I moved in Oct and changed my address on all necessary mail, and at the post office. I received my statement for three months, then I stopped receiving it. Due to the 100 other bills I pay each month I did not notice. I finally thought about it and looked at my account online.
I found that I had not made a payment since Jan months after I moved and they increased my rate from 20 to 28%, charged a 39.00 dollar late fee every month not to mention this had put me over my limit, and the finance charges on top of it all.
I called them and tried to sort the whole thing out, after being messed around for 2 days it was determined that they had already sent my debt to a collection agency!!! The day before it was different and so I made a payment of 500 and scheduled another payment to be made in a couple weeks, so they already too 500 and I had to cancel the other payment.
I got the number for the collection agency, naively thinking I could sort out this situation my self, the said pay in full or pay 400 dollars a month, Hello if I had the money the card would already be paid off!
Obviously they could not do anything for me, so I called a lawyer and explained whay happened. He told me to contact The attorney generals office of consumer fraud!!! So that is what I did. He also said after most companies get the complaint from the attorney general they want to settle with you.
The attorney generals office is sending me some paper work I am praying they can help me!!
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