My account use to be with Providian, whom I had been with for a few years. When I was first informed that my acct had been sold I found out by mail. Aspire had sent me my new card along with my terms and conditions. On it was stated no annual fee and a 12%APR. I still hadnt used the card, but when I recieved my statement I had been charged a 59$ annual fee, and over 18%APR. I was very upset so I spent days trying to call them. I could not reach anything other then a automated machine over and over. I finally called 411 and looked them up in Atlanta Georgia, as the bill stated that is where they are from.
I finally spoke with someone and they said I needed to cancel the card to not have to pay an Annual fee and the 18%. I informed them that she needed to address the fact that they lied to me on my terms and conditions. Needless to say we went round and round and I finnally decided to call the number and cancel. She also stated by canceling the account it would be sent back to Providian and my old terms and conditions with them would apply.
That was a lie it is almost 2 years later and it never went back to Providian. I also have yet to have anyone confirm to me that I was credited back the 59$. I called and went through the automated system atleast 4 times to complete the process to cancel. They say that is the only method available to cancel the card.
I have refused to pay them the amount. I shouldn't owe them anything I should owe Providian. After of course realizing that Im only hurting myself (with my credit report) I finally agreed to start paying it again. A lady named Medira had called me and asked if I would like to get on the Pay Away plan they have, to get current with them.
On this plan it was stated to me by her that it would be 0% APR and only 15$ a month to get on and remain on the program. I agreed to this and paid them by phone the 30$. Not even 2 weeks later she called for the second payment of 15$. I metioned to her that my bill was still showing and 28% APR and OL fee etc, she stated that it takes a while to have to info show up on my statement.
After 2 months and it still didn't show, I stopped payment and proceeded to call the 800 number. They stated to me that it looks as though I didnt end up qualifying for that program (SHE) called and offered to me. They also had no direct numbers to give me so I can get in touch with her, so that I can find out what happened. They did finally get a hold of me after I didnt pay. They apologised and said that she didnt enter the paper work properly, but that it would now cost me 69$ and 45 a month. When I metioned the words "Bait and Switch"
"Police Dept" and "FTC" they hung up on me.
I called them back, I again explained what had happend and also brought up the intial lies they told with my initial terms and conditions they sent me. The man told me to "Quit beating a Dead Horse"
The whole point in me writing this is that Im tired of CC companies that can hurt your credit because you default on the agreement, but yet they can do what ever they want. I would like to know if they have any law suits against them. I am tired of big companies getting away with this and it needs to STOP NOW! Any advise out there would be great. Im seriously thinking of calling all the news broadcasters in the LA area about this..
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