number middle name etc so they can up date my card. I keep telling them I do not have a providien card. They said someone is using my name and they have to verify the information. I told them I will not give them any information over the phone. They said they will keep calling me until I do. I told them I was on the no call list. They don't care. They call me at work and they call me at home. How can I get them to stop besides changing my phone numbers? Have you had any more complaints like this on this Providien Van Rue. I am not sure if Van Rue is spelled right. Thank You

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 "36" (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!

Patricia
St Petersburg, FL
EmailAddress: toimpatricia@netscape.net

Complaint: In order to improve my FICO score I am cancelling some of my credit card accounts. My advisor tells me that having more than fifteen credit cards can be a negative thing. I have three mail order catalogue accounts that are evidently under the auspecis of World Financial Network National Bank. I have been trying to reach this bank to cancel the cards but am unable to do so. Does anyone know how to reach this bank?? Thank you - Patricia

Jaime

Complaint:
DISCOVER CARD.

I said yes to the ACCOUNT GUARD SERVICE and I have now been charged about $700.00 in fees as a result. It put my account over the limit. Because of some financial difficulties I have experienced I was about a week late on a few of my payments, this charged me late charges on top of that. When I called Discover Card to see if they could assist me with this situation, they were not willing to help, but they were not pleasant to work with either. They have a structure of rules there and you are not a client, you are a number. They were willing to put me on a payment plan of 3x's the payment I currently cannont handle just to pay off THEIR FEES! They thought that this was the best thing they could have ever offered me and wondered why I was upset about it.

I work with American Express on a regular basis and they are wonderful, they have worked with me during my difficult time and have not charged me any over the limit fees, late fees, anything...They have worked with me, I have worked with them. I love them!

Discover Card, let's just say, the only reason they are in business is because they are stealing from people, They are horrible to work with, shame on this company.

If I can help 1 person say NO to these stealing, rude, people I will feel better about the situation.

Marty
Washington DC

Complaint:
I have many years of on-time payments to a MBNA credit card on which, regretfully, I have a balance of approximately $23,000. About four months ago I was two days late on a payment, and the company increased the APR to 19.99%. I attempted to negotiate with MBNA twice since then. The first time I spoke with "Brian" (he would not disclose his last name) who said if I agreed to transfer a balance he would return my rate to the promotional 4.7%. I transferred an additional $6,000 balance to MBNA, but the rate has remained at 19.99%. Subsequent efforts to negotiate with MBNA have been fruitless. I was told over the phone by two of its agents my debt to income ratio is "higher than MBNA likes to see" so they refused to lower the interest rate at all. I believe the company representative "Brian" flat-out lied to me over the phone, and because I transferred another credit card balance to MBNA, it is now collecting almost $400 per month in interest charges alone from me. I feel I!
was purposely misled over the phone, and believe it is all but extortion to suddenly charge me with such a high interest rate after an otherwise impeccable history of on-time payments. I might as well be doing business with the Mafia!

On a positive note, I have held a USAA Master Card for over fifteen years. This is one company you can count on for honest, fair business practices. I hope all honest American consumers will reward companies like USAA while forcing those like MBNA out of business... permanently.

Sure do appreciate the sounding board here.

Respectfully submitted,

Marty
Washington DC

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.

Carolyn L

Complaint: Thanks to everyone for taking the time to list their complaints. Like you, I finally opened one of the letters offering the pot of gold at the end of the rainbow and looked through everything to find the scam. I found something that needed questioning so called the 1-866-4062177 number to ask the question. The polite woman answered the question in an affirmative manner and then I asked a final question, "This seems just too good to be true, don't you think"? She replied, "yes". I asked her again the same question, thinking she had misunderstood and again she agreed with me. I thanked her and hung up and began looking for a site like this. Again....thank you! Their offer is being trashed and the word spread.

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 affadavit is signed in front of a notory 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 foreve!
r as far as I am concerned. DUMP AT&T Universal.

Pat
EmailAddress: mwcheck@aol.com

Complaint: I have a wells fargo financial gold card. Last month I owed $1.94. I was called by someone representing their company that offered a fixed rate of 8.90 if I would transfer a balance from another card or get a cash advance of at least $500. I agreed to a cash advance for the minimum amount. Not even one month later I received a notice saying that my fixed rate had been cancelled and now I would get a variable rate of 22.90. Isn't that fraud??????? I have no way to know how to contest this, any suggestions?

jeff
359 wyona street
brooklyn,ny 11207
EmailAddress: hennrockk@verizon.net

Complaint:
can someone help me i just need to know the correct policy?
i paid for a friend and his girlfriend to stay in a local hotel called metro inn for 1 night.signed the receipt for one hundred a change.But my friend decided to stay for a month and they charge me and when i got my billed it was 3600.00 dollars.is it true thats its my responsibility even thought no one got the ok from me?
hennrockk@verizon.net
help me

Tia
Zip: 33067
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 complete 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.

T.
Michigan
EmailAddress: consumersci@aol.com

Can any one help?
Its seems im not the only one who has made a payment late of only a few days and had there interest rate trippled to 22 to 25 %.
I am currently looking into what can be done about this, anyone with the same problem please feel free to email me and let me know if you have any luck in a resolution or if i know something that can help i can email you. I would like to expose advanta for this throught the media so everyone knows how they business practices.

Has anyone had a credit card scam run on them by an outfit called "Silicon Mobile Technology" or www.superlaptop.com ?
mikegriese@sbcglobal.net

Lenny:
Columbia, MD 21045
Discover had just mail notice to customers of change in rules. They will now use the "universal default" system. If any "creditor" anywhere in the world says you are in default, Discover will consider you in default also = whatever they want to do: higher rates, revoke card, etc. This means inflated rate on previous balance, as I understand it.

This seems to be common practice in one way or another, although not quite as severe, in the cases I have checked so far, as the Discover one. For example, a VISA account I have says they may decide on the basis of credit information that I am no longer "credit worthy" and deny me credit. That doesn't sound unreasonable - if they wish to deny me further credit. But, to increase my rate for previous charges is
another matter!

Does anyone have further information on various cards and their use (or hopefully, non-use of "universal default" policy? One may do a search for "Universal Default" and find many warnings, newspaper articles, etc. on the subject, but little on how one might avoid the problem.

We're here to help you. To allow you to post or voice your complaint about you're credit card company and to help by supplying you with the resources available to try and resolve those issues. There are several agencies that have some governing powers to regulate credit card companies and resolve disputes or investigate misconduct. They report to various committees of the U.S. government bodies such as Congress, the House of Representatives and the Senate. You elect these officials and you have the power to make your complaints heard. To create the most impact for your complaint, email the page your complaint is on, to your local congressional representative. To easily find out who your State Representative is, click on the link I have provided below, then "select" the State you live in, then enter your Zip Code and click the button that says "Contact my Representative". This will give you the District of the State you live in and your Representative's name. Check here to find your representative: http://www.house.gov/writerep

We do not check the validity of any of the complaints, so we are not be responsible for inaccurate content. We are a non-profit website and do not actively seek complaints about AT&T Universal Card or any others. If you would like to help sponsor our website or would like to exchange website "banners", please email us at: badcreditcards.org

Dave

Complaint: I usually do not have complaints with credit cards. Use them when I must, pay them in full and forget them. Some things force credit card use, hotels, rental cars, over phone purchases, etc. With my typical use I considered them to be "all the same" .. they can't charge you fees or interest if paid in full right? WRONG .. they have a system of their own. One which will often delay your check or even cash payment at one of their bank branches until they post it as late. To make matters worst I would often not receive my statements or receive them with as little as two days before their due date. Their response to my receiving short notice statements would to place blain on the Post office. This would not work for receiving my payment .. would it? I finally reached the last straw .. paid in full and canceled and borrowed the scissors to cut that card in to pieces. I did this in person at one of their banks. My suggestion, find a small credit union, open!
an account, get to know them and then get the a card. Hopefully the smaller financial service will put a one to one relationship with you and them having a more caring responce.

From: Webmaster BBC.org
To: Anonymous:
RE: Thank you for your input. It's nice to see someone cares enough to take the time to write. Please contact me at bcc.org@sbcglobal.net
Thank you.

Anonymous:

Complaint: I found this site by accident and was somewhat surprised that the issues on this site were not resolved. First I must say that credit card companies must abide by their "truth in lending disclosure" that you receive when the account is first opened up. If you are charged an overlimit fee due to the charges the company assess to your account they must reverse the fee. I had this happen to me and it was corrected immediately with a phone call. (Capitol one was sued for this issue in the past). Keep in mind that you must put your request in writing for most issues, best to send certified mail to ensure proper tracking. Any other means of contacting the company does not protect your consumer rights. Your payments must post by the due date or fees are applied. That does not mean make your payment on line on the due date cause it takes a few days to post. As far as reporting an account late if the balance is from a disputed item,that is against FDCPA (Federal De!
bt Consumer Protection Act). You can dispute the reporting with the company and the credit bureaus (Transunion, Equifax and TRW). The key to getting issues resolved is persistance, unfortunately with the millions of accounts the companies handle, it is easy to get lost in the shuffle. Don't get mad, get it resolved. As far as continuing purchases after the account is closed, the Credit Card companies cannot stop the charges if in fact you gave your information to a merchant. Closing the account does not stop the charges. The best way to stop these charges is to send a letter to the merchant and include a copy of that letter to your Credit Card company along with your statement, circle the charge and request it be credited. Any company that charges your account without your authorization should be reported to the "Better Business Bureau." The credit card company has no rights to cancel charges for you and have no agreement information that you may have signed or given au!
thorization for. I have seen this happen over and over. You dispute must be done within 60 days of the charge posting to your account. Otherwise, they will have a hard time getting the merchant's bank to accept the charge-back. If you do not follow the procedures, then Capitol One would have the charge on their hands. And I am sure you realize they do not want to take the loss. Believe it or not this is all in your "truth in lending" disclosure. From what I've seen, most of us get the cards and never really read this disclosure. How do I know all of this? Well, I worked for credit card companies for over 25 years, and yes human error is sometimes a problem. Not defending the credit card industry, just think I understand it better than the average consumer. Hope this helps some of you to clear up your issues. Good luck!