- Report: #132034
Complaint Review: Asprie Visa - CBT Aspire - Atlanta Georgia
-
Author Confirmed
Why?
Asprie Visa - CBT Aspire
P. O. Box 723896 Atlanta, 31139 Georgia, U.S.A.
Phone:
800-348-8783
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Asprie Visa - CBT Aspire Fraudulant Company... Practices need to be investigated... Bunch of thieves! Atlanta Georgia
Several years ago Aspire Visa called my home with a credit card offer that I declined. The representative would not take "no" for an answer and so I hung up on him. About a week later I received an Aspire Visa credit card in the mail. My name was imprinted across the front along with an "activation strip" that contained a number to call to activate the card. I cut up the card and never called to activate it.
About two weeks later a telemarketer called my home and was offering some product. I declined to purchase the product and was about to hang up when I heard to telemarketer mention charging it to "my" Aspire Visa! I firmly told this individual that I did not want thier product and I certainlly did not want it charged to a credit card that I did not request or activate! I told this person that they were not to call my home again.
End of story... so I thought. Not... After applying for a loan which required a copy of my credit report I was shocked to learn that Aspire Visa was listed as a creditor! The status of my account was seriously past due and charges off. Aspire Visa claimed that I owed them $210.00! All this on a credit card that I did not solicit, activate or use!
I have written to all three credit major reporting companies and Aspire Visa to no avail thus far. Aspire Visa is a bunch of thieves. I can't imagine that this is legal!
Lisa
Chicopee, Massachusetts
U.S.A.
About two weeks later a telemarketer called my home and was offering some product. I declined to purchase the product and was about to hang up when I heard to telemarketer mention charging it to "my" Aspire Visa! I firmly told this individual that I did not want thier product and I certainlly did not want it charged to a credit card that I did not request or activate! I told this person that they were not to call my home again.
End of story... so I thought. Not... After applying for a loan which required a copy of my credit report I was shocked to learn that Aspire Visa was listed as a creditor! The status of my account was seriously past due and charges off. Aspire Visa claimed that I owed them $210.00! All this on a credit card that I did not solicit, activate or use!
I have written to all three credit major reporting companies and Aspire Visa to no avail thus far. Aspire Visa is a bunch of thieves. I can't imagine that this is legal!
Lisa
Chicopee, Massachusetts
U.S.A.
2 Updates & Rebuttals
Lisa
Chicopee,Massachusetts,
U.S.A.
Next time I receive a credit card with my name on it I will heed the advice offered in the rebuttle
#2Author of original report
Sat, March 05, 2005
After sending several letters to Aspire, I actually received a letter of response in the mail. The letter states that they are going to have "my" unsolicited account removed from my credit report. According to the letter the process will take 60 to 90 days. Next time I receive a credit card with my name on it I will heed the advice offered in the rebuttle. Under my rock is a pretty nice place to be...that is until I have to come out and defend myself from real world blood suckers! Now back under my rock I go! Certainly wiser, more responsible and ready to defend myself at a moments notice. P.S. I found the internet when the ISP's put the cables below ground. They moved my rock and lo and behold... Thank you...
S
Kennesaw,Georgia,
U.S.A.
Surprised? You received a piece of plastic
#3Consumer Comment
Fri, February 25, 2005
You received a piece of plastic with your NAME embossed, a strip to activate, were TOLD you had an account and you say you were "shocked to learn" you really had an account? Why didn't you call the number on the back of the card to discuss it with them once you got the card? Oh, wait... you cut up the card didn't you? I bet you thought a signal was transmitted to the bank and your account was automatically closed, right? How did you find the internet under your rock? Credit card telemarketers do this ALL the time. The reps are kids in highschool and they get paid a buck for every account they open. "Yes" and "No" mean the same thing: Cha-ching! Hopefully, your lesson has been learned and you'll pay a little more attention next time. Now, here's how you solve your problem: 1. Call Aspire customer service and explain the situation. Find out what the $210 is for. Probably a bunch of processing and administrative fees. Fee income for a bank is the easiest to get waived. 2. If they don't close the account for you with the fees waived, demand to see your signature approving the opening of the account. If they say you accepted the offer over the phone, ask them to prove it with a voice recording. If they say it was internet, demand to get a report of the IP address, date and time of acceptance. 3. Assuming they can't prove it "because you didn't say yes," go up the corporate ladder and keep repeating yourself. Keep in mind: * Always be polite. Do not yell; do not scream; do not swear. You'll only look like an idiot with a limited vocabulary and someone they can further take advantage of. * Keep track of dates, times, departments, reps and extensions you get. Always make sure you document the person you spoke to, what time you spoke to them, how you reached them (direct dial, transfer from someone, etc), how to reach them again, what department they are in, the state their office is in, and the details of the conversation. * You may still get stuck with this bill. * If everything fails, send a letter to their FRAUD department. Tell them that you found the account on your credit report and did not authorize it to be opened. DO NOT state you did not get the card, or anything else that is not technically true. Filing a false fraud claim will only get your account REVOKED (which shows on your credit report as "Closed by Grantor") and you will have lost all credibility with your dispute. * Worst case: pay the bill to protect your credit and continue your battle until one of you decides enough is enough. Good luck and sorry for the tough love, but BE RESPONSIBLE and defend yourself!
