Emerge purchased revolving credit accounts from Providian. Providian offered great customer service (via web site or phone) and fair interest rates (average for credit cards).
One day I get a phone call from Emerge telling me they held my account now. They had no toll-free number or Web Site, knew very little about my account period. So I refused to pay them.
Fees and interest (now 29.99%, illegal in California where I live) accrued until the Providian Web Site was updated showing they had purchased my account. Then they were only open 8A-4P Eastern Time so I had a hard time reaching them. Things went on like this for awhile.
Fast forward to today, they call 2-3 times a week asking for another payment (their minimum payment barely covers the interest accrued). They have finally gotten a toll free number and are open until 7PM Eastern Time now. But they are still a con, and if anyone can find any reason to sue - PLEASE let me know.
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