Complaint Review: TRIBUTE/ASPIRE CREDIT CARD

this company is an absolute joke.
In October of 2007, i spoke to an operator and specifically told her to pay my account in full.
I thought she paid the balance of 800. and change....but you can never seem to understand these operators in India... apparantly she paid 600.00. I travel during the holidays and started getting phone calls mid November from Aspire visa. I have a Tribute master card
When i call them back and went to their web site and gave them my info, they claimed they had nothing on file with me. so, i forgot it and thought they were calling the wrong number.

they continuied to call me and in January i spoke with someone who informed me i still had a balance with them. I paid the remaining balance. I asked who Aspire was and they said their company. I couldnt pay on time because i didnt know i owed anything (according to them) and yet i'm being reported late on my credit.When i asked them why they dont say they are Tribute, they have no answer.
They have also put on my credit report that i was 3 months late.

this has made my credit report PLUNGE. I was at 620 now i am below 500 just from this account. i want to do a class action with these idiots but don't know how to go about it. Anyone???

Angel
DELRAY BEACH, Florida
U.S.A.