Complaint Review: ASPIRE VISA - COMPU CREDIT - ATLANTA Georgia

ABOUT SEVEN YEARS AGO I GOT MY FIRST AND LAST CREDIT CARD, THOUGHT I COULD BUILD MY CREDIT AND HAVE A CREDIT CARD FOR EMERGENCIES AND FOR WHEN WE TRAVELED. I HAD A $300 CREDIT LIMIT AND ACTUALLY SPENT LESS THAN THAT, JUST TO ACTIVATE THE CARD.

I SENT IN PAYMENTS (PAID OFF THE PURCHASES) AND PLANNED TO ONLY USE IT AGAIN IF REALLY NEED BE.

I RECEIVED STATEMENTS IN THE MAIL A FEW MONTHS LATER WITH AN UNBELIEVEABLE BALANCE. I CALLED THE COMPANY AND TRIED TO RECONCILE WHAT I THOUGHT WAS JUST AN ERROR ON THEIR PART. BUT THEY ASSURED ME THAT IT WAS NO ERROR AND THEY EXPECTED ME TO PAY THIS $200 BALANCE ( EVEN THO I HAD PAID FOR MY PURCHASES AND A MONTHLY CHARGE THEY ADDED )

I DID NOT PAY THIS AMOUNT AND TOLD THEM I NEEDED TO SPEAK TO SOMEONE WHO WOULD HELP ME RESOLVE THIS PROBLEM. NO ONE CALLED OR RESPONDED. EXCEPT TO THEN SEND ME A $400 STATEMENT - ALL OF THIS WAS JUST CHARGES THEY ADDED TO MY ACCOUNT.

I WAS SHOCKED AND JUST WANTED OUT OF THIS NIGHTMARE. I CALLED THE COMPANY AGAIN AND SPOKE TO A CSR THAT MADE ME A "ONE TIME OFFER" - I COULD PAY $200 AND THE COMPANY WOULD MATCH WITH $200 AND THIS WOULD RESOLVE THE ACCOUNT. I AGREED TO SEND IN THIS MONEY, IF THEY WOULD THEN CLOSE THE ACCOUNT. NOW GET THIS. HE SAID NO PROBLEM. IT'S ALREADY CLOSED! I COULD NOT USE THE CARD IF I WANTED TO!

AS EXASPIRATED AS I WAS, I DID SEND IN $200 MORE CUT UP THE CARD AND THOUGHT THE MATTER WAS OVER. BUT NO! I RECIEVED ANOTHER STATEMENT SAYING THAT I OWED - EVEN MORE THAN THE PREVIOUS STATEMENT! EVEN WITH MY $200 PAYMENT! I CALLED THE COMPANY BACK AND SPOKE TO A CSR WHO LAUGHED OUT LOUD WHEN I TOLD HIM OF THE AGREEMENT WE MADE WITH THE $200. HE SAID THERE WAS NO SUCH DEAL, THAT THE CSR STAFF WAS ALOUD TO SAY ANYTHING THEY WANTED "JUST GET A PAYMENT IN HERE" WAS THEIR JOB!

I COULD NOT BELIEVE THIS WAS HAPPENING, I HAD NO EXPERIENCE IN THIS AREA AND JUST DID NOT KNOW WHAT TO DO TO GET THIS TAKEN CARE OF. WELL, I SENT A LETTER TO THE COMPANY AND ASSURED THEM I WOULD NOT BE PAYING ANOTHER PENNY UNLESS I SPOKE TO SOMEONE IN REAL CONTROL. NO ONE CALLED, JUST CONTINUED SENDIING STATEMENTS WHICH WERE GETTING HIGHER AND HIGHER.

THEN I GOT SOMETHING IN THE MAIL SAYING I COULD JOIN IN A CLASS ACTION SUIT AGAINST ASPIRE VISA! HURRAY! THERE WAS HELP AND SOMEONE SAYING THIS IS WRONG! OF COURSE I FILLED OUT THE PAPERS WITH JOY AND SENT THEM OFF. AND DID NOT HEAR FROM ASPIRE AGAIN FOR A LONG TIME. I WAS SURE THIS WAS FINALLY OVER.

BUT AFTER A COUPLE YEARS PASSED, I STARTED GETTING MAIL AND PHONE CALLS FROM ONE COLLECTION AGENCY AFTER ANOTHER. I TOLD THEM THAT I WAS IN A CLASS ACTION SUIT AGAINST ASPIRE AND THAT I WOULD NOT TALK TO THEM. SO EVERY FEW MONTHS I GET SOMETHING ELSE FROM SOMEONE ELSE WHO IS THREATENING TO SUE ME.

AND TODAY I GOT A NEW ONE FROM YET ANOTHER NEW LAW FIRM THAT SAYS THEY REPRESENT "WOODRUFF, LLC" WHO HAS PREVIOUSLY TRIED TO COLLECT FROM ME. AND SAYS I OWE THEM $1155! OH MY GOODNESS - HOW CAN THIS BE STILL HAPPENING? CAN THESE PEOPLE CONTINUE TO DO THIS? WHAT HAPPENED TO THE CLASS ACTION SUIT?

I WILL STAND WITH ANYONE WHO WILL STAND WITH ME AGAINST THIS COMPANY AND THIS KIND OF SCAM.

I WILL NEVER GET ANOTHER CREDIT CARD BECAUSE MY FIRST ONE WAS SUCH A NIGHTMARE.

Alta

OKMULGEE, Oklahoma
U.S.A.