CompassInspire Mastercard Credit Card Scams huntsville, Alabama
I had my credit card paid off and called cst ser. to cancel my account with CompassInspire Mastercard. The representative asked me why I was cancelling and I stated that the annual fee was a deterrent for me because it always came at an inconvenient time. The CSR assured me that that was not a problem and if I would keep my account she would waive all annual fees as well as increase my credit line. While I was able to hold that one particular credit card under control, I was not counting on Directv turning their back on me, so I lost my job. This had no result in me missing any payments until, you guessed it, the annual fee hit my account and my account became overdrawn.
When I tried to get this resolved over the phone and resume my payments, not one but two financial consultants called me a liar!! (I kid you not)I would give almost anything if I had recorded that call. They stated that they would never offer something that they couldn't give, well guess what, THEY DID!
Please don't let this company or any other company sucker you into something that you don't won't. I had a great payment history with this company and none of this mattered. Now, even though this is their fault, not mine, it has been turned over to the credit bureau.
4 Updates & Rebuttals
Jim
Millbrook,Alabama,
U.S.A.
B******s got me too
#5General Comment
Fri, April 30, 2010
They sent me a pre-approved, no fee card, and promptly slapped fees on it, I wrote them that they were to NOT charge fees, and did not use the card.
First they called me a liar, I proved the application said NO FEES, then they said Doesn't count, i wrote them that if they wern't honest I WASN'T INTERESTED they kept adding charges for late, over the limit nd whatever they dreamed up, I ignored them,
About 4 months later they surrendered, sent me a letter that all Charges were removed and the account ready to use, then I cut it up and threw it away.
Obviously they'd try again, so the hell with the thieves.
No account and the hell with them.
A few months later they said the account was cancelled, I'm watching out for a repeat in a year when the non-existing "Charges" hit again. Or some scumbag "Collector" trying to collect, so far nothing.
Anonymous
Huntsville,Alabama,
United States of America
Moral Business Practices
#5Author of original report
Fri, April 30, 2010
Now that I've had some time to think about the replies, it seems that in just two replies, CompassInspire MC is encouraging representatives to make false offers over the phone, knowing that the customer probably doesn't realize that a written summation of the offer is needed for the offer to be valid. However, the customer is expected to hold up their end of the bargin whether they got screwed or not.
Is it just me or does anybody else see anything wrong with this? Why, as free americans, are we letting corporate businesses get away with this?
Anonymous
Huntsville,Alabama,
United States of America
Give me a break!
#5Author of original report
Fri, April 30, 2010
I am not an employee of BBVA/CompassInspire. I do not know what your policies are for enticing customers to keep their accounts open. All I know is I held up to my end of the bargain and deceptively YOUR representative made me and offer that you couldn't keep. I don't care who you are, this is just bad business! As long as you try to defend your deceptive practices you are only strengthening my case. Before you try to justify deceptive practices you need to be willing to accept the consequences.
People don't let this company fool you. I called to close the account. It was paid off. They didn't won't to lose my business and when they realized that one of their employees made a mistake they chose to not stand behind a loyal customer of 2+ years.
It's your choice America, a company with deceptive practices or a longtime customer who tries to file a complaint only to have the company say they have no control over what information their employees give customers.......give me a break!!!!!!!
Elphaba
Florida,USA
Written contract always overrules any oral promises
#5Consumer Suggestion
Fri, April 30, 2010
Did the agent put what they said into writing? If not, it's not valid. Your contract with the credit card company states you agree to pay an annual fee. The agent did not have the authority to make any changes to that contract. It would have to have been in the form of a written addendum, approved by both the credit card co and you.