This company is a complete fraud. I opened my FCNB/Spiegal account back in 1998 and was never late. FCNB had granted me a significantly high credit limit on this card. Come to find out fcnb went bankrupt. They never notified me of this.
Card processing center now services my account and I believe that they are practicing illegal credit card practices. They have raised my interest rate to 28% and have charged multiple 35 dollar late fees to my account. These fees have been applied to my account without any justified reasoning. This company continues to change there 1-866 toll free numbers as well as my payment due date.
I have notified this company multiple times via mail and have had no answer to my problems. Every time I have contacted this company it seems to be that there are no supervisors or managers available to talk to.
I believe that it is time for us as consumers to stand up for our rights and that we must unite and contact the Better Business Bureau, The Federal Trade Comission, along with any other federal or state agencies that regulate business. I also believe that we must contact an attorney with balls in order to file a class action lawsuit against this company regarding it's deceptive credit card practices.
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