EquiCredit has created such a headache for me. When my account was only 6 months old, they failed to automatically withdraw my payment. They never told me about it and charged me a late fees. Two months later I had to call and ask why they hadn't taken out my payment. I asked for an extension since they were already late in taking my payment. I was told I had to write this "letter" explaining WHY I needed the extension. Well, I was denied an extension. My reason wasn't good enough. They also told me direct deposit wasn't counted as paying on time.
They covered up their error and finally gave me an extension.
An account rep told me they did not accept post dated checks, when at the time they did and it was on the coupon. This rep returned my check so she could report to the credit bureaus that I was 90 days past due.
I stopped my automatic withdrawal, and for two months they kept trying to withdraw from my account causing overdraft fees. I was told that if I sent my bank statements proving they caused my overdrafts they would refund my money. I am still waiting.
They claimed I owed for late fees when I included my late fee with my payment. One month they took out for the late fees THEY claimed I owed. Their consumer consultant refused to admit they were wrong. This caused me to be a month behind according to them.
You never get a supervisor to call you back and the "History" Department never seems to understand what it is you are questioning them about so it can be settled.
They call everyday (because that is what they have hired people to do) even on Sunday. I think the Attorney General in Florida needs to hear from everyone having problems with EquiCredit. They can also be reported to the Fair Credit Bureau for calling anyone on their job after they have been told not to.
One of their account rep told me very sarcastically that it was not going to happen that I get my account straightened, because they were not wrong!
Agnes
Detroit, Michigan
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