This is a "you've got to be joking, right?" ripoff outlandish ripoff late fees...
I thought that I had seen and heard everything, but what we got in the mail today makes even jaded lil'ole me shake my head in amazement.
As my battle continues with First Premier over the unauthorized debits (now turned over the Division of Banking) taken from our checking account, FAR in excess of any balance owed, on another card (balance owed: 142.50 to pay off, now trying to extort over $800 for "returned item fees"... On unauthorized transactions. They decided to make our day with this chuckle.
On another card that we totally paid off, we received a bill today for $61.00. What for, you ask? Well, apparently we (according to the rebels without a clue of First Premier) owe them $3.95 for an internet access fee. Hey, it gets better.
Being that the card is paid off and account closed, we have zero credit available. BUT, hold on. Because we have ZERO credit available and the account is closed, we are now..$3.95 overlimit. Just for that, $25.00 overlimit fee, PLUS $25.00 late charge, charge for insurance, AND a finance charge on the "purchases" of the "internet access fee" and "credit insurance".
This is in addition to yet another card we paid off that they charged us overlimit/late fees, even after it is already on my husband's credit report that he PAID IN FULL. The fees were due to "credit insurance" fees being charged, on a PAID OFF/CLOSED account.
After I finish laughing, I will fax the nice "joke sheet" we received today to the South Dakota Division of Banking when I arrive at work tomorrow. SHEESH!
Are they stupid or do they think the entire
Sherri
Richmond, California
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