Plains Commerce Bank Total Visa Stealing our hard earned money! SIOUX FALLS, South Dakota
Myself and my husband both have total visa cards...we have had all sorts of problems with customer service from internet issues to payment issues to harrassment issues to rude employees....you name it....we have made our payments and are up to date, yet the cards never work...my husband has talked to them once (because they refused to talk to me about his account)and advised them that I handle the bills in our home and they would need to talk to me when I needed information about the account....they gave a fax number and advised us to fax a letter stating same information signed by him and it would not be a problem...we did so...when we did not recieve next statement and I called to get balance info and payment due date (because for some reason it always changes) they got very rude with me and told me they could not talk to me about the account...advised them that we had sent in the requested fax 2 months ago and I had talked with someone there last month and the info was no problem...I guess maybe the newbie employees dont know that they are supposed to be rude and nasty to customers..they then refused to talk to me at all until my husband calls them (this is a major issue the way he works)..they have now stopped his card from working..when we call automated line, his balance is about $100.00 higher than it should be..resent the fax tried to call them again...they gave me the same junk again..got supervisor on the line, she is dumber than the calltakers! They have also fixed the online so that we cant view the balance on line to see what is going on with this...my card has also been stopped from working...my account also cant be viewed on line...they are just trying to stop us anyway they can...wont tell either of us why the balance is off...have had enough of this..they are pirates...they are thieves...they wil rob you blind....they wont provide you any history of your account...you never recieve the statements that they supposedly send out...no one wil try to help you on the phone...the last time that I talked with them last week, I finally go tvery angry and before I said something I shouldnt, I hung up the phone...justhung up on them..had to go get aspirin these people give me a headache every month....that afternoon, i received 3 calls from them...the first two i was hung up on when I answered...immediately called back and was put on hold forever...the third call, the female on the other end said this is how it feels to be hung up on, then laughed....and hung up...I called back again and when I got them back on the line, I said this is what you do when you have an a--hole on the other end of the line and I hung up..I did not laugh..it amazes me that these people think that when you are desperately trying to pay a bill and keep your balances straight it is funny to harrass you and be mean and ugly....it is amazing to me that any company would allow such antics....I wish someone would do something about this....my bill is current, I have available funds on both cards and I guess I am paying this so that I will have a little rectangular flat piece of plastic to scrape the ice off of my windshield with!!! Cant use it for anything else....Is this legal??? And as far as their issue with talking to me about husbands account....does fair debt collections not state that you can talk to a spouse about (spouses) account?
Chadric
Woodstock, Alabama
U.S.A.
4 Updates & Rebuttals
The Key Is Reading And Understanding..
Pipestone,Minnesota,
U.S.A.
Please just read and understand what you are signing up for
#5Consumer Suggestion
Mon, May 26, 2008
I just have a few suggestions to just about every one of the posts on this site...BEFORE YOU OPEN A CREDIT CARD ACCOUNT, YOU REALLY NEED TO READ....and here is the big on ....UNDERSTAND!!!
Almost every single issue brought up, is very clearly written in the cardholders agreement that every single cardholder gets with their credit card.
In general, I'm going to give you some hints on how to avoid almost every single problem that has ever been logged on this site.
1-Pay your bill on-time. If you mail in your payment, do it 7-10 days before your due date. Btw, I do not recommend mailing in a payment. I hear people complain about "identity theft" or "stealing their checking info"--what about people that steal those things out of envelopes...there are those people too, you know. The absolute best way pay your bill and make sure it is there with absolutely no realistic problems is to MoneyGram or WesternUnion. Yes it costs money, but it is guaranteed to be there. 2nd choice--Debit card in your name. Not your husbands name, not your dad's name, not H&R Block, not your boy-friends sisters dad's best friend. Your checking account. If you do this, the day before your due date, you will never, ever have a problem with paying, and not having the funds available. There, there are your 2 payment options. Any other method may cause problems--ie. late fees, 3rd party check blocks, returned check fees(nsf or bad acct#),collection calls, ect.
2-Read the website, the card-holders agreement, when you call to activate your card, ask them every single ? that you can think of. If you don't know how a credit card works, google it first, read that, then call in with any other ?'s. They will answer every one of your ?'s to the best of their ability. Because, chances are, they also work collections. They would rather explain it to you now, than have to get yelled at by you in 2 months, because you are past due and don't understand why.
3-Going into this card, you need to realize that the reason we, and I say we, cause I have bad credit, is because we have proven, by whatever means, that we are not very good at paying back debts. The bank is taking a big risk on themselves by even extending the $50 available credit to us to begin with.
4-Collectors are not always going to be nice. If someone you know, even a friend, owes you money, you aren't always nice about it are you? They get paid by their company because they are very good at their jobs. Don't complain to a collector about not having good "customer service" skills, because I guarantee they are also very good customer service reps. But remember, for whatever reason, you are past due on a bill that you agreed to pay, they have a right to not believe us, they have a right to ask what day we get paid, they have a right to ask what day your wife gets paid, they have a right to ask if your parents can help, they have every right to be not very nice sometimes. Not all collectors are like that, it takes all kinds.
5-If you don't like the fact that they can't talk to your spouse unless you are past due or that we can't talk to your mother without your permission or that you have to write a letter telling us not to call you or a complaint about anything we do, you really need to discuss these things with your congressman or your governor, because I promise you, these companies are not breaking any laws.
6-Realize that these companies are also providing a service to you as well, we have this card, because we have bad credit, they report monthly to the credit bureau's. Now, this doesn't mean that only having this card will "magically repair" your credit. You need to also take care of all other blemish's on your credit report, no matter how old. Remember, you are proving to other creditor's--car loans, morgagers, low-interest credit cards, that you are working to repair old debts and handling your current accounts responsibly.
Really it all boils down to that...If you read and understand everything, and realize why this is the only credit card you qualify for, you will rarely have an issue with these accounts.
The Key Is Reading And Understanding..
Pipestone,Minnesota,
U.S.A.
Please just read and understand what you are signing up for
#5Consumer Suggestion
Mon, May 26, 2008
I just have a few suggestions to just about every one of the posts on this site...BEFORE YOU OPEN A CREDIT CARD ACCOUNT, YOU REALLY NEED TO READ....and here is the big on ....UNDERSTAND!!!
Almost every single issue brought up, is very clearly written in the cardholders agreement that every single cardholder gets with their credit card.
In general, I'm going to give you some hints on how to avoid almost every single problem that has ever been logged on this site.
1-Pay your bill on-time. If you mail in your payment, do it 7-10 days before your due date. Btw, I do not recommend mailing in a payment. I hear people complain about "identity theft" or "stealing their checking info"--what about people that steal those things out of envelopes...there are those people too, you know. The absolute best way pay your bill and make sure it is there with absolutely no realistic problems is to MoneyGram or WesternUnion. Yes it costs money, but it is guaranteed to be there. 2nd choice--Debit card in your name. Not your husbands name, not your dad's name, not H&R Block, not your boy-friends sisters dad's best friend. Your checking account. If you do this, the day before your due date, you will never, ever have a problem with paying, and not having the funds available. There, there are your 2 payment options. Any other method may cause problems--ie. late fees, 3rd party check blocks, returned check fees(nsf or bad acct#),collection calls, ect.
2-Read the website, the card-holders agreement, when you call to activate your card, ask them every single ? that you can think of. If you don't know how a credit card works, google it first, read that, then call in with any other ?'s. They will answer every one of your ?'s to the best of their ability. Because, chances are, they also work collections. They would rather explain it to you now, than have to get yelled at by you in 2 months, because you are past due and don't understand why.
3-Going into this card, you need to realize that the reason we, and I say we, cause I have bad credit, is because we have proven, by whatever means, that we are not very good at paying back debts. The bank is taking a big risk on themselves by even extending the $50 available credit to us to begin with.
4-Collectors are not always going to be nice. If someone you know, even a friend, owes you money, you aren't always nice about it are you? They get paid by their company because they are very good at their jobs. Don't complain to a collector about not having good "customer service" skills, because I guarantee they are also very good customer service reps. But remember, for whatever reason, you are past due on a bill that you agreed to pay, they have a right to not believe us, they have a right to ask what day we get paid, they have a right to ask what day your wife gets paid, they have a right to ask if your parents can help, they have every right to be not very nice sometimes. Not all collectors are like that, it takes all kinds.
5-If you don't like the fact that they can't talk to your spouse unless you are past due or that we can't talk to your mother without your permission or that you have to write a letter telling us not to call you or a complaint about anything we do, you really need to discuss these things with your congressman or your governor, because I promise you, these companies are not breaking any laws.
6-Realize that these companies are also providing a service to you as well, we have this card, because we have bad credit, they report monthly to the credit bureau's. Now, this doesn't mean that only having this card will "magically repair" your credit. You need to also take care of all other blemish's on your credit report, no matter how old. Remember, you are proving to other creditor's--car loans, morgagers, low-interest credit cards, that you are working to repair old debts and handling your current accounts responsibly.
Really it all boils down to that...If you read and understand everything, and realize why this is the only credit card you qualify for, you will rarely have an issue with these accounts.
The Key Is Reading And Understanding..
Pipestone,Minnesota,
U.S.A.
Please just read and understand what you are signing up for
#5Consumer Suggestion
Mon, May 26, 2008
I just have a few suggestions to just about every one of the posts on this site...BEFORE YOU OPEN A CREDIT CARD ACCOUNT, YOU REALLY NEED TO READ....and here is the big on ....UNDERSTAND!!!
Almost every single issue brought up, is very clearly written in the cardholders agreement that every single cardholder gets with their credit card.
In general, I'm going to give you some hints on how to avoid almost every single problem that has ever been logged on this site.
1-Pay your bill on-time. If you mail in your payment, do it 7-10 days before your due date. Btw, I do not recommend mailing in a payment. I hear people complain about "identity theft" or "stealing their checking info"--what about people that steal those things out of envelopes...there are those people too, you know. The absolute best way pay your bill and make sure it is there with absolutely no realistic problems is to MoneyGram or WesternUnion. Yes it costs money, but it is guaranteed to be there. 2nd choice--Debit card in your name. Not your husbands name, not your dad's name, not H&R Block, not your boy-friends sisters dad's best friend. Your checking account. If you do this, the day before your due date, you will never, ever have a problem with paying, and not having the funds available. There, there are your 2 payment options. Any other method may cause problems--ie. late fees, 3rd party check blocks, returned check fees(nsf or bad acct#),collection calls, ect.
2-Read the website, the card-holders agreement, when you call to activate your card, ask them every single ? that you can think of. If you don't know how a credit card works, google it first, read that, then call in with any other ?'s. They will answer every one of your ?'s to the best of their ability. Because, chances are, they also work collections. They would rather explain it to you now, than have to get yelled at by you in 2 months, because you are past due and don't understand why.
3-Going into this card, you need to realize that the reason we, and I say we, cause I have bad credit, is because we have proven, by whatever means, that we are not very good at paying back debts. The bank is taking a big risk on themselves by even extending the $50 available credit to us to begin with.
4-Collectors are not always going to be nice. If someone you know, even a friend, owes you money, you aren't always nice about it are you? They get paid by their company because they are very good at their jobs. Don't complain to a collector about not having good "customer service" skills, because I guarantee they are also very good customer service reps. But remember, for whatever reason, you are past due on a bill that you agreed to pay, they have a right to not believe us, they have a right to ask what day we get paid, they have a right to ask what day your wife gets paid, they have a right to ask if your parents can help, they have every right to be not very nice sometimes. Not all collectors are like that, it takes all kinds.
5-If you don't like the fact that they can't talk to your spouse unless you are past due or that we can't talk to your mother without your permission or that you have to write a letter telling us not to call you or a complaint about anything we do, you really need to discuss these things with your congressman or your governor, because I promise you, these companies are not breaking any laws.
6-Realize that these companies are also providing a service to you as well, we have this card, because we have bad credit, they report monthly to the credit bureau's. Now, this doesn't mean that only having this card will "magically repair" your credit. You need to also take care of all other blemish's on your credit report, no matter how old. Remember, you are proving to other creditor's--car loans, morgagers, low-interest credit cards, that you are working to repair old debts and handling your current accounts responsibly.
Really it all boils down to that...If you read and understand everything, and realize why this is the only credit card you qualify for, you will rarely have an issue with these accounts.
The Key Is Reading And Understanding..
Pipestone,Minnesota,
U.S.A.
Please just read and understand what you are signing up for
#5Consumer Suggestion
Mon, May 26, 2008
I just have a few suggestions to just about every one of the posts on this site...BEFORE YOU OPEN A CREDIT CARD ACCOUNT, YOU REALLY NEED TO READ....and here is the big on ....UNDERSTAND!!!
Almost every single issue brought up, is very clearly written in the cardholders agreement that every single cardholder gets with their credit card.
In general, I'm going to give you some hints on how to avoid almost every single problem that has ever been logged on this site.
1-Pay your bill on-time. If you mail in your payment, do it 7-10 days before your due date. Btw, I do not recommend mailing in a payment. I hear people complain about "identity theft" or "stealing their checking info"--what about people that steal those things out of envelopes...there are those people too, you know. The absolute best way pay your bill and make sure it is there with absolutely no realistic problems is to MoneyGram or WesternUnion. Yes it costs money, but it is guaranteed to be there. 2nd choice--Debit card in your name. Not your husbands name, not your dad's name, not H&R Block, not your boy-friends sisters dad's best friend. Your checking account. If you do this, the day before your due date, you will never, ever have a problem with paying, and not having the funds available. There, there are your 2 payment options. Any other method may cause problems--ie. late fees, 3rd party check blocks, returned check fees(nsf or bad acct#),collection calls, ect.
2-Read the website, the card-holders agreement, when you call to activate your card, ask them every single ? that you can think of. If you don't know how a credit card works, google it first, read that, then call in with any other ?'s. They will answer every one of your ?'s to the best of their ability. Because, chances are, they also work collections. They would rather explain it to you now, than have to get yelled at by you in 2 months, because you are past due and don't understand why.
3-Going into this card, you need to realize that the reason we, and I say we, cause I have bad credit, is because we have proven, by whatever means, that we are not very good at paying back debts. The bank is taking a big risk on themselves by even extending the $50 available credit to us to begin with.
4-Collectors are not always going to be nice. If someone you know, even a friend, owes you money, you aren't always nice about it are you? They get paid by their company because they are very good at their jobs. Don't complain to a collector about not having good "customer service" skills, because I guarantee they are also very good customer service reps. But remember, for whatever reason, you are past due on a bill that you agreed to pay, they have a right to not believe us, they have a right to ask what day we get paid, they have a right to ask what day your wife gets paid, they have a right to ask if your parents can help, they have every right to be not very nice sometimes. Not all collectors are like that, it takes all kinds.
5-If you don't like the fact that they can't talk to your spouse unless you are past due or that we can't talk to your mother without your permission or that you have to write a letter telling us not to call you or a complaint about anything we do, you really need to discuss these things with your congressman or your governor, because I promise you, these companies are not breaking any laws.
6-Realize that these companies are also providing a service to you as well, we have this card, because we have bad credit, they report monthly to the credit bureau's. Now, this doesn't mean that only having this card will "magically repair" your credit. You need to also take care of all other blemish's on your credit report, no matter how old. Remember, you are proving to other creditor's--car loans, morgagers, low-interest credit cards, that you are working to repair old debts and handling your current accounts responsibly.
Really it all boils down to that...If you read and understand everything, and realize why this is the only credit card you qualify for, you will rarely have an issue with these accounts.