I just wanted to tell anyone who may be considering a credit card account with Direct Merchants Bank, to be AWARE. They are fraudulent and dishonest.
I got a credit account with them in 2001. My credit limit was $1500.00. I now have a balance of $3000.00 and rising and the account has been closed for about a year.in August of I was sent a bill that stated I was "over the limit". I was not over the limit, there was no way.
I called them and told them that I was not over the limit, this was impossible, and I was told that the charges could not be removed. I struggled to pay what I could, which was $50 or more per month. Apparently, this was not good enough. I was hararssed all hours of the day and night. I would get phone calls at 6 A.M., no kidding and calls at 10:30 at night. Everytime I explained my situation, I was rudely interupted. I was called at work and when I asked them not to call my home or work, I was told that if I paid my bills, these phone calls would not be necessary. I told them that it was not a matter of paying my bills, which I do, but that the harrassment needs to stop.
I was told that if I did not want any more phone calls I would have to write a letter. I did this and the calls got worse. I was then called at work AGAIN and harassed personally. I asked to speak to a manager who was no help, had no knowledge of my letter and refused to close my account. I called repeatedly to cancel the account and finally was successful.
I was contacted by an attorney who represents them and was threatened. I sent her copies of the letters that I had sent to Direct Merchants Bank and have received no response. I told the attorney that I was more than willing to pay the debt that I incurred but not the fees that I was NOT responsible for. Well, I work for an attorney who deals with similar cases on occasions and I have been waiting for them to sue me so that I could counter sue them for a lot more than just fees, but for the harassment, etc.
I am thinking now that I have seen all of the reports against them, that I could file a class action suit. If anyone is interested in participating, please contact me via the rebuttal key. I will be so happy when this nightmare is over. I am 21 years old and am working hard to keep a good credit score and this whole situation is ridiculous. Thank you very much for your time.
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