Excella card anna and joe I opened a dispute the begining of January this company has did nothing but told nothing but misleading information about it the original representative did not file the right amount and still to day I have not been compensated completly for it. Indirectlty I have been called a liar which came off to be condesending, unprofessional, no knowladge of the product, or violations of the laws in which should be upheld. This bussisines violates the right of the consumers and im seekeking compenstation nothing but missleading and unfair acts they constantly practice has been has can not understand why this company is still in business. Very immature and untrustworthy individuals. Please do not waste your money with or any affilation with this company. EXCELLA is truely Bad for business. ... your description ..