Emerge MasterCard
Providian And CompuCredit Over-limit fee, Pay Assist Program Scam

I recently have begun my battle and wanted to provide info for everyone in hopes that someone will return the favor and let me know other ways to go about this. I sent this letter to both the president of CompuCredit:

Mr. Richard R. House
Email Address: corpinfo@compucredit.com
Phone Number: (888) 522-2278
Fax Number: (770) 206-6181
Address: 245 Perimeter Center Pkwy Ste 600
Atlanta, GA 30346
Web Address: www.compucredit.com

[information gathered from Better Business Bureau, www.bbb.org]

And Emerge MasterCard:

Email Address: cardholderservices@emergecard.com

Date: Fri, 12 Dec 08:09: 41 -0800 (PST)
From: "Deborah Morse" Add to Address Book
Subject:
To: "Mr. Richard R. House, President"

& Deborah wrote:
Date: Fri, 12 Dec 07:58: 13 -0800 (PST)
From: Deborah Subject:
To: cardholderservices@emergecard.com

Deborah Acct # # # # #

To whom this may concern:

I have recently become very unhappy with your
company and gladly like to settle my account so as to not have to conduct business with your company ever again. I have $300 worth of charges on my account for actual purchases and $500 worth of charges for fees, etc.
I am willing to pay the entire $300 for purchases to settle this account. Please advise if you are willing
to settle this account.

I enrolled in a Pay-Assist program in July. I
was told if I made three consecutive on time minimum payments, my account would not be assessed over-limifees and finance charges for 6 months, to allow me
to pay down my balance. I made consecutive, on time
payments for August, September and October. However
when my November statement came, I was still assessed
the over-limit fee and finance charges. Upon calling
the customer service number provided, I was told it would take 30-45 days for my pay assist program to begin AFTER the three payments were made and that I would see the program in effect on my December bill.

If I didn't, I should call back. So I paid my November minimum payment and waited for my December bill. My December bill ALSO had the over-limit fee and finance charges. I called on 11-28-03 and waited on hold for over 30 mminutesfor a representative to tell me that she couldn't help me and due to the holidays, there was no one there who could and I should call back on Monday, 12-01-03. So, I called back on 12-02-03 at 10:10AM and after holding for about 10 minutes, someone picked up the line and hung up on me.

Frustrated, I called back at 10:30AM and after a 30 minute hold, I spoke with a representative who told me my account needed to be forwarded to another department, to call back Thursday, 12-04-03, at which time that department would have my files and be able to assist me. I decided to give the company ample time and called back on Friday, 12-12-03 at 9:44AM and after holding for approximately 10 minutes was hung up on, again. So, I called back at 9:53AM, and talked to a representative who told me that it would take another 30-45 days for the program to commence since my account had JUST been forwarded to the correct department to begin the pay assist program.

I asked what she could do about the over-limit fees and finance charges that I had already been wrongly assessed for November and December and she said there was NOTHING that could be done about them.

I would like for you to know that there is something that can be done about this problem. While I am trying to resolve this matter ethically, I have received no help from your company or it's customer service representatives. I would like to request your assistance in resolving this debt. Without assistance from your company, I have no choice but to find other means to resolve these problems.

Please forward this message on to the highest level of
executives, as I would like them to know exactly what kind of "service" the customer service representatives are providing. I would appreciate your prompt response, as this matter has remained unresolved far too long.

Thank you in advance for your help and consideration.

Sincerely

Company: Emerge MasterCard
Country: USA
State: Georgia
City: Atlanta
Address: 245 Perimeter Center Pkwy Ste 600
Phone: 8885222278

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