It all started by them sending me a card that they had already activated. I thought about and decided that i would go ahead and give it a try. It was a $300 limit. I never went over my limit at all. As a matter of fact, i only used about $150.00 total off the card. However, i paid it all right back, because i did not want a lot of interest piled up on it. They decided they would just go ahead and add extra fees to it, so i would have to pay them outrages monthly payments.
My minimum payment was suppose to be $20 and i paid that every time, but they said that i owed more than that. I asked how come and they started telling me about late fees and i had never ever been late on anything. Then they added some fees that i never even heard of. No matter how much i would send them, they would say since i did not send them enough of a payment, there were more late fees.
They would even have on the statement stating my minimum payment would be like $45 and i would send that much, but they would call me and say that i was suppose to send more than $45 it was $75 that i was suppose to send. I told them it only said $45 on the bill, but they would make up some kind of excuse for me to have to pay more.
Later on i got injured and could not work, but i had insurance on the card. Well my insurance was suppose to make my minimum payment every month, since i could not. That didn't happen. When i asked them why, they said they don't use that company, so they didn't know what the deal was. I said you have to know that company, because i checked the box saying do you want insurance on your card and it was their insurance company. They said yes it was on their, but they do not do business with them. Which that made no sense to me at all.
I have paid them well over $2000 for a $300 limit card and they say i still owe them over $500. What gets me is i have not even spent $300 off the card, therefore, how is it that i have had to pay them over $2000 on it and they say i still owe them. They even called me on christmas morning trying to get me to send them money after i had just sent them money a week before for my monthly payment. I did not even have another payment do. They call me any day of the week, holidays or not, and they call at all hours of the night and day. They even called me at 3 A.M. On a sunday morning.
I would like to have some of my money back, not to mention a little money for all of the headache crap i had to go through and still do with them. I know i am not the only one that they do this to. I have heard about them doing this to people all over the town i live in and i even have some relatives that live out of state going through the same thing with them. I ask you? What do i do now?
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