Complaint Review: USA Credit - Nationwide

If the second radio station has problems with a signal, then they should get better equipment, and it is the same way with cell phones or anything else. Anyway, the terms and conditions did not say that I would be charged a second returned check fee or be signed up for a "credit check service." I did not know about the post-dated checks thing and I'll keep that in mind later. I was completely willing to pay the fee I owed, but USA Credit was trying to milk it and get all they could from me. Well-known, legitimate companies do not care if you call the BBB, because they know that they won't have any repercussions to deal with, as they are a big, respected company. It is always smaller, less-legitimate companies that care, because they very well could get shut down by these complaints, especially when it's about them taking money that they shouldn't. I understand that there might be many satisfied customers of US Online, and I am sure that if my payment had gone through and they had got money from me, then my encounter would have been much different, but since it didn't, they tried to fraudulently take whatever they thought they could get away with.

If the second radio station has problems with a signal, then they should get better equipment, and it is the same way with cell phones or anything else. Anyway, the terms and conditions did not say that I would be charged a second returned check fee or be signed up for a "credit check service." I did not know about the post-dated checks thing and I'll keep that in mind later. I was completely willing to pay the fee I owed, but USA Credit was trying to milk it and get all they could from me. Well-known, legitimate companies do not care if you call the BBB, because they know that they won't have any repercussions to deal with, as they are a big, respected company. It is always smaller, less-legitimate companies that care, because they very well could get shut down by these complaints, especially when it's about them taking money that they shouldn't. I understand that there might be many satisfied customers of US Online, and I am sure that if my payment had gone through and they had got money from me, then my encounter would have been much different, but since it didn't, they tried to fraudulently take whatever they thought they could get away with.

If the second radio station has problems with a signal, then they should get better equipment, and it is the same way with cell phones or anything else. Anyway, the terms and conditions did not say that I would be charged a second returned check fee or be signed up for a "credit check service." I did not know about the post-dated checks thing and I'll keep that in mind later. I was completely willing to pay the fee I owed, but USA Credit was trying to milk it and get all they could from me. Well-known, legitimate companies do not care if you call the BBB, because they know that they won't have any repercussions to deal with, as they are a big, respected company. It is always smaller, less-legitimate companies that care, because they very well could get shut down by these complaints, especially when it's about them taking money that they shouldn't. I understand that there might be many satisfied customers of US Online, and I am sure that if my payment had gone through and they had got money from me, then my encounter would have been much different, but since it didn't, they tried to fraudulently take whatever they thought they could get away with.

If the second radio station has problems with a signal, then they should get better equipment, and it is the same way with cell phones or anything else. Anyway, the terms and conditions did not say that I would be charged a second returned check fee or be signed up for a "credit check service." I did not know about the post-dated checks thing and I'll keep that in mind later. I was completely willing to pay the fee I owed, but USA Credit was trying to milk it and get all they could from me. Well-known, legitimate companies do not care if you call the BBB, because they know that they won't have any repercussions to deal with, as they are a big, respected company. It is always smaller, less-legitimate companies that care, because they very well could get shut down by these complaints, especially when it's about them taking money that they shouldn't. I understand that there might be many satisfied customers of US Online, and I am sure that if my payment had gone through and they had got money from me, then my encounter would have been much different, but since it didn't, they tried to fraudulently take whatever they thought they could get away with.

Did you not read in my post about this company that I thought a $20 returned check fee was understandable? I was willing to pay the $20 for MY mistake. They tried to withdraw the money twice and charged me 2 returned check fees. I did not say it was OK to try again, and they did anyway, and then tried to charge me $40 instead of the $20 I would be willing to pay them for the first returned check fee. Then, since I did not have the money for the credit card fee, they instead signed me up for a "credit check" service that costs $9.95 a month. I did not agree to be signed up for this service, but was signed up for it. My husband usually takes care of these things and just thought the charge was something I had signed up for. I noticed this charge and called. I was told what it was for, and said I did not sign up for it. Then I was told about the $40 returned check fees. I said that I was willing to pay $20, but I wanted the other returned check fee and the $9.95 taken off. I was told that I could have all off the fees (including the $20 I was willing to pay) taken off if I signed up for some roadside assistance junk for $5 or so a month. I said ok. Then I called my bank and explained this to them. The woman said that if I did not verify to have USA Credit try to take the money out again or sign up for the credit check services, then they could not charge me (fraudulent charges). I decided I would rather pay the $20 I really owed them, instead of $5 a month for something I would never use. I called USA Credit and told them that I wanted the $9.95 and the second returned check fee taken off, the $5 a month charge cancelled, and I would pay the first returned check fee, because that was my fault. They told me there was no way they could take the second returned check fee off. I tried to explain it to them that I had called my bank, and the woman with the bank said that everything but the first returned check fee were fraudulent charges. When I told the man on the phone this, he suddenly got very rude. I told him that if I had to pay $49.95 instead of the $20 I truly owed them, then I would call the BBB. He put me on hold and my phone died because I was waiting so long. Another man called me back and told me they would take every charge off, including the $20 I had agreed to pay, and cancel the Roadside assistance.

If anyone has EVER had a wireless/cellular phone, then you should check out the complaints about them here. MOST of the time, they are complaints about things that are contained in the "terms & conditions" of their service which they did *NOT* read when they signed up. I used to work for Cricket Communications's (you can search for their complaints on this site) Customer Service hotline. I got complaints all the time about their service, but it's interesting that people FORGET that wireless/celluar phones use *radio* frequencies to transmit voice and data (which is explained in the terms & conditions of EVERY wireless carrier). Customers complain about "dropped calls". Whenever they complain about it, I usually say "Think of it like this. Your cell phone is much like a car radio and it receives signals from raido towers. When you drive in your car, do you pick up every radio station perfectly? If not, then you cannot expect wireless/cellular service to be any different. I actually used to live across the street from 2 radio stations. One of them I picked up really strong, just about anywhere and even up to 50-75 miles from the city. The other I couldn't even pickup good until I was at least 5 miles from the station. Perfect example. Many times people blame the companies' for their billing, but many times it's the customers own fault because they didn't understand it from the beginning when they are told exactly HOW to read their bill. Sometimes, it makes me wonder "have these adults EVER paid a bill before?" You wouldn't believe how many people would complain to us about them not paying their bills in full and expecting to *not* pay for the amount they didn't pay the previous month... I really feel for you Sondra, but let that be a lesson to you: NEVER give a company a post-dated check over the phone. Federal regulations actually prohibit the giving of post-dated checks over the phone. They are processed immediately to check if funds are available.

Sondra, Think about this for a second? Would a legidiment company care if you went to the BBB? Highly doubtful. That'd merely keep your money, and let you report them. All it does is give a company a bad reputation, however, they still are around. Now, on the other hand, take for instance, companies like USA credit, Sears, Denny's, Walmart (all legit companies), they try and satisfy each and every individual customer, so mentioning the BBB isnt merely a fact that you are reporting the company, it is merely because you are a dis-satisfied customer for one reason or another. USA credit is here to help individuals re-establish, establish and/or enhance his/her credit. The company has been around for 12+ years, and has thousands of satisfied, the company will even go through lengths to make you happy, such as taking requests for new products, offering a postdating on your membership charge(s), etc. Then, not only do you get reported to the credit bureau once, but anytime you have positive activity on your account - This is to help YOU, and is a little courtesy that the company does do. Sad thing about sites like this, is that you only see the upset customers, which if you think about it there aren't many on here, compared to the thousands of members that are happy & understand what the program USA credit offers is all about. But anyway, back to the point, if you call just about any company and threaten them with the BBB, then generally you are going to have them trying to satisfy you, think about it...do companies that are million dollar corporations really want you to be unhappy? Happy customers means better business; so no company is based upon un-happy members. The only individual to blame anything on is yourself mam; you applied for the services that USA credit offers, then before balancing your checkbook, realized that you'd be over-drawn got mad - Don't blame a company that is/was trying to work with you, for your own faults. YOU are the only one that was being helped with the offer.