- Report: #280870
Complaint Review: Salute Visa - Atlanta Georgia
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Author Confirmed
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Salute Visa
P.O BOx 136 Atlanta, Georgia, U.S.A.
Phone:
877-8460043
Web:
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Salute Visa unprofessional, deceptive, probable fraud, Atlanta Georgia
Isn't there a law that requires a company to notify a consumer with 30 days of an application? Or is that optional?
In July or August, I received a Pre-Selection letter from this company. I went online and accepted the letter and applied. About a week later, I received a vague and unprofessional letter saying that they needed a copy of my ID and a recent statement that listed my address. They said if they didn't receive the information in 21 days, they'd cancel my application.
I googled their company and asked if I could fax the information and she said I'd get a response in 2 weeks. On my first call, I asked why I needed to submit things since the address of my Pre-Seclection letter, my application, and letter from them had the same address. 2 weeks later and no reply, I faxed it again.
In the past 2.5 months, I have called them at least 7 times and I get different answers. They have an application department that deals with the applications. However, the Application department doesn't take calls and it piggybacks to their customer service department who onl;y deals with customers.
They told me that letters have been mailed to me and next call they say wait for 7-10 days to get letter and it repeats in cycles. I tell them I am man enough to accept the fact I may've been declined and they can tell me if I've been declined and wait for the reason. They tell me half of the time that they can't give me that information and the other times, they could tell me they'd tell me if a card was enroute.
They also have given me different dates on when the application was pending. My application is pending with a rep but a supervisor tells me differently. There's a difference between pending and a finalized (will get card or letter) application .
I eventually found out they're related to one of my cardholders Aspire. When I asked why it was taking so long and why information was needed, they said they're 2 separate companies despite the fact this company recognized my phone number and wanted my last 4 of my (Aspre) card.
While some consumers have bad credit and this card may be the only option for them despite the fees. However, I'm quite sure that
J.R.
louisville, Kentucky
U.S.A.
In July or August, I received a Pre-Selection letter from this company. I went online and accepted the letter and applied. About a week later, I received a vague and unprofessional letter saying that they needed a copy of my ID and a recent statement that listed my address. They said if they didn't receive the information in 21 days, they'd cancel my application.
I googled their company and asked if I could fax the information and she said I'd get a response in 2 weeks. On my first call, I asked why I needed to submit things since the address of my Pre-Seclection letter, my application, and letter from them had the same address. 2 weeks later and no reply, I faxed it again.
In the past 2.5 months, I have called them at least 7 times and I get different answers. They have an application department that deals with the applications. However, the Application department doesn't take calls and it piggybacks to their customer service department who onl;y deals with customers.
They told me that letters have been mailed to me and next call they say wait for 7-10 days to get letter and it repeats in cycles. I tell them I am man enough to accept the fact I may've been declined and they can tell me if I've been declined and wait for the reason. They tell me half of the time that they can't give me that information and the other times, they could tell me they'd tell me if a card was enroute.
They also have given me different dates on when the application was pending. My application is pending with a rep but a supervisor tells me differently. There's a difference between pending and a finalized (will get card or letter) application .
I eventually found out they're related to one of my cardholders Aspire. When I asked why it was taking so long and why information was needed, they said they're 2 separate companies despite the fact this company recognized my phone number and wanted my last 4 of my (Aspre) card.
While some consumers have bad credit and this card may be the only option for them despite the fees. However, I'm quite sure that
J.R.
louisville, Kentucky
U.S.A.
1 Updates & Rebuttals
John
Louisville,Kentucky,
U.S.A.
J.R.....Watch Out
#2Consumer Comment
Thu, October 25, 2007
I eventually found out they're related to one of my cardholders Aspire -------------------------------- These predatory lenders are like magicians...they have multiple tricks up their sleeves to trick and con you. They have one favorite trick that they LOVE to play and they might being doing it here: They might have already approved you for the card and they most likely have assessed $75 up to $150 in fees....The LOVE to let several months go by without your not receiving a statement so that they can let the card accrue HUGE late, over the limit and other assorted "creative" fees....Don't be surprised if three months go by without receiving a statement...then boom...you start getting collection calls for your $600 balance. I would send them a letter via Registered Mail with Return Receipt, requesting whether you have been approved...If so, what is the account balance and due date. Write the registered mail # on top of the letter. KEEP ALL COMMUNICATION in writing and send the letter via Registered Mail with Return Receipt. Talking with them will get you no where.
