Aspire Visa

Credit report info sent by this company - I told this company this card was stolen years ago. I never used the card. I never made purchases with this card. My wallet got stolen and it was never recovered.

My account was paid in full several years ago through a buyout. I have proven it to the collection agency at least 7 times. They called again today and wanted me to pay again! I refuse to send paperwork again, proving I have paid. It hasn't made any difference in the past. Look through your records carefully, I have paid this! You should have to prove I owe it. I should not have to prove myself again!

I had an Aspire credit card for I think about 2 years. It was a $500.00 credit limit, so I never got to carry a huge balance. I used it for emergencies usually as I have 2 other credit cards with much higher credit limits and I never had a problem with those cards. I charged some smaller items, always paid my bill on time or maybe one day late. They would soak me for 40-50 dollars if they got the payment a day late or even just said that the payment was late! It was a constant headache. They would call me before a payment was even due, tack on all kinds of crazy fees and the crazy fees just kept adding on. The last few months, they actually started charging me a $7 payment fee, meaning I had to pay them $7 to give them my money! That was on top of a processing fee, a cardholder fee and an interest rate that climbed every month.

On March 3, 2008, I got a tax return and wanted to pay the account in full and cancel the card because I was just done with them. I made a payment of $435.80 on 3/3/08 over the phone, directly from my checking account. I must have told the woman 5 or 6 times that I am paying this in full and I want it cancelled today. Yes, you are paid in full and your account has been cancelled. About a month later, a man (Indian) called my house saying he was from Aspire and that I owed a $7 monthly maintenance fee. I told him there was no way I owed them a dime, the account was paid off and no longer existed. I asked when this charge happened and he said it was put on my card, about a month after I cancelled it! How can you put a charge on a credit card that has been closed?

In no way is this legal. I have gotten two letters in the past 4 years saying now there was interest building and I owed them $196.00 as of the last letter, sometime early last year. I just got a call from a collection agency, saying they were collecting a debt for Aspire. I told him the whole story and didn't seem too concerned. I want this off my credit score! I don't owe them anything! They robbed me blind when I had the card and they are still trying to do that. We need a class action and I am more than willing to provide any information I can give in this matter. We need to sue, even for only our credit being restored! The activity in which Aspire conducted was criminal and this needs to be stopped. My heart goes out to all the other people that went through this horror story of a fraud-filled credit company. Thank you for your time.

I had an Aspire Visa Card approx. 10 years ago and paid them off. I am checking my credit report and come across a creditor by the name of Jefferson Capital System. When I called, I learned the account was Aspire Visa and I owed $2252.65. I was appalled because this account was paid in full. Now, I am being pushed around and cannot get an answer from Aspire Visa, Jefferson Capital or ALLW Sourcing.

A couple of months ago, I set up a 3-month automated payment plan with Aspire, but they did not process my payments. When I called, I discovered that the bank account number they were using was off by one digit. When I checked my online record, the number was correct. When I asked to speak to a manager, I was told that no one was available and that I need to call back the next day during EST business hours. Because of my work schedule and current lack of a cell phone, making a call during those hours are difficult. I said I would try, and the customer service rep wouldn't accept my answer. They never offered to call me back or made any effort to put me on hold to wait for the manager.

I then went online and attempted to pay off the full balance, but the payment seems to be in limbo. Apparently, they attempted to process my original payment after we spoke by phone, even though I did not give them permission to do so. They called again today to say that my payment was late, and when I told them that I had paid off the account online, which is how I usually pay, they checked and saw that I had indeed done this But they still seemed confused. Apparently, they have been processing and cancelling payments at their leisure.

My payment still has not gone through, and I was told over the phone that they would wait a week to see if my bank would allow the transaction. I've never had to wait a week for a payment to be processed in the past, and I am very suspicious of this company. Neither of the customer service people seemed to know what was going on or how to respond, but the second person seemed a little more informed.

I am extremely sorry that I ever agreed to do business with them. It's been a hassle, and their representatives seem clueless and ill-trained. Considering that the company shut off all the credit cards without warning, I wonder who am I attempting to pay and if the fees I am being charged are legal. This company and their practices need to be investigated.

I received something in the mail today, stating that my state taxes were garnished, due to a debt that I supposedly owe to Aspire Visa. They collected $460.00 from my state taxes. The problem is that they have received their pay off money in 2005, and I sent it to them with no response regarding my payment. Now, 7 years later, they are taking my state taxes, and saying that I owe them $2,313.34 dollars. This all for a card that started with a $500 limit. So all together, for this, they have already collected over $1,000.00, and still want another $2,313.34. When you call the company that advocates for them, they are rude. They say they don't know what to tell me, and then say were going to continue to collect a debt. This is not a debt that I owe!

I had a card with Aspire. I paid the entire balance with money from a tax return in April 2007. I cut up the card and didn't think anything else about it. In September 2009 I got a letter from a collection agency saying I owed money, but they wouldn't even tell me to whom. I eventually found out it was Aspire. I have told them several times the account was paid off and closed. I even sent copies of the check I sent to aspire. The last I spoke with anyone about this was October 2010. They stopped sending me letters but somehow this ** is on my credit report that was pulled up today when I tried getting a loan. It shows that I had correspondence with them 4 months ago! Yeah, I was in Iraq 4 months ago and surely didn't talk to anyone from Aspire or Midland Credit. How in the heck can I even contact them when it shows their phone number as (111)111-1111?

I am very disappointed in Aspire and the Visa Card I had with them. I was in good standing and they closed my account a several years ago. I had a pretty large balance, so I have been paying off my balance every month. I have not been late. I usually pay online, but today, I tried to pay them and the website will not work. I cannot find a phone number. I signed up for paperless billing so I don't have a paper bill to get a number from.

Well, I got the protection on my account so that if I couldn't pay or lost my job they would pay the account. It never happened. I also want to know if they can be taken off your credit report if they are bankrupt and do I still have to pay them?

After this scam credit card offered by Aspire Visa, I had a $75 starting limit after charges. So I spent $75 and out of the blue, they closed my account. Then for 15 months, they charged me fees totaling over $900. So $75 in actual use and now, I have over $1290 in collections. I am reporting them to every agency that will listen because this has happened to thousands of people and I don't see how they can continue to prey on people. I thought loan sharks were illegal. They did commit over 8 illegal acts while I had an account, according to credit card laws.

I am trying to deal with this situation as soon as I can before I actually get served with the papers I am being sued. So far, it is a threatening phone call by a "law firm" who they say "bought out" some overdue accounts from Aspire Visa. They claim that I borrowed money (wouldn't say how much) back in 2006. I honestly don't remember getting this card or not. However, a man claiming to be from the firm says I am going to be sued for over $2,400. He was very rude and seemed not to care about anything but getting the money. He asked me for some kind of number or case number of which I don't have. He seemed to be surprised that I didn't have this information. I haven't even gotten any statement at all, ever, and I understand Aspire Visa went bankrupt back in 2008.

I don't understand how these people can let some account go for years and all of a sudden drop a bomb like this on someone. I really need help as I can't afford any lawyer to keep this from happening even being in the dark, if I did in fact use this Aspire card. I know, even back then, that my credit rating was bad and for anyone to try something like this is baffling! I know for a fact that I have tried to obtain some kind of a "credit card" but have always been turned down. For ten years or so, I have tried with no avail, so where did this come from? I need help now before the thing hits the fan and I am strapped with no defense other than "I can't remember." They contacted me on 8/11/11 and today is 8/18/11, with no activity yet.

After having this card for a few years (a company that is apparently owned by the same company), salute; they contacted me to open an account with them. After both companies increased my credit line a number of times, they closed both accounts saying they were no longer in the credit card business. I am still paying on both accounts, and neither will discuss lowering the interest rate they charge.

I opened my first credit card account with this company in 2007 and was notified that they were closing all accounts due to bankruptcy in 2008. At that time I had a balance of approx. $1700. Since that time, 3 years ago, I have been paying the balance off. I was new to the entire credit card game, therefore I was only paying the minimum amount due and then eventually started paying late. Although I have no account to use, I have been paying and paying and my balance has only recently gotten below $1000.

In the past 6 months, I've paid $1050 and I still have a balance of $900. When I started paying 6 months ago, my balance was $1600. Is it just me or does this sound crazy!!! I can't afford to give this company all of my money! I have tried to negotiate a flat payment AND requested that they reduce teh APR, but everytime I ask for any type of assistance, they simply answer, this company doesn't do those types of negotiations.

I would love any guidance or help anyone can offer. I can't believe a practice like this credit card has in place can be legal. I've seen so many people with complaints against them, it seems like we should be able to pull together and sue them!!!

Aspire closed everyone's account and still charging me 29.99% interest rate and their payment website lists this: Payments are posted to your account upon receipt. We reserve the right not to increase your available credit until your payment has been processed and verified, which may take up to 5 business days.

We reserve the right not to increase your available credit? What the ** are they talking about?

My mother opened an account with Aspire and registered me as an authorized user. The card went bankrupt and the account was closed. Now there is a 29% APR and I am trying to settle the balance, but there isn't any phone number to contact them. I have sent e-mails, but have gotten no response. At this APR, I will never be able to pay this down. I need some assistance on how to move forward settling this issue as it stands it appears on my credit report and I am in the process of cleaning that up. Thank you in advance for your assistance.

They have sold my account to Midland Collection agency, located in San Diego, CA. And it showed $1040.00 to pay off with the courts. They are trying to garnish me and this was in my bankruptcy.

Payment was made to Aspire Card on time through SunTrust Bank on line, but the payment was posted nine days later and a late charge was applied. This has happened quite frequently in the past. I never had any issue with any other business about my online payment except Aspire Card. Is this another scam by Aspire? My balance is only about $530 with a minimum payment of $16. By adding a late charge of another $16, my payment for this month is $32.

From the very beginning, I have not trusted this card company. In December 2008, they advised me that Columbus Bank and Trust (and serviced by CompuCredit Corporation) was no longer sponsoring Aspire and they closed my account.

I retired in June of 2009, and my only income is Social Security and a small State Pension, so I asked James, ID: ***, if I could speak to someone regarding a "hardship" program. He stated that there was no one else he could refer me. Since the closing of my account, this "James" is the only person who ever answers the telephone. I asked him to close my online payment account, but what I have learned is when I pay by phone, I do not have to give any banking information and the bill is paid. I am very curious about this business. Now when I call the number listed above, no one answers. I wanted to work out a smaller payment plan, due to change in my income, but my contact is only automated now. I am concerned about who is getting my money.

I had an account with them. They closed it with an outstanding balance of $350. After months of making $30 payments, the balance was up to over $500. I sent a letter with a check for $300; both the letter and the check clearly state this is a settlement offer and negotiation of the $300 check constitutes their agreement to the settlement. They cashed the check but haven't closed the account.

I am trying to pay my bill on time as I do every month. Aspire CC has set the dates on their calendar to 12-10-10 as the first time I can make my payment. My payment is due on the 6th of every month. I do not want to pay their late fees nor do I want them reporting me to the credit bureau as being late. I am worried that they will do both, charge me late fees and report me. I have excellent credit. I have tried to call them and there is no phone number listed for them.

I called this card service and was told that I had late payments, which is not true. I pay on time every month. They closed my account and now, they keep on overcharging with fees. At this rate, I will never pay them off. Why do I have to keep on paying high interest fees when they closed my account? I would like to file a class action about their practice. Is there anyway I can do this? Somebody needs to step in and help us stop this practice.

While serving on active duty with the U.S. Army, I opened an account with Aspire visa (2000). I only used the card a few times and paid all the bills on time. In 2001, I got married to my husband who was active duty Navy and we were transferred to Italy. I continued to pay my bill every month until we thought it was paid off because I never received another account statement or bill from them.

In March of 2002, I flew home for a visit while in the States. I called Aspire to find out why I could not use the credit card in Italy. They told me that it was not authorized for overseas use and that the account had been closed anyway so I could not use it anywhere. They wanted to know if I would be paying off the balance with a check or another credit card. I explained to them that I had no idea what the balance was since I had not received a bill for them in a year. At that time, I gave them my address in Italy so that they would send me a bill and account statement and I would get it taken care of. I haven't heard from them to this day. However, I have been getting calls everyday since I moved back to the states four years ago from two different collection companies wanting me to pay them $1300 for a credit card that had a $300 limit on it and had been closed but they insist that it is still open and active.

I am a disabled veteran and do not have a job. I am tired of being harassed by these people and don't know what to do. I do not know how to contact Aspire about this matter and since it has been nine years since they closed my account. I don't have a bill, account statement or even know the account number anymore. If I still owe them money, why did they never send me a bill? I received all my other bills in a timely manner even after I moved to Italy. I need this to stop!

I also had an account with Aspire Visa and never missed my monthly payments. Then one day, I got a letter stating the account had been sold and I would be getting a new card. Upon receiving the new card from Tribute Bank (Visa), I learned the account was closed permanently. Over the past 18 months, I have paid my account on time but two months ago, they misapplied a payment and then called me regarding it.

When I agreed to have the new payment auto debited, they were supposed to credit the fee and expedited charge. Now, I see where they continue to charge me a late fee stating I am not paying the balance. I also have questioned the $9.95 maintenance fee but after finding my old credit info, I see that the fee should have stopped when the account was sold and transferred because it is a yearly fee not a maintenance fee. I plan to notify the the proper authorities and seek legal action because this card should be paid off and any balance refunded to me immediately. I urge all persons to seek an attorney and proceed with a class action lawsuit.

I opened a secured card up with Providian for $1,200.00 in 1997. About seven years or so later, my account was transferred to Aspire with. Then, I was charged $1,100.00 for the card shortly after I noticed that I had no available balance. At that time, I called Aspire and they informed me that my account had been closed. I went back and forth with them for three years about where my security deposit was--not one person even knew what a secured card was. I then told them that when they find my security deposit, they should apply it to my account and I would pay whatever late charges will be accumulated. Well, they sued me for a total of $1,900.00 because Providian decided not to inform Aspire that my card was a secured one. After 13 years, I have no record of my security deposit.

Call Center calling repeatedly and harassing for payment. Attempted to set up payment plan but rep refused, I stated that a payment would be made the first of the next three months. The rep kept stating that I needed to make the payment immediately or face consequences. Again stated that the payment would go out the first of next month and the rep kept pressuring for a payment earlier. The calls are frequent and several times a day from dawn to dusk.

My daughter attempted to speak on my behalf with my permission and rep refused to speak with her. When she asked for a supervisor, the rep said he could not get one, my daughter asked again and the rep stated that she did not have a "valid reason". Eventually, he said he would get a supervisor. When the rep returned, he stated that a supervisor was not available. She then asked for a rep in the US, he refused, repeatedly. The service rep then disconnected the call.

I have been receiving numerous phone calls from Aspire Visa regarding my mother's credit card account. My mom just got released from nursing home on May 24, 2010. I reported to Aspire in Aug. 2009 that she was in nursing home. I told them I was her power of attorney, and that she could not make any payments. They continued to call, and I would just hung up. In June 2010, I made one payment to them from my bank account hoping it would stop the calls, but they have escalated and become harassing me and my 13-year old daughter. They call the home phone and my cell phone at least 20 times a day. They give false names and they have an Indian accent.

I filed complaint to the FTC with the number 18005731039, which is number they were using. The calls stopped from that number, but now they are using 000-000-0000 to call. They call asking for me, not my mother, who has the account and I tell them they have the wrong number. The man taunts my name and says, hes not hanging up. When I do hung up, he calls back. I called the landline phone company AT&T, but they cannot block calls because she does owe the debt. My cellphone company Verizon just blocked the 18005731039 number but cannot block 000-000-0000. I'm so stressed. I cannot sleep and it's affecting my life and my daughters. What can i do? AT&T said the number is from India, but Aspire is in Atlanta, GA.

I have been trying to contact this company concerning my neighbors account. She is 90 years old and has a credit card from this company. They are claiming she has a account balance of more than $3500.00. The card she showed me has expired. I want to ask them how can she use it to charge anything when it has expired. Each month the balance keeps going up. When I tried to call and they transferred the call, I get disconnected. This has been going on for 2 months and I am fed up. This lady needs help. She is on a monthly fixed income. If anyone has the answer please contact me at my email address, so I can do what I can to help her.

These two are the same company and after Aspire lured me in with a low interest 'to help rebuild my credit' they then sent me another card that I did not request or agree to and in fact because I thought it was only an ad letter I threw it a stack and didn't open it for over a month until I got a bill for a charge on that card. Apparently, they charge an annual fee and had applied it to a card that I had neither requested, or called the number to activate the card. Because I already owed the fee and they wouldn't close the account unless I paid it, I ended up eventually using the card during a hardship and faithfully paid every month on time, even then they'd already raised my rate for no reason.

I paid on time for about two years, then I lost my job in 2008 and still made reduced payments on time for several months but they kept calling and calling anyway. I finally told them that I had nothing left to pay with, but they called me on my home phone, my cell phone and even on my husband's cell phone at least 6 times per day from each; Tribute and Aspire and from all different area codes and numbers. They were relentless. It got to the point that we stopped answering our home phone and often didn't bother to answer our cell phones either.

The worst part, my husband was already suffering from a severe depression and had gone through rehab for alcohol addiction. Then, he got laid off and these horrible phone calls just kept coming and coming and even when he didn't answer them, the sound of his cell phone ringing just drove him up the wall. Until he finally started drinking again and had a complete mental break down and had to be removed from our home by the police! He's a nice man but he just couldn't handle it on top of his other problems. He ended up so drunk and so deranged that he ended up in jail with attorney fees, lost his unemployment and is now likely to lose even more. Maybe if they wouldn't have constantly called, it wouldn't have happened. Tribute and Aspire (the same company, they lie about that) called three phones at least 6 times a day each! That's hearing our phones ring 36 times a day!

I got an Aspire Visa Card over 4 years ago due to the advertising which stated that I could rebuild my credit after a bankruptcy. I faithfully paid my bill on time over and above the minimum and paid off the balance several times.

They began to increase my limit periodically in increments of $500 until I had a limit of $2000. Suddenly about 2 years ago, I received a notice stating I would no longer be able to use my card. I then noticed months later that they had raised my interest rate to 35%!

When I called them to dispute this, they told me they had the right to raise it at any time according to my customer agreement. Feeling that I had no recourse, I continued to make payments.

I suddenly was laid off from my job in 2008 and that led to me having to foreclose on my home since my income had dipped to one third of what I was earning. I contacted Aspire and asked if I could make a settlement on the account due to financial hardship. I explained my situation and told them I needed to do this because I could no longer afford the payments.

It took two weeks before anyone contacted me and they told me, "Sorry about your financial hardships but we are not offering any settlements at this time". When I asked why, they just repeated the same statement. I pressed further and finally he said, "This is our policy".

I told him then I would no longer be able to continue paying on a card with an interest rate of 35%. The interesting thing is that they didn't return my call until the day before a payment was due. Two days after the payment was due they began calling me about my payment and for the last 6 months, I have received calls 3 to 4 times a day at all hours harassing me about my payments.

I have refused to speak to them or answer their calls. This is purely criminal to me. The company who touted themselves as helping people repair their credit now has become the predator. I refuse to let them drag me into financial slavery for the next 10 years. Someone needs to stop them!

This account has been closed for over a year and for the life of me I cannot figure out why this company can and still charges an account maintenance fee of 6.50 per month. I always pay well over minimum due but the balance seems to be going nowhere. I think it should be against the law for them to charge this as they are not maintaining anything. I am just trying to pay this off. This card is the worst I have ever dealt with and after researching, there's a lot of people with the same complaint, and oh my gosh if you're late, they jack the interest rate up to 31% and they make it very hard to make payments online.

I have spent 2 hours today trying to get to a payment screen to pay on line. They allow people to open these accounts, then close them even if there is a good payment history like mine and still collect all these fees. Please help consumers like myself. Typically, I do try to pay double of the minimum payment but it's going no where. Help! this company makes it very hard to get out from under them due to all of their over charging and the account is closed. Trying to pay online is crazy very hard to do I guess, so if you're late they jack up interest rates and a late fee. They should be put out of business, I do not mind paying my debt but this company is one of a kind!

I, like so many others, had Aspire closed my account. I was never late on payment and I still pay each month to keep my credit clean but Aspire Visa/Bank still charges me a monthly account maintenance fee. I don't see how the consumer affairs can let this keep going on. Have you looked at the complaints that people are writing? We are saying the same thing. My wife also has one and the same thing went on but there they offer to pay 1/2 to pay off. I do owe the money. I don't think I should be charged a monthly fee. They closed it, not I. I think that Aspire will make tons of money on people just like us.

My account has been closed now for 3 years, and every time I make a payment, they hike up my balance. Also, they are charging me $9.95 just to process a payment over the internet, when before it was free. This is crazy, and they need to do something about it. don't no one have this type of money to give them, and my balance is 300 something. I should be finish by now. I do not use the card at all. This is horrible.

They keep raising my balance account, has been closed for over a year like for example my balance was 568.00. I paid 40.00 and the next month my balance is 575.00. I'll never get it paid off at this rate. They always have more fees than what you pay. My account is not ever late or over the limit. So what can I do? Paying way more than the account balance when they decided to close everyone's accounts.

This account was closed about 2 years ago from Aspire stating that they will no longer be carrying credit cards. However, they still charge late fees to my account! Also, for 2 1/2 years, they never reported to the credit bureau and when I call to inquire, they finally reported then placed late fees. I didn't have on my account!

More than a year ago, Aspire cancel my account without any ad. After that was a nightmare, the interest rate rose up to 29.75% and still, I called several times to complain it, but without any success, like a stone wall. My credit line was $2,500.00 when they canceled the account, the balance was $1,400.00. Now, after a year, the balance is $1,092.00 when I have been paying $100 every month. I paid more than $1,400 and reduce my debt to $308.00. Also Aspire charges for every thing,. If you pay by phone, the last time I have used was $14.00, their website doesn't work for more than 6 months, don't send the bills regularly.

Aspire closed my account over a year ago. After falling behind payments and getting numerous phone calls, they offered me a plan to pay 10% of the balance with no interest as long as I paid the past due. I did that. I have paid on time and now they started to charge interest again. When I called, they said the program was for a year. Even the supervisor said there was no program to continue that. They closed the account with absolutely no explanation and I was paying up til the time they did that. I am willing to pay according to the terms they offered when they closed the account and I got behind. I don't understand the inability to continue this payment arrangement and why they are so callous. If anyone gets an offer to get a card through Aspire - Shred it. I haven't checked my credit report to see if it was negatively affected.

I had an account with Aspire and they closed my account without my knowledge The account was opened in 2004 and my interest rate was 9.9% and now it's 2010 and it is 27.50%. They still continue to submit negative information to the credit agencies as if I closed the account .When their office was the one that actually closed it

One year later I informed them that I was unemployed and I asked if they could decrease my interest rate and lower my payment. I was told in order to decrease my payment the account could not be current. Then I became unable to make the payment on time. I was then placed on a plan of $39.00 a month once I made the first payment and they started calling to harass me to bring my account current before the payment plan will take affect. This has caused my credit score to drop nearly 75% and the increase of the interest rate and the late fees makes it impossible to pay the balance off.

Aspire Visa Credit Card company has been practicing applying frivolous charges to a credit account that has been closed. They notified me that they were closing my account around the time the FTC filed a lawsuit against CompuCredit and have since then been applying offer the limit credit fees, late fees, interest and maintenance fees on a closed account. I wanted to pay the account off. But every time I receive a statement, there is always additional frivolous charges applied to scam the consumer. I would like to file a class action against them for their fraudulent credit card practices. They have also reported two accounts on my credit report causing my score to be lowered when I only had one account with them. I need help in filing a class action lawsuit against them. My credit score has been affected as a result of Aspire reporting two accounts on my credit file instead of one.

My account was closed several months ago. I had a balance on the card that I was paying down. Meanwhile, my account number was changed with out my knowledge and when I tried to pay my account online, the system asked for my account number. I was late making my payment and they put it on my credit report. I want to pay this card off in full but I want the late payment removed from my credit report. Since it was their fault. I was told no way. I told them that I will find a lawyer and put together a class action lawsuit against them.

My credit history is destroyed. In this economy, I do not need negative information on my report. This is the only negative thing on my report in over 7 years. I want to take advantage of the tax credit for buying a house and this is preventing me for getting the score I need to qualify. Especially since its a card that is closed.

Look, Aspire wants more fee now: By clicking "Make payment", you understand and agree that there is a $9.95 fee for making payments online that will be deducted directly from your checking or savings account on the date of your scheduled payment. Please be aware that you may see two transactions on your checking or savings account.

I have 11 credit cards, and by far, Aspire is the worst. If you have these cards, I am sure you know what I am saying and should write your local congress person and file a complaint. They change the agreement without notice and at any time. Additionally, they will charge you $9.95 to pay electronically. If you have any sense at all, please do not allow yourself to be taken by these two card companies. You will pay a huge cost to do business with these **.

When the account was opened, the credit was $300. Now on my credit report, they're saying my open line credit was $2,200.00. That is not true. I tried to resolve this matter professionally, on my report the information is inaccurate, unverifiable, and incomplete. Therefore, I asked Aspire Visa to remove this from my credit file. Customer law, from my understanding, the company is no more if they close every one account. I want this matter settled in 30 days or I will notify my lawyer.

In 2005, I paid off my Aspire Visa Card via settlement. Needless to say, they were very difficult to deal with prior to this.

Now, I find on checking my credit reports that they continued to submit negative information to the credit reporting agencies and the most recent in November 2009 claiming late payments. How can I be late on a closed, paid off account? This is causing my credit rating to be lower than it should.

Terrence, don't be a fool. Investigate or bring a consumer lawsuit. Those "big stuff" will need to fund raise or political donation at election time. Would they back us up or those bankers? Just pay Aspire as I do. I guess.

Someone needs to investigate or bring a consumer lawsuit against Aspire Visa. This company appears to be conducting illegal and certainly unethical conduct. See the many comments in the consumer affairs section. A class action lawsuit appears to be needed. I need help.

I have had this account with Aspire and they closed all their accounts last year. I have been making my payments online for a fee of 4.95 charged on the card, which I did not like but it was cheaper than a late charge because I had 5 days to make a payment after I received my bill and it would take 8 days to get to them. They now, as of Jan 2010 are charging my bank when I make a payment online a fee of $9.95 which was never disclosed to me and I have contacted my bank in reference to the charge. How can they get by with charging my bank a fee for making a payment on and account they closed, not just for me but for all their customers?

I went online and got the telephone number for Aspire because my daughter, who does not even live with me nor does she have the same last name, has been getting phone calls from someone asking for me, saying that I owe Aspire over $1,300.00 for a credit card that I paid off over four years ago. The amount at the time was $452.00--that's with over limit fees when they stated that they didn't get payments on the date owed and the reason I cancelled it.

And when I paid them the amount owed at that time, I have not heard anymore from them since. Until my daughter called me stating that she had been called at her number and that the man calling was rude. When I asked her if he left a number to call, she said no and that it came up on her caller ID as "unknown name/unknown number."

When finding the number of Aspire online, I called and was asked to give them my 16 digit account number which I do not even know anymore or my 9 digit Social Security number. After giving them my SS number, they came back by saying that they have no record of an account. How can I keep them from bothering my daughter or me regarding this?

It's upsetting to my daughter who does not give out her phone number to just anyone and to me as to how they got her number and used it to try and reach me--and that the man was downright rude regarding her response that she wasn't me and not to call her house again. I know that there have been numerous complaints about Aspire's practices and that I am not the only one who has cancelled their account with them only to still have them harass them.

I called them to see if I can just pay off the card without paying all of that interest fees they keep tacking onto the card; they told me I had to pay it. I asked them why are they still adding on interest and putting on all of those other payments fees when I'm not using the card. The only thing she can say is I have to pay it, because when I use my other cards, I have to pay interest. I told her yes but I am able to use that card; this card I can't use it, plus I asked her if I could speak to her manager. She said there isn't anything they can do. My question is why do we have to continue to pay all of this extra stuff when we are not using this card?

This company is ripping off people and I agree with one of the other people that has sent in a compliment; they say they want to help people build up their Credit but they are putting us in the hole. I want to pay off this card but I don't feel it's right for me to pay all of the other fees they keep tacking onto this card. I paid this card down to $460.00 or so in October and by the next 2 bills it was back up to almost $700.00. Can someone help us find out what we, as consumers can do to make this right. It's unfair to those of us that is trying to build our credit and no matter how much I try they are continuing to bring us and our credit down. Please someone help us settle this matter. Thank You. Since they don't want to help me or any of the other people, I'm hoping that someone would, the more I pay the more it's costing me.

I have always paid my payments on time, and I just looked online, only to find out that my balance is not going anywhere, but higher! They are charging me for a maintenance fee on a card that they closed on their own, and I have used since November of 2008. They are a complete rip off, and have no contact information. What can we do about this?

Aspire Visa closed everyone's account with no reason. I still make payment monthly with 31.99% interest rate. Now, they increased the payment fee online: By clicking "Make payment" you understand and agree that there is a $9.95 fee for making payments online that will be charged to your credit card account. What a bloodsucking credit company.

I have had this card for quite sometime now. I used to pay online, but they sold this card to someone else, so I usually pay by phone every month. This card was stolen in 2007, and I never got a replacement card, but I continue to pay. In March of 2009, I had a balance of $795. In December, I have a balance of $1,800.00 which they tell me is in late fees for 6 months, and other fees.

What fees? I don't even have a card or a number to use the account. I can get no reasonable answers from the company, except you where late. I pay the Indians every month. They are instructed to call me for payment, and they do, but no one can give me a reasonable explanation for a $1,800.00 hike in fees, but I must still keep paying them. I can't afford a $1,000.00 hike in fees every six months.

I opened an Aspire card account and was paying all my payments on time, sometimes even a week or two before due date and above the amount due. Then, I received a letter informing me that they will no longer keep the account open, but I must continue making payments. I must admit I was a bit disappointed, but I continued to make my $40.00 payment (minimum $20.00). I usually pay on line and there was no fee. Now, I went on line to make my payment for this month and there is a $9.95 fee for processing my payment on line. Not to mention, they charge a monthly maintenance for an account that is no longer active with a credit line. I am requesting someone to look into this matter as I did look on line and found out that there are others out there with the same issues as mine. I went to Aspire card complaints.

Unable to make payments on my credit card which resulted in it going into collections. The company does not have a customer service number I could locate. After I received the card, I checked the available credit of $150.00. I was advised that I would be receiving a minimum credit of $1000.00. My credit score was badly damaged.

I recieved a settlememt statement from enhanced recovery corp. to settle an delinquent account,they recieved the account from Midland Funding LLC who had the account turned over to them from Aspire Visa.I was told the account was opened in Illinois Oct.2005,I resided in NorthCarolina,the account was also opened in my maiden name and I no longer used my maiden name.I used to live in Illinois,but I have not lived there for several years and was not living there at the time the account was opened.I did contact them over the phone and they stated they would stop future credit attempts, at this time I have not heard from them but I still have been unsuccessful contacting the original creditor Aspire Visa to figure out how someone opened the account in my name,I am truely at a loss.

I have no idea who to call. Aspire visa has no phone no. on the bill. I had a charge of 999.99 charge to my account. I disputed it and they denied it. I sent in paperwork in 3 times they said they did not receive it. than they said, they did not receive it within the time fram this was a lie. They have many late fees added to my account when I don't pay late. I send in payments 2 weeks before due date. What do i do???They have also hit my credit report with late payments. Many charges but, not justified.

On Noverber 2008 I received a lettet stating they were closing my account as of December 2008. I always made my payments on time. I was able to make my payments on line thru the Aspire Visa website with no payment fees. Then in february 2009 they started charging $11 for payments fees. I tried to make a payment online by Aspire Visa and the website to longer exist. I never recieved a mail stating they changed their address when I started making payments thru my bank. I made a payment of $200 by error and they claim they recieved the payment a day late due to the fact that they changed their address. I spoke to 2 customer service and a supervisor. The top supervisor said that he would waiver the $35 late fee and I would not have to make the payment of $74 until the end of November. It was never process.

I spoke to another customer service name Priscilla and she assisted me and said that she would put me on a payment plan for 6 months and it will not include interest. My balance as of October 3 2009 was $577.83. Priscilla said that the can take $50 form my bank on November 16th and $24 on November 30th. I called to check my balance December 2, 2009 and my balance is $575.99 (only $2 difference from 2 months ago). They never waived the late fee and they charged me another $35 on top of this. Priscilla never mention that I would pay another late fee. My bill was due on December 2 and they received the money November 30 which is not considered late. As I mentioned before I was never made a payment late. Priscilla said that I would not have to pay interest for 6 months as of November 10th.

I had a Aspire Card for Quit sometime. Always paid the bill. Havent heard from them in over 2 years or so. Threw the card away. Went thru a bankruptucy about 7 years ago. Now got a letter from a laywer stating i owe them 1169.00 for my account. Did they miss sending me the bills or what.

Now gotta try to figure out how to get the information on my account for them to pay. What a rip off. Go onto website, no phone number to offer. I dont care about paying the bill, however i dont want to get charged an arm and a leg in doing so. I am on such a tight budget.

Now i have to worry as a single mother of 2 handicapped kids whether or not my paycheck will get garnished or worse. I cant afford them to take more than $50.00 a month out of my pay[what i normally pay on my credit cards a month] I don't know what to do

I have been a member for years and they closed my credit card along with everyone else months ago. This was my first card out of college and I felt a little sentimental about it, so i never canceled it. THEY ARE A COMPLETE RIP OFF NOW! I am not sure why this is acceptable, why we are paying a monthly maintenance fee, and why we are still paying interest. Now to pay online they charge you a very large amount back to your card, but you can set up an automatic payment program at no charge. I set it up, received a confirmation email, but nothing has been debited. It was supposed to be done on the 26th. They said that the day your payment is due is the only day it will debit. Since I didn't see the withdrwal on my checking account I checked my Aspire card statement and now it's saying I am past due and they are tacking on a late fee. This is the most unethical business practice I have ever experienced. This cannot be right. How can they cancel our cards, and do all of these things that they are doing. Didn't we just have a credit bill passed to avoid these types of things. Something needs to be done. I am contacting my attorney. This was supposed to be a card to help people build credit, not ruin them!

I had a card with them, canceled it after loosing my job. They have now put a garnishment against me for twice the amount of what I owed. This is completly unfair. I need help. I do not have info on where the complany is. Its with a colection company. Being pregnant, you are supposed to aviod stress, this has caused me mental anguish as well as physical stress. I have a writ of garnishment against me for a at a job where i make $7 an hour.

I just like many others had my card closed on me after 5 years and I never missed a payment. Now they charge 9.95 for you to make a payment online and my balance isnt getting any smaller either. It's an outrage.

All we do here to cry about Aspire Visa the way they did to all card holders, SO WHAT? WHO CARE? WHO IS LISTINING? WE ARE LIVING IN A JUSTIC COUNTRY- USA HA HA HA

I had a card with Aspire Visa, paid on it forever and then got a letter from them my account was closed! They called constantly even tho I was making my payment. I finally paid it off and the very next month they sent me a statement for a monthly charge! (even tho they had closed the account) I paid the charge and sent a letter telling them I had better not get another one. So far I haven't gotten another statement.

I signed up for credit card with them. I was making payments then I fell behind. And they closed my account without notice.i didnt hear from them for two or three years and just recently i got this letter saying i owe them around $2,000 dollars plus court costs,and there going to try to garnish my wages from the job they say i work at, funny thing is they have my employer wrong including the wrong state, also right address but apparently i live in an apartment instead of a house, do these court dates actually exist ? This seems so fraudulent i dont know what to do.

I then was served with papers from my local courthouse that I was being sued for over $1400. I decided while I investigated this I better pay something so they didn't try to garnish my wages. I was still unable to get them to provide me with any proof and every attempt I made to contact Aspire was a failure. I stopped paying the attorneys office and requested the information again and still no results and they have again taken me back to court and now have sued me for $1,672.90.

I dealt with Apire Visa for 5yrs and for them to close my account with out any notice and my credit rates mess up from it and them charge so much of intrest. now then get a letter sayn its now another company has taken over. I think this is wrong and I didn't deserve this from this company and how they're wrong from doing this to me and everyone who was affected by their wrong doing. They will pay for what they done and I agree some action need to be taken against these monsters

I have never missed a payment with ASPIRE Visa for 5 years and my account was closed! This has affected my credit rating/report. Now the company has changed who is handling ASPIRE accounts - it is now Compu Credit. When this happens are you obligated to continue making payments? This has ruined my credit since my account status shows closed account!

Does anyone know what is going on about this transfer?? Thanks

So I went ahead and paid the 39.00 plus my regular payment of 36.00. My balnce last month was 914.95, I paid 36.00 towards it and this month my fees were 21.33 and my balance is 921.45. Again I have wrote them and told them that this time I expect an explanation and will go to an attorney and initiate a class action lawsuit if necessary. There are hundreds out there that are having the same problems I am and I think we should not stand for it. It is time we get answers.

I have had an account with Aspire for a few years and always mad my payments on time. Last year I was notified that my acct was closed, not because of my payment history, but because of the bad economy. I have been making my monthly payments on time each and every month since then. On each statment I get, there is a "maintenance fee" of $6.95!! (What exactly are they maintaining I wonder). I called aspire about this and asked them to stop charging this fee for an acct that THEY closed. they said that they would not, they said that it is a fee that must be paid each month.

Now for the last 2 months I have tried to make a payment on their web page and was unable to do so. Last month they said they were having trouble with their webpage so I made a payment over the phone. This month I tried to make another payment and could not. I noticed on the web page that they are now charging a $4.95 fee for online payments!! They have never had this fee before. I pulled up my transactions page and noticed that they have transferred my acct.

I called aspire to ask why and they said the acct was transferred to another aspire acct?? I told them I could not make a payment online and they said they were "having trouble with their web page". This is two months in a row!! I agreed to make another payment over the phone and the operator said there was a $14.95 fee for over the phone payments! I gave the woman a piece on my mind and then she agreed to waive the over the phone fee. I have read alot of the complaints on this web page and see that I'm not the only one with Aspire issues. These people closed my acct apparently because of their own issues and now they continue to charge a monthly "maintenance fee" and are now going to charge another fee if I pay online. This is called "milking it"!! I have no problems paying for what I charged over the years but come on, how many other charges must i pay to get this acct to a ZERO balance and get rid of them forever!!!

I have NO Clue what is going on with ASPIRE,I NEVER CLosed My Acct & I Pay my Bill Every Month & pay ON TIME,if I can pay X-tra I will but there saying I need to pay off My Bal of aprox $800.00 right NOW,are they Kidding Me,I have not even used that card in a very long time,I'm not sure if they even sent me a New one,the old one expired awhile ago & I wanted to pay it down anyway.

I tried for over a week to submit a payment online and it would not accept my payment. I waited another day and tried again nothing happened again so I emailed customer service and told them about my problem. They offered other forms of payment and to try again later because they were having technical difficulties. I tried again and nothing happened. I tried to pay over the phone and my ss number and account number could not be found I called customer service on the morning of my due date only to be told that their system is down and to call back in half an hour and I could try to pay again but my payment would still be assessed a late fee because payments are posted on the next business day and my payment was due on a Sunday. Had they said that this was a long term issue I would have put the payment in the mail a week ago and maybe my payment would have gotten there on time. I am putting it in the mail today on my due date who knows when it well get there.

I opened an Aspire Visa Card in 2005. In early 2007 a suspicious charge appeared on my bill. After finally speaking to an actual person, it was stated that I did not need to pay my miniumun amount due at that time until the discrepency was resolved ( which is also stated on the back of each billing statement.) The next month I received a bill- with a late fee and a notice that my APR had increased.

I again called the company, at which time they again said that it was a mistake, etc and that it would not happen again. Of course the discrepancy was not settled and on the following statement, I was charged another late fee, which sent me over my credit limit, which incurred another fee. I went on for an entire year with them over this-making payments the entire time until I made a payment over their "new" website, which apparently never went though and started a whole new slew of fees. Mid 2008 I refused to keep paying and quit talking to them.

I would rather pay a collections company than deal with this company again. Early this year I started receiving calls at my unlisted number ??? from them and they agreed to drop over $500 in charges if I set up an automatic monthy account withdrawl with them. The first withdrawl came out of my bank account and that was it. Now I get threatening calls five times a day for failing to pay. I am at a loss. I tried to pay them.

I opened an Aspire Visa Card in 2005. In early 2007 a suspicious charge appeared on my bill. After finally speaking to an actual person, it was stated that I did not need to pay my miniumun amount due at that time until the discrepency was resolved ( which is also stated on the back of each billing statement.) The next month I received a bill- with a late fee and a notice that my APR had increased. I again called the company, at which time they again said that it was a mistake, etc and that it would not happen again.

Of course the discrepancy was not settled and on the following statement, I was charged another late fee, which sent me over my credit limit, which incurred another fee. I went on for an entire year with them over this-making payments the entire time until I made a payment over their "new" website, which apparently never went though and started a whole new slew of fees. Mid 2008 I refused to keep paying and quit talking to them. I would rather pay a collections company than deal with this company again. Early this year I started receiving calls at my unlisted number ??? from them and they agreed to drop over $500 in charges if I set up an automatic monthy account withdrawl with them. The first withdrawl came out of my bank account and that was it. Now I get threatening calls five times a day for failing to pay. I am at a loss. I tried to pay them.

I canceled my card at least 6 months ago and sent in the card cut in two. They keep charging me interest and over-the-limit fees. My husband died last July. I was willing to pay what I owed, which was about $500.00 at that time. But they took my money but keep charging me the $70.00 a month. I just quit paying them, because I couldn't get anyone to help me. I was willing to make payments, but it was impossible at that rate. I draw a little over $600.00 a month.

The company, even though I was regularly paying my bills on time for years, ended the credit card program and closed my account for no apparent reason. I was unable to make payments online or even find out why they terminated me. This caused late charges. They did nothing to transfer my account to another card. I do not like paying fees to a company that treated my business so shabbily. I was unable to use my card for traveling and other needs, as they seemed to deny my card every time I used a gas station. I became behind with the payments and my credit picture became desperate.

I obtained a VISA credit card from them in 2005. My credit limit was $250. When I lost my job, I was unable to pay the monthly payments; however, when I got back on my feet, I contacted them to try to make payment arrangements and get control of the account. At that time, I was told that I needed to pay the entire balance which had mounted to over $700 because they were adding over the limit fees and late fees monthly. They refused to work with me stating that my account was being turned over to a collection agency.

The account is now being collected on by Midland Credit Management but they are refusing to work with me on a payment that I can afford. My account balance now exceeds $1575.00 because each month, I continue to incur the undisclosed fees for over the limit and late payments. I cannot pay this amount of money. I cannot afford it. I have tried without any success to get this account taken care of but the collection agency calls my home in the early morning hours, late evenings and calls me at work insulting me, discrediting me, insulting me, demeaning me, and threatening me. They will stop at nothing. They are driving me crazy. I am constantly harassed and told that I am a deadbeat. I have contacted Aspire a number of times to try to enter into a payment arrangement that I can afford. They yell at me. I need help in resolving this matter. I need someone to intervene and assist me in getting these excessive fees reduced and a reasonable payment arrangement. They are ruining my credit and refuse to work with me. Please help!

I attempted to make my July payment to Aspire online. It would not go through. I have been making my payments this way for the past 5 years, even though there is a $4.95 charge for making online payment due to the fact I have been out of the country for the past 3 years. I contacted the company and told them of my problem and that it was the only way I could make my payment. The reply was that there were other options available to me. Again, I explained to them my situation and again, I received the same reply. This went on two more times with the same results. I wrote a lengthy e-mail explaining my situation in detail. The reply I received now was that the system to process payments is down and would be fixed shortly. It has now been over a week and the system is still down and my payment is due on the 11th. It is totally frustrating that I am willing to make a payment but the company is unwilling to help out but is still telling me that if I don't make a payment, I will get charged a late fee. I have googled this company and was amazed at all the complaints against them. Thank you for taking time to read my complaint.

Aspire Visa said I opened an account #** with them in 1999 and used it until 2007. I stopped paying. They sent it to a collections company. I still didn't know Aspire Visa or Midland Funding LLC. I felt it was all a scam after they kept calling and demanding payments, saying I had been paying but then stopped. I had never paid them because I didn't even know who they were. They got nasty on the phone, I got nasty. They called at my husband's job, so he got nasty also. The attorney named above had me come to court. I had no defense to show that I didn't open, use, pay or know of this company, the attorney didn't either. But they did have a typed history of the account and sent me a history also. I had to pay $4,153.72 to a company I never heard of before that time.

Aspire Visa allowed my mother-in-law to open an account in my name somehow in 1999. She charged lots, returned lots, got cash back, cash advances, catalog ordering, went over limit, paid and was charged NSF fees paid even less, until she stopped in 2007. Aspire now sent me statements. I treated it like a scam. Then calls started early and late, even on my husband's job! I asked for anything with a signature or bank account # P.O Box. All I got was ** up credit and nasty phone calls that pushed me to use some choice words.

In 2003, I had an Aspire Visa. I had trouble contacting this company. There wasn't a toll-free number or a number on the bill, so when I found the bill was wrong, I couldn't contact them to straighten it out. I found a number, but I couldn't understand what they were saying or they would not answer. I always got a tape recording. After 6 months, I gave up. Now after 5 years, they have contacted me and taking me to court stating that I was notified. Out the blue, they're contacting me. But the way it sounds that they contacted in 2006, no. They want 8% more annually. I originally only put about $300.00 on the account. I sent a letter and the card back in 2004 with no reply. Meanwhile, they ran up the bill to $1,166.00 with late charges or whatever they could charge me with. They are just stabbing anyway they can to get money. They are lying about when I last used this card. Abusing me and using our court system to collect money from their victims. They recently went bankrupt.

I have an account with Aspire Visa. They closed my account for no reason other than I was led to believe that they went out of business. And now, I can't get anywhere with them. I make my payments on time and now I've seen that my balance has gone up instead of down. I mailed off my payment to them instead of paying online because they jacked on a fee now to pay online. They have yet to cash my check for my last payment. They are going to ruin my credit.

I had this account for at least a couple of years without any late payments, always paying more than what was required. Approximately, eight months ago, I was informed that my account was being closed. I was informed that it was nothing I had done. I was led to believe by the customer service representative that this company was filing bankruptcy.Even though my account has been closed, I continue to receive maintenance fees in the amount of $6.50 every month. Upon calling the company to inquire about these fees, I could not get an answer. I am also not receiving monthly statements on this account nor is there any information provided on their website. I do believe this company is committing fraud against the account holders and something needs to be done about them ripping off innocent people.

I opened the credit card account in 2003 with a promised credit limit of $300. When I received the card, $179 dollars was charged for enrollment and another charge was taken out. I had a credit balance of only $75.00. I called the customer service to see what was going on and she said those where charges for membership fee and processing fee. I received a letter from a collection agency stating that I owe Aspire $1,500.

This is complete fraud and illegal business practices. I looked at my credit report and it showed that I opened the account in 2005, which isn't true and how can that balance be so high from a $75 limit? After those fees that they automatically took out? Please help! They are completely ripping me off and destroying my credit history.

I still can't understand this company. They have caused me so much undue stress. Can't we do something to protect us?

I have had this credit card for about three years. About five months ago, they closed my account and was told they were going out of business. I made the final payment on time and that was it. Now, they are saying I owe them $3.54. I have tried to resolve this with them directly but keep getting the runaround. They will not re-open my account. I would pay the $3.54 because it is such a small amount but I honestly don't owe it. Also, this was a secure credit card. Shouldn't I receive my security back? I noticed there are thousands of other consumers who are complaining about this company and their stories are the same as mine. I also noticed that New York City has sued them because of their illegal practices. Why is my credit taking a hit and what do I do to resolve this issue?

I had Aspire Visa problem just like everyone's complain here and very funny that on Aspire Visa web, still no change showing. Can I use my Aspire Visa at ATMs? Yes, your Aspire Visa card can be used at ATMs that accept Visa credit cards. Please refer to the Terms and Conditions for any fees that may apply.

I noticed there are thousands of other consumers who are complaining about this company and their stories are the same as mine. I also noticed that New York City has sued them because of their illegal practices. Why is my credit taking a hit when I am/was an excellent customer?

In 2002 i opened an aspire visa account and when i recieved the card what was supposed to be a $300 balance was only $32. When i called to ask why I wa informed that the rest was charged as my fees for opening the account. i made timely monthly payments and still recieved threats and harrassing notices. 2 months after i recieved my card i received paperwork from a law firm regarding a class action lawsuit aainst aspire due to excessive fees which made my opening available balance less then $50. i signed the paperwork n mailed it back.

haha.

today i received a phone call from a lawyers office telling me that i owe asipre 1236.70 on an account that was opened in '05. when i explain that it wasnt my account im told if i dont make arrangements they will garnish my wages. i try contacting aspire to find out any information about account that was opened to try to clear up the misunderstanding not only can i not find a number or email address. how can a company not leave any information for customers or potential customers or people trying to rectify misinformation? how is that legal?

This company is a complete joke. I got their card 10 years ago and used it casually with no problems for a while. I was always mailing in money orders for my payments. Then out-of-the-blue, they began sending me bills which I sent out a money order the SAME DAY I got the bill, but conveniently, they weren't posting the payments to my account til a week after the due date, which was 3 weeks after I mailed my payment and charging me late fees. I called them up and they would give me stupid answers as if they thought I was an idiot like "i'm sorry sir, we don't have any way to check the status of mail deliveries" or something else insulting. Then I began paying online instead only to find out that they charge you to pay them. That has got to be one of the dumbest things i've EVER heard of.

Then a few months back, I got laid off from my job, so I had no money to give them. I called them up MANY times and explained the situation, hoping for some kind of payment plan that every other company in the world has or a freeze on my account which almost all credit companies have and they're all like a bunch of foreign robots reading off of a script saying nothing more than "i'm really sorry sir, but there is nothing we can do."

My account got a month past-due and I figured maybe that would show them that i'm serious. So I called up again and all they did was say "I can help you, what I can do is collect last month and this month's payments and get you current!," again, as if i'm an idiot. You can barely understand a word they say other than "i'm really sorry sir, there is nothing we can do," they've been very rude, hang up on me whenever I ask to speak to a supervisor and have never once in 10 years helped me with a customer issue. Worst of all *cue the violin*, they're ruining my credit.

I have always in the past paid my bill early and more than the minimum amount due, but in 2006 I came out of work on sick leave due to lung cancer, but with my husbands help still managed to pay my bill. That was until 7 months ago when unfortunatley my husband lost his job. I have been fighting with aspire to get my payments lowered but to no avail, they tell me that they do not have a hardship progam.This company is charging me a rate of 30.00% interest, I even asked them if they will change my due date so that I am not charged a late fee of $35.00 dollars a month they said that they could not do that. It is putting so much stress on me I do not no where to turn for help. Somebody needs to investigate the dealings of this company.It is outrageous that with the economy affecting the nation that they can act in this manner and seem to have no conscience on how they conduct business.

Account closed by the company,our bill was paid every month on time,some months more than the minimum was paid.They jacked up my interest rate to over 25% and still being charged account maintainence fees????Look at most recent statement and they transferred my account without my knowledge or consent but stated under that important news portion of my statement that if we wanted to opt out of this transfer to write and address in GA, I was charged 24.66 for this unathorized transfer as well.There are many complaints about this company surely something can be done.I have no problem paying for the chargeds I accrued but not all these other BS charges.My balance should be going down not up on this closed account!!!!

Account closed by the company,our bill was paid every month on time,some months more than the minimum was paid.They jacked up my interest rate to over 25% and still being charged account maintainence fees????Look at most recent statement and they transferred my account without my knowledge or consent but stated under that important news portion of my statement that if we wanted to opt out of this transfer to write and address in GA, I was charged 24.66 for this unathorized transfer as well.There are many complaints about this company surely something can be done.I have no problem paying for the chargeds I accrued but not all these other BS charges.My balance should be going down not up on this closed account!!!!

As a consumer I have a right to know why and when. I am told that they cannot send a letter or tell me the reason for the interest rate change. My account is closed ans I contunue to pay a finance charge plus I pay over the minimum. Again I would like written information on my beginning interest rate at 2001 and when and why it is now 23.47%. Aspire is uncooperative with me evert time. Your call will e transferred from representative to representative and getting no where but repeating yourself over and over again and/or your call is ending without your consent. HELP! My stress level goes up with speaking to Aspire.

Uncooperative Customer Service Representative who seem to function by a script. When you make inquiries they respond robotic to the point of either hanging up on you then you got to call back. In addition, some representatives will give name/employee number while some (Nicole)will say she is not allowed to give employee number out. My complaint is managemet made the decision I am told to close my account.

I have been asking for a letter indicatig the date/reason for the increase in my interst rate which is now 23.47%. I have gotten no where speaking to robotic representatives: Michelle, Nicole, Neyla and John who are foreign speaking. I am told that my interest rate has been this percentage since the year 2001 which not true. As a consumer I have a right to know why and when. I am told that they cannot send a letter or tell me the reason for the interest rate change.

My account is closed ans I contunue to pay a finance charge plus I pay over the minimum. Again I would like written information on my beginning interest rate at 2001 and when and why it is now 23.47%. Aspire is uncooperative with me evert time. Your call will e transferred from representative to representative and getting no where but repeating yourself over and over again and/or your call is ending without your consent. HELP! My stress level goes up with speaking to Aspire.

they have closed my count because thay are nolonger offering the card services and are chaging fees for many reasons. ihave had no problams wth tham untill they deceided to close tha account an now it is hurting my credit. they also repeorted the closure of the account to my credit as it it was somthing that i have done. Along ith this I have ony been getting bills every other month from them and they ar ining me for this. They do not post a a way to contact them on the web site or an address to mail your payments to them. I reliazed this whan I when searching.

I always paid my bill on time and never had a problem with them. but when my balance got within the range of the late fee, they pigeon holed my payment until it was past due so they could collect the over limit and late fee. this is a scam and they should be sued. caused my credit score to crash and I can't refinance my auto loan

I have had an account with this credit card company for 4 years, I have always paid my payments on time. Recently they closed my account without reason just stating that all accounts were being closed. I assumed it was due to the economy. I called and asked why I was still being charged an account maintnance fee, if there is no account to maintain. The man I spoke with had no answer. I am very upset as I continue to pay my payments and try to pay off my debt they are still profiting $6.50 per month in account maintnance fees and high interest. This should be looked into. Please help.

i wrote to you a few months ago about this but got no response even though i subscribe to consumer affairs every week online. i have never seen anything in your reports about any action you could take about this. please let me know if i should still pay the maintenance fee and what can do about repairing my credit report so it doesn't show a negative report (closed by consumer).please help me 'what should i do? is there a class action suit? there are so many people in the same situation with this card.if you can't help me then who can?

In 2006 I was pre approved for a Visa Aspire Credit Card. I was told that I would recieve $300 credit limit. When I finally revieved the card, $150 had been taken in fees, leaving only a $150 balance. For the year of 2007 i made small purchase and charged $150 on the card. I kept up with payments and somehow lost track and was late for no more than a week or two. The fees acquired for being late set another set of fees for exceeding my balance. On top of that there were yearly and monthly fees for over $100 dollars. In the end I had $800 in fees and only $150 in charges. I paid the $800 off in 2008.

i had been paying all this years over 4000 to Aspire bank for a credit card with less credit limit. i lost my employe and they increase and charged me twice or more the original debt, im still paying but after read about this bank complaints from other consumers i need more information about this bank

I wrote earlier about Aspire and Tribute Credits cards. In addition to the previous on-going lies and problems I've had wtth this company; last month they claimed over the phone that I was on a 'Hardship' program; my payments were set at $30 per month, 0%, no more late or over the limit fees for 12 months.

I made the payment as agreed, the next one is due in 10 days, but they are already calling me several times per day threatening me and when I returned the call this morning to ask why I was getting these calls and threats when I was already on a program the guy, B. Small told me that didn't matter, they were 'moving forward to collect anyway'. Then when I tried to asked why and mentioned Tribute cards, he started shouting at me, then hung up on me.

I have an irregular heart beat and high blood pressure, sleep apena and related sleep disorders along with Epstein Barr. All of the conditions are greatly made worse by all the stress and no matter what I do, this company seems to want something different than what they tell me previously. I need help.

I read some of the other complaints and it seems they are doing similar things to a lot of other people. How do we get this under control? I will pay back what I actually owe, but I've been laid off since last August and can barely get by on unemployment. Sending them $30 a month was already a strain, but now they are still threatening me. At some point soon, I will be so in debt to them due to their fees, I will never be able to pay it off.

Does anyone Know if any lawsuits are filed against Aspire visa? If so please contact me to put my name on the list. My wife and I both have an account. We recieved our letters of accounts closing. I don't mind paying for what I owe I just think the monthly fees and intrest should stop since the card is no longer any good. We pay maintenance fees for a card that has no activity. We got the cards to hopefully help build our credit back up but instead hurt it even more. Please send me information on any suits or anything I can get my name on for this fraud.

I closed my account several years ago after Aspire added fraudulent charges to my card. Shortly after I closed the account, the interest rate was raised. I have been paying on this closed account for 4 years now. But I can no longer afford the minimum payments. I sent a customer service emial asking for a lower interest rate so I can afford the minimum payments. The response was too bad. The companies policy does not allow lowering interest rates.

I did not apply for the card, it was sent to me by the bank. Was I ever sorry I foolishly accepted the card. I understand banks can charge any interest rate they want, but it is foolish to refuse to lower the rate when someone can no longer make the minimum payment. Why has this bank been allowed to continue on in this scummy, sorry manner? There must be some fine point of law that can be rasied in defense of the thousands of peoplr who inoccently fell into Aspire's greedy trap?

Because of the incredibally high interest rate - 30% - I have been paying on the balance for 4 years now. I can no longer afford the minimum payment. My credit will be further damaged with this unpaid bill. I am not a bill dodger. But I can no longer support this bill.

They closed my account without notice and now they are continuing to over charge on the payments. This not right.There aare over thounds of other customers with this complaints, Why do we have to pay for a bill that is no longer in business and still over chaging you. I have never been late with my payments This company should be sued for fraud, How do i go about doing this? Please let me know as soon as possible. I dont want to contnue paying this company knowing I never pay them off.This not fair to me or other consumers with this company, The Attorney General should look into this matter or FIDC. My bill never goes down only up this month it jumped from 5,640.68 to 5,666.18 the finance charge 125.73 This is an outrage on thier part. I hope you go to the Aspire cards and read what others have written about this matter

I believe the Year was or 1999 and/or2000 when Aspire Visa sent out a Credit Card offer to me, upon activation you must Transfer your on Monies from your Checking Account. I did just that, then just after a Month these unexplainable Fees started Mounting and I cancelled. My Monies were used on this CC only not averaging Sixty Dollars for the Month that I had the Card and now they are Suing me for 890.00

This is now on my Credit Report affecting my Credit and Credit Rating.

In March sent payment for $27.00. Missed payment by $2.00. Have received new bill stating owe $2.00 plus regular payment. Comes to $30.00 due on April 14. Have been receiving phone calls every day at least one or more every day. Told them would send full payment of $30.00 on due date. Still getting calls every day. Sometimes when I pick up phone only music plays. Went to call back on number used to call and it said it is disconected or no longer in service.

Unfortune I was told I have breast cancer. I am going for treatment and followups to make sure it was caught in time. Right now I need to worry about my health not phone calls.

After Aspire Visa closed my account just like others with NO REASONS, I still paying more than the minimum payment each month with 29.99 finance rate, Is this fair? US Goverment is working hard to save the bankers and other big companies,How about us the tax payers? Where is FTC and other agencies? Do they ever read or heard what tax payers been treated by ASPIRE VISA?

I received a phone call from a man with a heavy accent, that kept insisting I should accept a credit card from Aspire. Finally I told him, Send me a letter if you like, so I can look at the offer, because I cannot understand you. A few days later, I received a letter from Aspire. It laid unopened for several days or possibly weeks. When I opened it, there was a credit card enclosed - much to my surprise. Shortly afterward, I was laid off from work, and I called in to activate the card, which had a decent interest rate, then I used it.

About six weeks later, I got a bill and didn't look at the interest rate, I just made the payment. Then I got another card in the mail, which I did NOT apply for and it was from; Tribute. They had all my information, but I did NOT give it to them! Due to the hardship I was having, I did use the cards however. But when I finally looked at the rates, they had been increased to 28.9% interest, plus they claimed twice, that they had not received my mailed payment on time - even when I sent the payments 10-12 days in advance. They did not take the late payment fees off, but to stop that from happening again, I began to pay by phone, which cost me $14.99 each time - billed to my credit card.

They've lied and said they are not the same company, but when I asked them why do they have the same phone number and address, they hang up. I was laid off again last August and tried to set up a 'reduced' payment plan on the phone, but no matter what they tell me on the phone; send $30 a month and get 0%, and no late or over the limit fees (caused by THEIR charges to start with), the billing never reflects what they promise!

They've asked me to send $978 as a 'one time matched deduction from the charges...but they said it had to be recieved by them on the following day and the only way that could happen is if I paid the $978 by phone right then...I did NOT, because they've never kept their word before and I figured they were just trying to get $978 out of me and would likely never match the payment...They are still lying and not cashing the checks I'm mailing to them. I have other credit card companies who have made 'hardship' programs available to me and I'm sending them payments at the same time as I mail to Aspire and they are being received and cashed...Aspire seems to be holding the checks on purpose???

I got so depressed over not being able to trust this company, espeically after they caused my bank checking account to be overdrawn (costing me over $145 in overdraft fees, that I stopped making all payments to all CC companies and just withdrew into a cacoon. My credit is ruined, I can't sleep at night and it's affecting my marriage and health.

i open a aspire credit it was the worst thing anyone can do they rip you off so bad i payed on time and never us it much but now i go over charge fee and i as never late please don't get this card it will damage your credit

i open a credit card acc with this aspire visa. they are over charging me. now thy sold my account to mcm. you can even talk to this people they will not asnwer the phone. went they do very rude people that does not offer any help, i have offer them to pay what i spend but i will not pay for those over the limit or late fee charges

damage my creit report

So I received a credit card offer from Aspire in 2005. To my surprise, i was issued a credit line of $1500--for a credit card I had never applied for. I was a college student at the time and figured this card would come in handy. The joke was on me. Oh, yeah, after a few months my credit line increased, my APR increased, and my minimum payment fee had increased as well. After paying off most of MY debt, I left the card alone. Stopped using it, I kept on receiving notices of all these new fees. Considering they were not accrues by me, I didn't pay those charges. Current balance due exceeds $3,000.00

Which would lead to the account being closed and being sent to collections. This year (2009) i receive a notice from some random Law firm stating that I was going to be sued and that 25% of my paycheck would be garnished. I recently moved, and during the process I saw an old debt collector notice, so i decided on calling them. They said that Aspire has issued a suit against me, and If i would pay in full right now that I would only have to pay $2,800.00. But that I have the option to form a payment plan, but the charges would be around $3,500.00. They said if i paid a $350.00 fee that they would waive the court fee and summons. So, in order for my paycheck not to be garnished I paid the $350.00. But I'm still skeptical, because I don't want to pay an excessive amount of money to a company I don't even owe that money to. My credit history/score is shot. I'm a single parent and want the best for my child but paying unnecessary charges/fees/BILLS is not in my life plan.

I received an unsolicited card in the mail from Aspire. Who knows what the limit was because I never activated the card. This card sat in a drawer in its original mailing envelope for months. One day I receive a bill in the mail saying that purchases have been made on the card and the amount due was hundreds of dollars from some online clothing store. I called to dispute the charges and was met with what I think to be heavy resistance. I was told that I must file a dispute for the charges that were made on a card that was never activated and therefore should be unusable, correct?

Now during the investigation I was told that we had to make the payments in order to not be reported to the credit agency, threat? I was told that the dispute forms had to be mailed to me, not e-mailed, not faxed, and only mailed. Aspire told me that this would take a week, try three months after repeated calls to the company. One day after receiving the paperwork I faxed the completed forms to the dispute department, only to receive a letter the following week stating that I have gone beyond the 60 day time limit to submit a dispute. I would consider this to be the credit companys problem; however they try to make it seem as my problem.

This sounds like a scam to me. This whole process started in July of 08 it is now March of 09, nine months later. The customer service is extremely unprofessional and very rude. When I asked for the address of their parent company I was told that the information that I requested was not allowed to be given to me, I was told to look it up on the internet. I needed the parent company address for use in a law suit, as you cant sue a p.o. box. After finding this information I made a call to verify that this was indeed the parent company, yes sir it was.

I am in the process of filing legal paper work in small claims court for the amount I have paid them to date while they played their little game. You as a U.S. citizen have the right to bring these corporations to court to prove that you owe them. Trust me I would like to see what proof they could possibly bring, I want to see copies of the SIGNED application and agreement paper work. Hint.. there is none. I also want to see where, when, and how these purchases were made on an un-activated credit card. I assume, just short of black magic and accounting fraud this will be impossible. Lets see if they show.

Numbness in my brain from dealing with rude, obnoxious, under educated, non communicative, customer service agents, who by no fault of their own other than a lack of higher or should I say high school education which undoubtedly would have lead them down a better career path and position in life, are stuffed into 3 x 3 cubicles and told that no matter what we the compucredit corporation are always right so the customer must be wrong.

in dec. i received a letter saying they closed the program a few month ago .i did'nt know this because they took out my yearly access fee[285. dollars]and i hadn't used the card for about 6 months.many others got there letters much earlier than myself .i believe they waited with my letter because they wanted to charge me the access fee. i just paid it off in full and called them to verify this they did then i checked on line they charged me 4.95 more .that means they could charge me a 19.fee and another fived dollars payment fee bringing it toclose to forty more dollars if i had not checked

my blood pressure is up. my bloodsugar is high.they did this 2 years ago when i sent a 400 check they said they didnt get it. we had to fax them 4 time before they said they got it.then they charge almost that same amount .what a stressful mess

i have been paying my bills always.i am so sick and stressed out because aspirevisa canceled my card that was ok by me just 1 less card to charge on .i still have been paying it then i start looking at my bill and they have been charging me double finance charges from 24.99% to 28.99% double that i cant get any response to my calls so i just told them ok i dont care if you ruin my credit but i am refusing to pay this bill any longer until they quit charging me double .i told them i cant go throu this anymore with this card they charge me at least 23.00 to 28.00a month . i got a letter telling me to pay my bill in full and then they would give me something i dont remember i threw it out .the dealing with this bill is got me so stressed out i cant not deal with this company any more .

I've had this card for a few years and never missed a payment. They in fact increased my limit. They charge for online payment $5.00--I don't trust them with mail, they say when i checked on it a week later it was being processed. They charge me 29.75% for what?? never late, they will not lower the interest rate. Why does congress allow them to rip the american people off. I see many people here angry.

My intent is to get my interest rate down. They refuse. It causes hardships with what I can afford. Many people complain about this company. I think there should be a class action suit, since they are not in the credit card business and are allowed to charge these unreasonable rates to people. They are way over the prime interest rate. Please note(CAPITAL ONE LOWERED ME TO 18%) for paying on time, makes one think!

I received notice that Aspire was closing my account due to the credit crisis and apologized for the inconvenience. I understood why since many companies are doing the same. I made my payments as I was supposed to and then received a mailing stating that if I paid more than my minimun, I would receive a 75.00 credit on my account. I decided to pay off the entire balance of 2835.40 less the 75.00 (2760.40) because I did not trust them to send me a refund check I had sent the whole amount. I sent a letter accompanying the check explaining this.

They cashed the check, applied the payment to my account leaving a balance of 75.00. I gave it a few days then e-mailed them to make sure they credited the 75.00 and that I did not accrue any intrest on this balance. I did not receive a response. When I reviewed my account today, they still have not credited my 75.00 AND there is now interest applied to this balance and my balance is now showing as 127.46. There is no phone number on their website nor do I have my card anymore with their number. They have not responded to any of my e-mail inquiries. While it is a small amount, I would have just paid the 75.00 and taken a chance that they would not send me a refund check rather than be charged 52.46 which is 70% interest!!!!! My interest rate at 29% was bad enough.

It took a lot to pay this balance off. I cannot afford to pay 127.46 more on account that THEY closed and I was decent enough to just pay off with my tax return.

Like everyone else my account was closed, I am in good standing, Recieved the pay more get more credit offer on Feb 19th, Mde the choice on the 20th to pay close to 3,000 dollars to earn 1800 in credit, Before I paid the amount due, I asked if they had recieved my Feb. payment of 140.00 and there answer was No, I asked should I stop payment on that check, since what their offer was the amount I pay to the amount they credit, I was assured that when they recieved my payment, up to 7 days later I would get a retrun on that check from them, for the 140.00.

OK thought I would be settled up with them account closed and paid off in full, WELL it will take UP to 45 days for this Credit to appear the close to 3,000 dollar payment, in the mean time I now recive my monthly statement with the Balance that is to be their Credit, and me owing another 54.00 for this months payment. BUT wait a minute, I already satisfied my loan, and over paid it with 140.00 now because the CREDIT is NOT applied yet, I should have to send in another 54.00?

I aggreed to their terms of pay more get more credit (to pay off balance) conformation and NOW what do we do, WE aggreed on one amount, but their saying since the credit has NOT yet been applied I am responsible for this payment, and my other 140.00 payment went to my balance, Which they recieved AFTER we confirmed the deal. HOW to I bring them to court, to the attention of the public, that here is yet another scam of Credit card companies!

I paid out money from a LIfe insurance policy, to pay this bill off before they try to raise the APR or start saying my account was delinquint. and NOW they are bleeding my family out of more money.

I like Wilbert's idea!!! How can all of us card holder's sue this company? It is like I said before this company is causing me lot's of undue stress and sleepless nights. My husband is unemployed and has been for eight months. Alot of his job applications want to run a crdit check even though the card is in my name I sometimes wonder if my credit is affecting his. I am having a hard enough time paying bills and don't want my credit report to look bad incase I need to try and get a loan.

Just like every other complaint out there I had an Aspire visa card and paid as agreed until I became ill and fell a little behind in payments, being that I obtained this card to re establish my credit I was a prudent and responsible consumer and called them to let them know of my situation, I told the rep on the phone that of my situation and asked to make payment arrangements. I was told that there was nothing that they could do and that I needed to pay off my entire balance or they would take me to court and sue me. I asked to speak to a supervisor/manager who told me that she would not help me because I was an irresponsible consumer and should learn to pay my bills on time! How unprofessional, I did my part to try and work something out with them and was given a major road block through their lack of professionalism and rigidity. I am glad now that I have read so many complaints of the same situations that I have not paid them any money because it sounds like those who did got taken advantage of.

I am still receiving about 10+ calls per day to my home and work by Compucredit to try and collect on this account. I have read the recent lawsuit and injunction from New York and Georgia and I feel that California needs to do the same thing in filing a class action law suit. It is unfortunate that throughout the Bush administration regulatory boards were allowed to get away with not doing anything about these types of fraudulent companies. I want the negative listing removed from my credit file as well as a refund of all the fees I paid that were not earned by this company. I truly feel sorry for every other consumer who was taken advantage of by a company claiming things that they never lived up to. If there is a class action law suit that is filed I would like to be included!

When I called to obtain an itemized copy of my actual charges they told me that they do not release that type of info to their consumers, yet reported insane amounts of negative debt to my credit file. how am I able to verify which charges are legit if they wont give me this information, which is my right to have as a consumer. I am nearly ready to change my home and cell phone numbers because of the constant harassment. Companies like this need to be regulated a lot more closely and should not be allowed to be in business. Atleast it was comforting to find out that they are no longer in business so that they cannot take advantage of any more consumers. I would also like to see this CompuCredit be put out of business as well since they are just as bad and deceptive as AspireVisa and since they are now trying to collect on all Aspire visas fraudulent charges.

I opened my Aspire Credit card account in 2004 and I did this so I can fix my bad credit scores. This year around Dec. 2008 I received a letter stating that the company was closing accounts. They charge outrageous annual fees that they don't tell you about and the monthly maintenance fees are outrageous and they are still charging these fees even though the account is closed. I hate I even trusted this company.

I have suffered decrease in my credit scores especially since the account has a zero avail balance and I have an unpaid balance. I can't even log into my account to pay because they said my account number no longer works and I can't log in. Stressed out because I am trying to buy a house for me and my children and this does not look good!

i had a account with aspire visa in 2006 and they sent me a $179 the frist time with a spending limit of $600.00 close my card put me in the credit bureau for $1,800 they made my credit bad

why can't i sue them like the city of new york did and won their case

I had an account with Aspire for close to 4 years. I paid as agreed, except for 3 payments that were paid a few days late. Each renewal year, I received an increase in my line of credit. I thought everything was great and that I was being responsible, even with a few slip-ups. Well, in December 2008, I attempted to use my card to make a small purchase. My card was declined. No worries; I used my bank card instead. Well, shortly thereafter, I called the company to find out why my card was declined and the automated system informed me that I had no available credit.

I know that I hadn't max'd out the card, so I dialed the extension for a live representative. The representative told me that my account had been closed at the company's request back in September/October 2008. I asked why and was given this excuse: A payment for September 2008 was received after the due date and that this action violates the terms of the agreement. I explained to the rep that I had been late before but had continue receiving credit line increases all this time. What was different now? The rep could not give me a definitive answer and passed me off to several other reps and a manager.

Each stated the same thing. I strongly believe that what is happening to millions is directly related to the NY class action lawsuit against Aspire/CompuCredit. Instead of correcting the problems within the company, they'd rather cancel accounts, get their money, and vanish without a trace. They are no longer accepting new applications, also. When you visit their website and click on the Aspire Visa Card, you'll be redirected to an application page for Tribute Mastercard. Could this be the new Aspire card? Also, a word of advice for current cardholders with a suspended account.

DO NOT ACCEPT OR SIGN UP FOR THE PAY MORE. GET MORE. PROMOTION BEING OFFERED BY ASPIRE VISA. This is a settlement offer. As many of you may know already, settlements are very harmful(even derogatory) to your credit report. Just continue to make payments as usual. It can be very tempting to take the bait and pay it off. But don't! If you pay any of the amounts listed on the promotion letter, Aspire will automatically enroll you in the promotion. The letter doesn't spell it out for you in black and white. You have to read in between the lines. If you're still not convinced, call customer service and ask them specifically if the PAY MORE. GET MORE. promotion is a settlement offer. They will be forced to answer you honestly.

This was my only credit card that I qualified for shortly after my divorce and bankruptcy. Now that my account was closed, I don't have a credit card. My credit wasn't not adversely affected by the closure. In fact, Aspire reported to the credit bureau that I'm 'paying as agreed'. Still, I'm not sure if I will have any future backlash because the account was involuntarily closed.

I was solicited by Aspire charged a $100.00 annul fee and got a letter saying the program was stopped and my account closed but I will still be billed $9.95 monthly for monthly maintance. This is bad business

I have had this card fro several years. I got it in an attempt to rebuild my credit. From the beginning it has been a problem what with the hidden fees adn such. I actually had to make a payment on the card before I could use it. Got a letter in December 2008 that my accunt was being closed. Called to find out tha the company is closing? Now I have a credit card with zero available credit and a balance that is still charging me monthly account maintenance fees, ridiculous interest and annual fees? If a class action suits comes up, include me in.

Lowered credit rating due to balance due with no available credit.

I paid the full balance of my card on February 20. On Febrauary 23, I received an offer in the mail for Aspire customers, wherein if they pay off certain amounts on their accounts, they would be issued a proportional credit from Aspire as a reward. The amount I paid would have earned me almost $400 credit on the card. Because I didn't wait 3 more days until I received the offer, I lost that money.

I called customer service to rectify this. I wanted my money back. I fulfilled the requirements of the offer, but had taken action too early--acting responsibly as a credit customer, and thus being punished for it. Customer service simply kept passing me around to more clueless customer service representatives, and now I have received a call from a manager who is also telling me that there is nothing they can do. Getting involved with this company at all was a waste of time and money and patience. Particularly in business, what goes around comes around, and I sincerely hope that all those involved with the running of Aspire Visa pay for their appalling business practices.

Loss of $400

Apire Visa closed my account after I paid one thousand dollars on my bill. i had the account for three years. I call customer service they said i was over the limit in the month of August. i will pay the balance of four hundred dollars and never do business with them again.

When i receive my statement. i pay the amount that is requested. then aspire say that i have to pay another amount: over the limit and late fee. when it is not. thay closed out my account for no reason. like thay have done thousands of people.Aspire is doing a lot of un right things. also tearing up my credit report.

We also recieved a letter that they were closing our account. We paid the account off on 2/11/2009 using the online payment option. They then reversed the charge and charged a 35.00 return check charge. We called today and they said my bank account was frozen. This is a complete lie. I talked to the bank and this charge never tried coming in. We had plenty of money to cover the payment. None of my other payments online ever had any trouble going through the bank. Seems like they are trying to scam us.

I had the credit card and I was paying them every month after i could make the minimum payment for a while. They took me to court anyway and garnish my check. I overpay them $400.00 and they refuse to refund the money to me.

I was first paying 9% interest on my account never late and all of a sudden my interest went up to 19.99% and charging me exuberant amounts of annual fees was killing me they know what there doing alright!!! They are taking alot of good people that are really trying to make there credit turn around for a future of cleaning up any bad scores they had. Now they are either going bankrupt or closing there banks but what do we do. I want all those charges of annual fees and the high interest credited back to me.They cannot sit here and take and take without having to be held accountable. Im out 4 or $500.00 dollars and Im still paying. What do we all do?

Aspire closed my account stating I went over my credit limit. I did not make it go over, they did with their monthly fee and then an over the limit fee they caused. Now they are charging me a monthly maintenance fee for an account they are not maintaining. I anticipate they will charge me another annual fee from what I have read on your cite. They call me about 10 times a day even though I have notified them in writing not to do so. What can I do?

They are reporting me bad on the reporting services.

I recieve a Aspire credit card and use it once or twice daughter started paying the bills and one day I notice bills was stopped so I called, I was told my daughter couldnt not pay the bills and I explain she was the one I let use it so she pays, sfter that I could never get in touch with these people and several year later I get an extra large bill with super extra charge from a bill collector. I they would have taken the money from my daughter and answered my calls the bill would have been pained off.

Now they are taking me to court and this is showing my my credit report as bad payer.

I had an Aspire Visa which I was faithfully paying but it seemed the more I payed the more interest charges there were and always late fees even if you payed ahead and everytime you called them you had to deal with the attitude that the employees gave you and they never did anything to fix the situation. I had requested my account o be closed and it was never closed and I specifically mailed my card back to them also.

I am still getting charges showing up on my credit report through different collection agencies. I have had to change my phone number several times because they kept calling not understading that those charges aren't mine and that that account was to be closed over year ago, and they would give me the attitude and the rudeness and disrespectfulness and I would ask for supervisor and supposely never available. Now I have Midland Credit who won't provide Experian with information on when my account was opened and it says its n/a. Through the investigation process of the credit bureaus on the charges that are not mine. They are still showing as my account still being opened. They are just a big scam.

This has been very stressful, I have been working on clearing my credit and they seem to keep adding charges to my account that was never closed.

Aspire sent me a letter in September saying my card was being cancelled because I missed a payment in March. I explained that I did not miss a payment I paid late due to identity theft and in March they agreed it was okay. They were very rude and said there is nothing they could do. I have not used my card since March and I pay a little over the minimum each month, but my account is still over $3200.00 and my limit is $3000.00. How can this be if i've paid over $900.00 in the last 9 months.

I can't reach them as the website has no contact number and they only take e-mails and will not contact you. I have suffered major hours lost at work as well as a pay cut and am trying to do the right thing but I really don't want to keep paying when my money isn't being applied to anything. My payment was due on the 13th of this month for $94.00 I paid $50.00 on the 5th and when I logged on today it jumped to $136.00 due. I can't afford to keep paying this, what should I do?

All my other accounts are falling behind because the minimum due keeps going up and none of my payments are being applied to the account.

Received a letter November 2008 that it was closing my account. No reason was given. Now I have an account with zero available credit and an outstanding balance. In November, 2008 I was charged an annual fee of $50.00. Why should I have to pay a new annual fee as well as a monthly account maintenance fee. Today, I went online to view my account, it shows that the outstanding balance was the last payment received; the available credit is zero, but there is an outstanding balance. No minimum payment amount is shown (how do I know what amount to submit?)

Credit rating is negatively impacted with a zero credit available and outstanding balance. I want to make a payment, but there is no indication as to what the minimum payment is owed this billing cycle which is schedule to close in a couple of day. I suppose I will accessed a special late fee charge. I want a refund of the annual fee charged my account in Nov. 2008.

I am one of the many people going through the same things that others are going through with the Aspire Visa Card. I recieved a notice that my Aspire card would no longer be active. I called and spoke with a representative who informed me that the company was going out of business. Charges galore now. Also, because I was short on my last payment purely accidental...by $4.00 the collection department is now calling me daily at my employment.

I have asked them to take my employment number off of their list however, they have not. I believe there is a Fair Debt Collection Practice Act, 806. harassment of Abuse (15 USC 1692d) line 5 stating that they cannot repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Is this not a form of harassment? What can I do to make this stop?

Continuously calling my employment number. I am not allowed to get person calls at work and all of this over 4 dollars.

Aspire Visa cancelled my credit card and now i have an exorbant amount of finance charges and various other charges on an account that is closed. I have tried to call several times with absolutely no help from anyone. They were very rude and unprofessional, if a class action suit should surface about this awful company i want to be included. Something needs to be done about this company immediately. I cannot afford to keep paying these bills and keep up with everything else. I WANT A LOWER RATE ND THE ACUTAL AMOUNT DUE ON THIS CARD WITHOUT THESE EXTRA FEES.

Not being able to pay other bills because of the fees associated with this one

We just lost all income,and we are trying to fix our payment problems. Now we are recieving calls from Compucredit every day Harassing us on a card that they Closed. Adding late fees compounded with intrest fees of 27.50%. Min payment says that we only need to pay $74.00, BUT on the statement it says that we HAVE to pay $151.00 with a finance charge of $56.59. I wouldn't know how much to pay if even I could pay anything.

We are both in very very bad heath. I have a heart DEFIBULATOR in my chest and my wife has CANCER. Among alot of other MEDical problems including Diabetes and Mental illness. They are compounding our Medical health, both mental and Physical.

I will not quit complaining about aspire visa until someone hears all of us. I had this card like I said before for eight years! never late and this company is causing undue stress to alot of people besides me. How can all of us form a network to help? I still have trouble sleeping a night and can't seem to focus at work and worry about my credit scorce. It is so unfair to people like me and so many other's something has to happen because of all this misery and worry

I ALWAYS pay online, and have NEVER seen anything as ridiculous as this crap with Aspire closing ALL their credit card accounts!

I got ahold of a "supervisor" & told him I had been in contact with the BBB & thewy have NO right to ADD any charges to accounts THEY volentarily closed, good OR bad accounts. SO, I had the $4.95 CHARGE REMOVED, and it better not happen again. I've worked my frickin butt off to get a GOOD standing with a credit card company, & for 4 years, without fail, paid more than was required AND ALWAYS 3-4 days before the due date. If ANYONE files a lawsuit against this company , by ALL MEANS, ADD ME TO IT!!!!! I've worked to hard to get a good name again, credit wise, & this leaves me with only 1 Mastercard, of which I've had for 2-3 years & just like with Aspire Visa, I pay early, more, but my credit limit is STILL the same as it was when I first got the stupid card, so I REALLY relied on Aspire.This is really going to hurt me financially, knowing I'm paying off a credit card , and for what? NOTHING!

Aspire Visa has done a lot of people wrong. I trusted them and they just crapped on me. I have always paid more than my mim. and they just dropped me. I might just take the hit on my cridit.

they suspend my account permanenly becuuse they said that I was late in the mounth of january for a few days only. I dont see no reason to closed my accont and also they put in your statement late fees $35.00 dlls. and I try to pay by phone and they wanted to charge $14.95 to paid over the phone, so Iam willing to paid the monthly payment and on top of the the wanted to colect the extra $14.95. tht is so redicuolos .

Iam so fustraded by this company I had alot headeches and I paid so much for late fees and so much high interest and I dont purchase and I still owen $835. I always argue with my domestic partner after I talk to aspire visa customer service, there is alot mental damage and frustation.

Card was canceled out of the blue immediately after charging a $75 annual fee. There were charges on the last two monthly bills for things we know nothing about. Are they bankrupt? Is the government shutting them down? If a class action suit is brought against them please include me. I have paid thousands of dollars to them over 8 years and paid them off a few months ago.

Then I used the card again and the charges started mounting like popcorn. The bill comes late and the payments don't seem to reach them by mail in time. Then they charge the monthly overage to the minimum payment and in addition add a thirty five dollar late charge. These guys say there is a contract on the card that provides bonus payments to them for closing down and I am expected to pay those charges.

We recently retired and are now on a very small fixed income and I don't know how I will get it paid off now..

I recieved a letter in December stating that my account was being closed because of an over due amount of 2.00. I have always a paid the minimum amount due monthly and due to their periodic finance charges they imposed on my account it always caused me an overdrawn balance. I then received a notice that they were going to raise my interest rate due to my overdrawn balance with they usually caused. I am a single mother of three children who would like to purchase my own home soon but it is hard when you have a negative reflection on your credit score. I am going to have my account cancelled because this card is not doing anything to help me rebuild my credit.

My Aspire Visa card was cancelled without sent me any letter and let me konw what going on with the company, and I still have to pay for maintenance fee plus annual fee. My credit score will be ruin and what a waste after I carefully rebuild my credit from the past

Received letter in December telling me that my Aspire Visa account was being closed as Aspire was no more. I had never had a late payment and always paid more than the minimum. Now I have received bills and the interest rate has been jacked up over 30%.

Exorbitant interest rate increase, as well as what ever negative credit reporting may have happened with closed account.

I still am complaining about aspire visa. Like I said before I have had this card for 8 years. How can we sue this company for damages against our credit scorces???? I still can't sleep at night for worry over my credit scorce.It isn't fair to people who always pay on time.

Refused to show hidden fees, sent card to me I had not applied for

I have been with Aspire for over five years. I've never been late, always paid more than minimum and they just sent a letter saying they were cancelling the card for no reason and have raised the interest since cancelling the card. I am extremely concerned about how this may affect my credit since that is why I had it to start with

Possible credit score endangerment

I have been an aspire card holder for about 4 years now. I have payed on time more than the required amount always twice a month as well. The card has been in perfect standing. I am having the same issues as the others on here. I received a letter in the mail in December 2008. Stating my account was being closed. When I called customer service they told me there was no more Aspire card, the program was going away. That i would just continue to pay until it is apyed off.

I have done just as they have said, but again they have dropped my credit limit down to zero and left me with a balace, which I do not mind paying as they are my charges but it is having a effect on my credit report as well as the outrageous interest rate that is being charged as of now! I am really dissapointed that they handled it in such a careless mannor. Many people like myself were wither buliding credit or building their credit back up and have done so accordingly with this card and then to have a negative hit like this!

Also, when you call to ask their reps what is going to happen with the rating from the card on the credit report and to have it answered with an I Do Not Know, All I can say is, it is ashame. If there is a lawsuit please add me to that list. I am going to pay it off as agreed but am very upset about how it is making the credit report look.

I, too, asked for a rate reduction and they keep telling me they cannot do it because of bank policy. I'm glad I'm not alone in not paying the late and high interest rate charge. One of the agents told me to call after I got the statement and tell them what I'd told him and tell them to deduct the late fee. I did, but got the same story. I told them since I have to make payments by check to cover the automatic deductions, it created a great hardship and I MIGHT be able to pay $25 a month.

So, I made a payment, but I deducted the late charge + the interest charge and sent that total in (about half the amount of the minimum due), which was more than $25, and they send letters saying that 25 dollars is not enough. I'm sorry, but on a fixed income, very low income, that's all I can do. I know there are too many lawsuits over nothing, but in this case they need to be sued.

Consequences: Way behind in household bills.

I regard to the article i read about aspire visa card...as many others, my card was closed last month for no reason.i pay on time and never go over the limit. when i got the letter it said it had nothing to do with me and that all gold aspire visa cards were closing. my question is....i still get a bill every month and since i got their letter i have been paying only the minimum.since the article stated that they committed credit card violations and that we are getting a refund, am i still suppose to continue paying this card every month even while the last bill still had maintenance charges on it which is a violation. what happenes if i don't pay and if i continue to pay what is aspire putting on my credit report since they are closing and i am up to date. i'm sure millions of others have the same question. thanks for your time.

emotional distress since aspire was the only visa card i had and why can't they continue my business with them by giving me another type of card if they are staying in buisness.i am a retired teacher on permanent disabilty and taking away that card which had nothing to do with me is a great inconvenience.also, doyou know what kind of a refund i am getting and when?

Something needs to be about this company. They put charges on the account that make no sense. Now I'm paying two anual fees on a card that they closed the account on for no reason. And raised the interest rate.

Aspire closed my account after several years of having the card with no explanation as to why. They won't answer any questions through the customer service line. And the finance charges are absolutely astronomical. Why should I have to pay a finance charge if they are no longer even giving me available credit? It was also cancelled for no reason; I had been a customer for over eight years .

I did try to call customer service to see about a rate reduction and received the same results as all other former customers, nothing. I would love to join a class action suit against this company. For all of this I decided to stop paying for it. In January 8th 2009 I received a call saying I was past due $78 dollars, I told I wanted my rate to be lowered before I pay anything, they said I needed to talk to customer service an in order to that happened I need it to pay, so I pay over the phone the $78 and that my next payment was going to be Feb 14th.

So I talked to customer service, same response. January 22nd I received another call saying I was $12 past due and in order therm not to chatge $35 for past due I need to pay now.. To make it short I was transferred to another person who told me a different story, 3 different stories, wow, makes me wonder. After a short discussion the 3rd person I was transferred hang up on me, nice and rude at the same time eh? This company sucks.

Just read the same stories, we need to do something.

I received a letter in the mail stating they were cancelling my account. No explanation of the company situation or closing down. I called & asked how this would effect my credit report they said not sure. I have never had a late payment and always paid more than the min. I been trying to lower my interest rate.

No one helps. they just want their money that all they are concerned. I would like to join a class action suit against this company. What do I need to do? I am worried over my credit score. How can I fight this company?

I received a letter in the mail stating they were cancelling my account. No explanation of the company situation or closing down. I called & asked how this would effect my credit report they said not sure. I have never had a late payment and always paid more than the min. I been trying to lower my interest rate. No one helps they just want their money that all they are concerned. I would like to join a class action suit against this company. What do I need to do? I am worried over my credit score. How can I fight this company?

I questioned why my credit limit was decreased and my card cancelled when I've always paid my bill on time. Response I received from them: Your Aspire Visa credit card program has been discontinued. Effective December 25, 2008, your account will be closed to new transactions permanently. Also, effective immediately, your credit limit has been set at your current credit limit or an amount that is $100 greater than your outstanding account balance, including any unbilled amounts as of the date of this letter, whichever is lower. You can enter into new transactions, so long as available credit remains, only until December 25, 2008.

Next, they send me my monthly bill and added a $75. annual fee to it. I questioned that as well. My email: I was notified by you that my card is cancelled as of December 25, 2008 so I should not have to pay an annual fee of $75. on a card you cancelled. Aspire email response: Dear Valued Customer, We have credited a pro-rated portion of your annual fee of $75.00 back to you. This will appear as a credit on the next month’s statement.

I paid this card off in the fall so I would have it to use to buy propane for the winter if I needed to. My domestic partner is laid off and I'm the only person bringing in a paycheck. It's not so much they cancelled it as the way they went about it. That's just wrong. This is the same credit card that charged me a $150. annual fee for years.

I reported card lost in sept 09 and company failed to cancel card. New transaction occured after canceling the card other thaan payments made by me. I've never missed a payment with this company yet, my account was steady increasing. I recieved a letter in December stating that they was closing the card program. I've disputed the balance stated by Aspire, I owe them but not the amount they state. Can I get help with this matter. When I call them they're no help. They're steady charging me.

I will pay what I owe, however they're not helpiong me get the balance correct. They're runing my credit. It's as they don't care about the creditor.

I received a letter in the mail at the end of November 2008 saying my account was being closed---I had obtained a Gold card status with all my payments being on time and had a $5,000. limit. When I called Aspire I got several people from India trying to answer my questions to no avail. In fact one of the customer service agents even encouraged me to use the available $700.00 credit before the card would be cancelled on 12/5/08. He said if you hurry you can still use the money.

At that point I just wanted these people out of my life. I was so frustrated because I had done nothing wrong and my account was current --I would be extremely happy to file a class action lawsuit against them--if you could find them! They are a fradulent organization that takes advantage of whoever they can scam. I have also been making my payments on time. Also they charge you $4.95 to make an online payment where no other company does.

when Aspire Visa closed my account they also reduced my credit limit from $5,000 to the amount owed which at the time was about $4,300. which effectively reduced my debt to credit ratio which negatively impacts my credit score which I have worked very hard to raise! When I asked the customer service agents about how this closure affected my credit score they could not answer me not even their so called managers...one didn't speak any better English than the next! Frustrated

Aspire in October 2008 sent me a letter closing my account. Sence then I have sent a payment of $40.00 and they have received it over a month ago and refuse to credit my account causing interest on the unpaid balance to add up. they also billed me $75.00 for fee even though they closed my account, again causing a increase in amount due and interest.

this caused higher balance and after 20 emails requesting them credit my account they refused and refused to take away $75.00 in annual fee sence they closed the account.

This company lures it's customers in, charges them activation fees, monthly service fees, and very high interest. Then closes all accounts while still expecting there monthly service fees and high interest rate. While paying my account on time and more than minimum payments, they close the account and report it as $0 available credit, which is a big red flag for future lenders.

They call very early in the morning, late at night, all hours on the weekends, and my place of employment. This is a negative reflection on my credit report with a $0 credit available reporting.

Aspire closed my account after several years of having the card with no explanation as to why. They won't answer any questions through the customer service line and I was told the balance needs to be paid off in full in order for me to request that they even take the entire Aspire account off of my credit. And that isn't even a guarantee. And the finance charges are absolutely astronomical. Why should I have to pay a finance charge if they are no longer even giving me available credit? I should just have to pay on what I owe.

Not only has this affected my credit, but my excellant standing with my other credit card. And I have been advised by several people not to pay any more money on my account due to the fact that a class action lawsuit might be filed in regards to this whole Aspire debachel. Also, I've heard that because they have already messed up my credit with thier reporting praactices, that I should just let the account go to collections where they are more willing to settle the debt for a lower amount. And then it will report the account as closed and settled.

My card was also cancelled for no reason, I had been a customer for over fifteen years.I did try to call customer service to see about a rate reduction and recieved the same results as all other former customers, nothing. I would love to join a class action suit against this company.

Lowered my credit rating by 40 points

Visa Apsire closed my account. They said their program was cancanceled. I been trying to lower my interest rate. I have gotten no where. They give me a debt consulation phone number only. I would like some answers.

My stress level is beyond bearing.

I have already complained and complained. Now my unemployed husband is looking for a job and the company want's to run a credit check. How fair is this since my credit score will affect his?

Now that we will probaly lose our house because he won't get that job, who is going to help us?

I received a letter in the begining of December saying that my Aspire card was terminated as December 24th. I had this card since 2003 had never been late. when i call to see why this was happening they told me it was a company choice and they didnt have any other cards to offer.

This created a major problem for me.

I had an excellent payment history with aspire. In Dec. however they sent me a letter stating that they closed my account. I called and spoke to a representative who told me they closed my account and everyone elses who has an aspire card. I always paid above my minimum balance. I was concerned about this because of the zero balance of the account, but there is a balance due. This will now affect my credit score due to there part of lowering the credit limit to the balance owed and no available credit. Some sort of action should be done so people like myself should not let their credit scores be damaged do to this.

Aspire credit card cancelled my account last month. Never late or missed payment. Not sure as to why or what is going on. Very upset with this account and the credit card. Looking into filing a consumer complaint against this company. This is not a acceptable and they still billed me a annual fee after not keeping my account open? How is this okay?

After having my Aspire Credit card for a few years I received a letter in the mail stating they were cancelling my account. I have never had a late payment and always paid more than the min. payment. Now my account shows a $0 available credit and an outstanding balance. I have not checked my credit in past couple of weeks. I have read all the complaints on how it hurts your score. I can't afford for my score to go down. I have worked really had for the past 5 years to get a good credit score. My husband and I are going to try and buy a house in the next year. I really hope this doesn't ruin my credit!

My credit card cancel by Aspire without warning. I have called Aspire and could not get ny information regarding why my credit card account was cancelled.

When aspire cancelled my account my credit limit with another card service has been reduced drasticly. This impacts my credit and my credit score.

This has been my worst nightmare. I cancelled this account over a year ago, but am still paying monthly fees, overdrafts and other asundry charges. I have a feeling that, even when I manage to finally pay it off, they will continue to charge me nonthly fees. Does anyone know of a class action suit? I imagine an audit of my account would be just cause enough. Letters sent out after the due dates( never before) so that you are always late, charges never reversed, and my limit was never over $300. Its shocking.

I haven't totaled up the cash on a 300 dollar credit limit, but I'm sure it exceeds a thousand dollars.

I still am upset over this aspire visa thing. I am having trouble sleeping and stayed worried over my credit score. How can all card holder's fight this company? Like I said my husband is unemployed and it is hard enough to pay household bills and stay worried about our future as far as credit scorce's which will affect me being able to get a loan.