I got a card from this company in 99. I started with a $4000 limit. I would mail my payments on time yet it would take 2 or 3 weeks for them to put my payments on record, causing them to be late. When i was so called "late" with only a few payments, my limit was dropped to below the balance. This is illegal. I tried calling many times. They refuse to give any assistance whatsoever.
Now my balance is spiraling out of control. My husband called to let them know they were employing illegal practices, and they said "i know" but did nothing. Until i moved and changed my number, they were calling everyday several times a day. I have not used the card in over 2 years, not to mention it has been expired for almost 2 years, yet i am being charged over $100 per month in finance charges, over the limit charges, and late fees whether i pay them any money or not.
All i have been able to afford to send has been $100 per month, but my balance continues to rise! I have made numerous attempts to call the company. They are ALWAYS rude, inconsiderate, not to mention they lie often. I have called the only number listed on my bill and on the back of my card and they always tell me i need to call customer service. When i ask what the number is, they give me the same number i called!
I am at a loss and i have no idea what to do anymore. Because of this, i cannot buy a house, car, or take out a loan for anything. From july 10 until sept. 18 my balance went up more then $300.
Richelle
Athens, Alabama
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