My first contact with this company came by way of a letter informing me that they were willing to pay off one of my in collection credit card balances if i agree to pay the amount back to them (they offered a 20% discount) in small payments. It sounded like a good offer so I applied and soon received my first payment bill.
I admit that i lost track of time and my first payment of $25.00 dollars was supposed to be sent by the 15th of that month. When the payment had not been received, I was contacted by an agent of Aspire Visa suggesting that I go ahead and make the payment over the phone so that I wouldnt be kicked out of this great program. MY WORST MISTAKE!!!
I gave the agt the info to draft the $25 payment from my checking account and at that time she asked if we could go ahead and set up another payment for later on in the month so that I could hurry and bring down the balance owed so that I could get a credit card. I told agt that I was not really interested in the credit card and that I would MAIL in my payments from now on. Again she asked if she could set up a draft for later that month. Having worked in customer service before I knew that some calls are recorded and hoped this one was being recorded too so I again plainly stated (because I must have not stated it plainly enough for her) that I would be mailing in my payments from now on to ONLY DEBIT MY ACCOUNT FOR THIS 1 (ONE) payment.
Guess what? They debited my the $25 payment i agreed to and later on that month another payment was taken out of my account WITHOUT MY PERMISSION in the amount of $56.00... I only found out they took this amount because when i checked my account balance and found it in an overdraft and that I also had a bounced checked (also a $28 charge from my bank) due to them taking money that was already called for. After talking to customer service I immediately started the quest of getting back the money they stole out of my account.
This madness started on May 18th with the draft of the amount that I agreed to being taken out of my account. On May 31st the amount that i didnt agree to was taken out of my account. After at least 30-40 calls were made to Aspire Visa, talking to different reps who I told to make sure they noted my account and also the BIG MANAGER Tracy, I was told that my paperwork had been submitted to the business office and a refund check would be sent to me in about 7-10 business days from June 10 which is when I finally got the good news that I would be getting my refund for the amount of $84.00.
It is now June 24 and still no check. I know it's exactly 10 business days from June 10th buts its strange they were able to mail me a new bill from that time but no check. When I recieved the bill I called Aspire cust serv and politely advised them that I would not be making anymore payments until I received my refund check. So if I was lied to about being sent a refund check they will know I never got it because they will get no more money from me and everything is noted on my account with them. Oh yeah, I also filed paperwork with my bank so that they can't go in there and do any more damage again.
Be very very cautious about doing checks by phone even if you do verify that it is a legit company because even a legit company like Aspire can screw you by taking more than you bargained for.
0 comments