Like many of you here, we have experienced "pure hell" from this company, ever since they changed to Emerge.
We sent a Payment to Providian, who was the previous owner of this Company, and then ended up with a late payment notice from Emerge.
We never received any information about them changing owbership, and as a result, we ended up overextending our Credit Limit.
We are now being charged an Astrnomical 29.99% Interest Rate, plus all the late fees, since they cause our limit to be over extended.
We tried to resolve this problem by offering to pay what we felt was due, but they would not hear of it.
Our balance was $200.00 two years ago, when they changed to Emerge, and is now up to $1200.00 as a result of the penalty fees, and interest rates.
After some research, I finally found someone who would listen, and was interested in investigating this Company.
You may, or may not know that the Company has been sold to Aspire now.
Because Aspire is owned by Columbus Bank & Trust, they are FDIC Regulated. I URGE EVERYONE WHO READS THIS, AND HAS EXPERIENCED THE SAME THING, TO CONTACT THEM, AND FILE A REPORT!!!
Thier phone # is 877) 275-3342.
They will also require a detailed explanation of what happened to you. You can FAX that information at 816) 234-9060.
They also have a Web Page, where you can contact them, and submit a complaint. Fdic. Gov
Once you get to their Web Page click on the Contact Us, then go to Customer Assistance.
I was told that if they get enough complaints, that it may warrant a Class Action Lawsuit against them!
I was also told to contact the Attorney General Consumer Protection Devision, to find out if my State Regulates interest rates, as they said that the 29.99% Interest rate they are charging was "OUTRAGEOUS!"
Please take the time to Contact these Agencies!
Let's not let these crooks get away with this!!!
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