I had an account with Speigle for several years, and had excellent credit with this company as I always pay my assessed payment in a timely fashion. However, around June of Card Processing Center (First Consumer Bank), somehow got involved for the purpose of collecting payments.
Please note that in June of my account stated I owed $1,095, after eight months of payments totaling $60, per month. Currently, February 5, I owe $1,054.84! I notified the Attorney General's office in NY, but they ignore me. I contacted the NY BBB of which I sent copies of each cancelled check - FCB, with a copy of the letter sent to FCB. I recieved a correpsondence from BBB, stating FCB, said I had to "prove" through copies of checks that I had paid them! I had already sent proof to FCB.
You cannot talk to a human being - they have protected themselves from that. Furthermore, since each month they assesed late fees saying they did not recieve payments on time (from Iowa to New York). I sent four payment by registered mail too (they had to sign the card on date received). Guess what? They slapped on late fees, even though I sent proof of their reciept of payment.
What this company is doing is fraudulent, unethical, and immoral! I have acted in good faith, contacted the agencies who are suppose to protect me - still they do what they want ro do, and get away with it. For example, I have calculated what I have paid FCB since June ($480) all of which apparently is what the "accused" for late fees, because my balance since FCB tookover is approximately $40 less than the total of what I orginially owed this company in 2003!
Please be mindful that on several occasions I sent my payment "registered mail", for proof of their receipt of payment before date due! It did not matter! They said I was late.
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