- Report: #65799
Complaint Review: Aspire Visa - Atlanta Georgia
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Aspire Visa
PO Box 105555 Atlanta, 30348-5555 Georgia, U.S.A.
Phone:
877-2672431
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Aspire Visa HELP! bought my Providian account along with over 430,000 others Atlanta Georgia
I received a letter yesterday from Aspire Visa stating they had purchased my account from Providian. I have read all the horror stories on this site about this company and I am truely concerned.
I have had my account with Providian in debt consolidation for the last two year and was looking forward to having it paid off in about 8-10 months. I have only been paying 8% interest to providian and now I am worried about Aspire raising my interst to 19-33% which will make this impossible to pay off in the same amount of time.
Last night I tried to call Aspire and waited for over 1 1/2 hours for them to pick up. Every 20 seconds the recording said "All our representative are assisting other customers. Please stay on the line and the next available representative will be with you shortly." What a crock. I finally had to go to bed so I gave up.
This morning I called them and spoke with a representative who seemed to have no clue. She spoke with such a tick Hispanic accent and so fast that I had to ask her to repeat herself numerous times. Sho told me that she had no information on my account and I should call back in a couple of days.
Granted, the letter I received stated, "Your Aspire Visa account will have the same terms and conditions as your old Providian Visa account", but that remains to be seen. I find it hard to beleive that a company that typically charges high interst rates will leave my account at a low 8%.
I won't have a chance to talk to my consolidation comany about this until Monday. I hope they have an agreement witht Aspire so that I can get this paid off as planned. This could not have happened at a worse time as I was going to apply for a home loan next month.
If anyone out there has any sugestions how I can protect myself from this company please let me know before it is too late.
Marilyn
Baxter Springs, Kansas
U.S.A.
I have had my account with Providian in debt consolidation for the last two year and was looking forward to having it paid off in about 8-10 months. I have only been paying 8% interest to providian and now I am worried about Aspire raising my interst to 19-33% which will make this impossible to pay off in the same amount of time.
Last night I tried to call Aspire and waited for over 1 1/2 hours for them to pick up. Every 20 seconds the recording said "All our representative are assisting other customers. Please stay on the line and the next available representative will be with you shortly." What a crock. I finally had to go to bed so I gave up.
This morning I called them and spoke with a representative who seemed to have no clue. She spoke with such a tick Hispanic accent and so fast that I had to ask her to repeat herself numerous times. Sho told me that she had no information on my account and I should call back in a couple of days.
Granted, the letter I received stated, "Your Aspire Visa account will have the same terms and conditions as your old Providian Visa account", but that remains to be seen. I find it hard to beleive that a company that typically charges high interst rates will leave my account at a low 8%.
I won't have a chance to talk to my consolidation comany about this until Monday. I hope they have an agreement witht Aspire so that I can get this paid off as planned. This could not have happened at a worse time as I was going to apply for a home loan next month.
If anyone out there has any sugestions how I can protect myself from this company please let me know before it is too late.
Marilyn
Baxter Springs, Kansas
U.S.A.
3 Updates & Rebuttals
Joseph
Downers Grove,Illinois,
U.S.A.
Also Sold Out By Providian To Aspire ..Stay away from these companies!
#2Consumer Suggestion
Thu, August 21, 2003
I had the same problem very recently. I had a Providian Visa Card for 10 years and had no problems--until 8/15/03 when my credit was frozen--while on vacation! Luckily I was with a good friend who paid my way. Otherwise I would have been stranded. Providian sold my card to Aspire without warning, who in turn I could not contact until 8/18/03, according to the recorded message I received when I frantically called to find out more info. The people all sound like foreigners by the way. Who knows who runs those companies anyway? Think about it. Anyway, the problem arrose when Aspire bought my account and decided to cut my credit limit in half--which caused all of my transactions into a huge mess, including my Email accounts, when the account became frozen. My advice-- pay off your balance, or switch to a different company, and drop Aspire. That is what I did. And, for anybody who is considering getting a Providian Card, DON'T DO IT! Tell your freinds and warn them about the horrendous business practices of PROVIDIAN and ASPIRE! Stay away from these companies!
J
St.cloud,Minnesota,
U.S.A.
too many names for the same company
#3Consumer Suggestion
Wed, August 20, 2003
to the dismay of many of the people complaining on aspire,emerge,providian,smart card, they are all originating from the same company, compucredit, look up the company homepage, most of the top people have worked for equafax in the past, a credit reporting company,if you research a little you may be surprised how many names one credit card can have
Jacqueline
Hammond,Indiana,
U.S.A.
Save that "Terms and Conditions" letter!
#4Consumer Suggestion
Sat, August 16, 2003
Save the letter which stated all of your terms and conditions will remain the same, in this corporate transition. Keep it where ever your important files are protected. In addition, locate your original aggreement that you had with Providian, because when they tell you everything will remain the same, you have to know exactly what that means. Make sure they honor their aggreement, and you get your consolidation paid off, as you originally intended. Contacting them by phone may not be as effective as a letter. They can say whatever they want by phone, but they have to honor this in writing. For peace of mind, write them a letter, detailing your aggreement. You don't necessarily have to get confrontational, with them at this point. Just explain that you want a simple confirmation for future reference. The letter stating everything stays the same is the most important on anyway. They have to honor it, because it is in writing. Carefully review the new "Terms of Aggreement" to feret out potential loopholes. Look for statements like, "We reserve the right to change policy, without notice, and it is your responsibility to remain updated, by frequently checking our website, your account, etc." If you find some part that sounds suspicious, then review the documentation again, to determine how to end your "Agreement" with them. It should work out okay. Hope this helps.
