Aspire Visa

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!!!

WHAT THE **THEY ARE 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 bt have gotten no response. At this APR i will never be able to pay this down.

I need some assitance on how to move foward 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 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 didnt 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 $500.00 dollars 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 notice 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 lead 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 there calls. This is purely criminal to me. The company which 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 6months ago and sent in the card cut in two. They keep charging me interest and over 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 quite 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 obtained a VISA credit card from them in 2005. My credit limit was $250.00. 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 with any success to get this account taken care of but the collection agency calls my home in the early morning hours, late evenings and call 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 arangement 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 have googeled this company and was amazed at all the complaints against them.

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 acc. and sent me a history also. I had to pay $4,153.72 to acompany I never heard of before that time.

Aspire Visa allowed my Mother-in-law to open an acc.in my name some how in 1999. She charged lots, returned lots, got cash back,cash advances,catalog ordering, went over limit,paid & was charged NSF fees paid even less, until she stoped in 2007. Aspire now sent me statements,I treated it like a scam. Then calls started eairly & late, even on my husband job! I asked for anything with a signature or bank acc.# P.O Box.all I got was *>#"* up credit & nasty Phone calls that pushed me to use some choice words

IN 2003 I HAD a 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 couldnt understand what they were saying, or they would not answer..I always got a tape recording..After 6 mo.. I gave-up.. NOW after 5 yrs.. They have contacted me and taking me to court, stateing that I was notified..HA HA..Out the blue, there contacting me..But the way it sounds that they contacted in 06..NO...They want 8% more annually..I origanally only put about 300.00 on the account.I sent a letter and the card back in 04 with no reply. Meanwhile, they run-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 lieing about when I last used this card.Abusing me and using our court system to collect money from there Victims.They recently went Bankrupt.

I have an account with Aspire Visa...They closed my acct. 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 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.

I do believe this company is frauding the account holders and something needs to be done about them ripping off innocent people.

open 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 $1500.

The is complete fraud and illegal buisness 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 destroyin my credit history.

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

Nowq they are saying I owe them $3.54. I have tried to resolve this with them directly but keep getting the run around. They will not re-open my account. I would pay th $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.

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!!!!

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.

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.

Company closed my good-standing account without warning leaving a balance without a credit limit lowering my credit score after taking years to build it.

Major damage to credit report and credit score. Seeking a class action lawsuit due to many other complaints of similiar nature.

When the company decided to close all credit accounts I transferred my entire balance to another credit card. I ended up transfering more than what my balance was and currently have a balance of -$8.63 on my account. I emailed and asked when I was to receive my check for the overpayment of $8.63 cents and received a phoen call from some woman from the company telling me I would not be receiving it. This is totally fraud.

Aspire canceled card without notification. Was never late or over limit. Set credit limit to zero with outstanding balance.

This is a huge red flag to the Credit agencies and lenders. Have watched my credit score drop 20 points in the past 2 months. Have also had another card issuer reduce my credit line due to high balances.

I was a long time client of Aspire and one day I just received a letter saying they were closing my account with no explanation. After calling the customer service number and asking how this would effect my credit report the man said he was not sure. I feel that if they went out of business at least they can do is lower or interest rate they are making us pay and put a statement on our credit report stating they closed the account with no fault of the client. I always paid my bill on time and i feel this is outrages that we let companies do this to us and there is nothing we can do.

this will show negative on my credit report.

My card was canceled without notification as well. After finding this website, I sent them a settlement agreement, but have yet to hear back from them. I only gave them 3 weeks to agree to the settlement, so if they take it I was get back on here and let everyone know. To the guy that already paid the balance, but it was still sent to collections, you can call the credit bureau and they will take it off for you if you can prove that you paid off the entire balance.

I had an outstanding balance of $270 on my card about 8 months ago. I called to pay off the entire balance and cancel the account. I made an electronic payment for the full amt and told my acct would be closed. Today, (1/8/09) I received a call from a collection agency that bought my old acct from Aspire and now claim I owe THEM the original $270 I have already paid! I no longer have the card so I do not have an acct number to access their online site. I've also searched extensively thru their site and have yet to find a phone number. So, I called back the collection agency for Aspire's info and was refused the info. So, now I'm stuck paying $270 again if I don't want my credit rating to plummet. HELP!!! Any suggestions?

Poor credit rating, 2-3 calls per day to my work and cell phone, and ultimately I may have to pay the balance again, if I have no other choice.

I have been a card holder for 4 years and I received a letter in the mail stating that my credit card will be cancel effective 12/29/08. When I spoke to a respresentative she stated that everyone's card was being cancelled and to continue to make my monthly payments until balance was paid off. She couldn't tell me anything else. I have no problem with paying what I owe, but I believe that we should not be charged finance charges, late charges. No charges. We should be reimbursed for our finance charges and pay only what we spent. It should not effect our credit score.We should be protected!

The same thing happened to me that has happened to everyone else that has filed a complaint. My card was closed with a remaining balance on there and at no fault of my own. I have built up great credit and this was the initial card that I received to do it 5 years ago. How can they do this and what does this mean for us? SOMETHING needs to be done. This is such a hit to someone that has built their credit up and has ALWAYS paid on time and has NEVER gone over their limit. I am getting married in a month and was using this card for wedding purchases and my honeymoon. What am I going to do now? I do not have time to get another card and do not want to put anything else on my report! Can someone please help us?!

My credit is going to be screwed!

Aspire Visa closed my account just like others with no reasons. I had a perfect payment history with this company for years. Now they still charging sky high interest even after account was closed, and I want to pay on line, they would charge $4.95 for each online payment, What a blood sucking banker.......

It is pretty sad that a credit card company like aspire can all of sudden just take your line of credit away, from you when you are paying your payments on time, and there isn't even a phone call or letter to tell you that they are going out of business.

You go on line to find out that you don't have a credit line anymore and they are going to hound you to make your payments when you aren't even able to even use your card anymore, not to mention the people that have automatic payments coming off of the card. Man that is just disrespectful of companies that do that. I think that they should have the guts to tell you that they are going out of business so this way you can at least switch from their idotodic card to one that at least will call or send a letter to you. Not to mention they have now just screwed up my line of credit to even apply for another card. They should have to deal with some kind of consequences,because believe me they will hound you and hound you till you pay every penny you owe and what are they doing for you or I. Nothing just giving you a line of bull every time you call them and ask them.

I had the same thing happened my credit is going to be ruined with a balance on my card and now a $0 credit line. This is a red flag to credit reporting companies. I found out that their main company is Compucredit. I found this article that might help everyone on this message board. They just settled out for millions. This might help us since Aspire is listed in the lawsuit under a sub company of Compucredit.

My credit will be destroyed from their actions. No money can repair my credit.

I too received the letter terminating my credit card account. I, like many others, have had my credit card for many years, and have been making timely payments.

Since receiving the letter, I have placed several calls to them but I cannot get an answer to my many questions. I, like everyone else am furious about the actions of this company, and agree that something must be done.

They Never notified me that they were discontinuing the card program. I have never been late on a payment and I pay the balance off in full each month. I called on December 22 to pay my balance of $1000.00. After the payment was made, a recording came on that said they were sorry to inform me that they were discontinuing the card program.

Had I known they were discontinuing the program I would have manged my finances differently for December. I had Christmas presents that I needed to pick up for my kids and have recurring payments on the card for instance, my sons orthodontist payment.

I tried to call the Orthodontist office to tell them but their offices are closed until after the first of the year. The payment is automatic. Not only did this represent a much slimmer Christmas for my family but to scramble at the last second to cancel automatic payments was unforgiveable at Christmastime.

I received a letter that said my account had been closed. I have always made my payments on time. In addition, I have never been late on any payments.I have been a customer for almost 3 years. The letter that I received also stated that I would be required to continue making monthly payments as well as a monthly account fee. I also am very furious because my account was closed before I was ever notified. I had tried to make 2 purchases. The credit card was denied.

I contacted customer service and they told me I had the availiable credit. Not once was I ever told that my account was closed. In my opinion, Aspire visa participates in unethical buisness practices. I do not feel like I should be required to pay monthly fees are membership fees when my account is closed I hope as consumers we will be able to stand up against this company.

I worry that by closing my account and showing a zero credit limit with a high balance my credit score will be negatively impacted. I like many Americans have worked hard to pay bills on time.

I also was a long time customer with Aspire and in November of this year I received a letter stating that my account has been closed. At the time I received the letter I phoned the company with no sucess of anyone answering. When I received my monthly statement in December I noticed that the interest rate was at 29.9 % and the credit limit was lowered to a 100.00 of my previous balance.

When I phoned the company again all I got was a run around from the customer service representative. I asked what my interest rate was before it was raised to the 29.9 and I was told this is what it has always been. I also asked for a copy of my previous invoice for the month of August because at that time I believe the interest rate was lower. I was informed to get a copy of the invoice that there would be a charge of 5.00 dollars. I also asked if I could go online to review my account and I was told no that since the account has been closed the information is not available.

I have read several letters that customers have posted on the website with the same concerns as mine. I do not no at this time how this has affected my credit score and I would like to know if this company can contiune to raise the interest rate? If this is the case, how can anyone reduce the balance that is due.

Closed Visa Account Without Warning. I was not late or behind in payments. Called no explaination.

Closed Visa Account Without Warning. I was not late or behind in payments. Called no explaination.

Could affecy my credit rating. could not get a straight answer from them on this.

I recieved a letter indicating that my account has been closed. I called customer services to ask about the problem about my account; and they said that it was closed and to keep paying my account no questions asked. I'm very bothered by this service!

I always work to have my payments on time and before the deadline that is due. This problem from my account is causing my credit report with problems that i have nothing to do with. I really want this to get solved as soon as possible. I dont understand why people in New York had this solved right away and nothing has been done here in California.

I have had an Aspire Visa Card since 2005 with a credit limit of 1125. I just noticed today that they have closed my account. I have NEVER been late in paying and NEVER been over the limit. I have an oustanding balance of $916 but for credit purposes they have me listed as having a $0 credit limit and am afraid that this will reflect negatively on my credit report.

violations of the credit laws. since my account was closed 12/8/08 I won't see the drop in my credit scores or how this will affect me until possibly January or February 2009 when they next report to the credit bureaus.

If my Aspire Visa is a unsecured credit card why should everyone keep paying them? Unsecured means nothing was put up front to obtain this card. This company is driving me insane and I worry all the time about my credit score. I think I need to start a network with other customer's to see if they think I am right about. One one page of Aspire website it say's it was a card for people with poor credit mine might have been in my earlier years but it's is stange I bought a new car and house with a very good credit score. So now I not only worry about other bills but this company is going to ruin my credit status and it seems as there is nothing I can do. So my solution is maybe I will just quit paying.

They closed my account, raised my intrest rate and I have NEVER been late and always paid more thatn owed!

My credit rating is plummiting as it looks like they closed the account because I was a bad customer, they raised my intrest rate,k how can they do this?

I received a letter from Aspire indicating that they were closing my account. I have had this account for a while now, I have not been late. Recently I received my credit rating and it has gone down. I have worked very hard to keep my credit score up. When I contacted Aspire, no one could tell me why this happened. Just that I needed to continue to pay the balance on this card. How could this happen and why would this effect my credit score if Aspire is the one closing the accounts? Any class actions, I want to be a part of it.

This unreal act has caused my credit score to go down. Something should be done about this.

I have been a customer with Aspire for over 8 years and have never been late for a payment. I even opened a second account up with them with the same payment history. I just received a letter for each account stating that the accounts were closed. I called only to be given the run around.

I opened these accounts due to having credit issues from a divorce and have worked very hard not to have credit issues again. I now have two cards with a longstanding history that have been closed by the company and it is refecting poorly on my credit report. It looks as though I overspent and was closed. This is a very bad reflection of the company and is detrimental to the people that had to come to them in the first place. It is a double-whammy because of the credit issues- a person uses Aspire then Aspire closes them, putting them in a more precarious position - not to mention the ballooning of the interest rates that they have now placed on the amount due.

I received a letter stating that Aspire Card was closing my account for no reason. I am very concerned about of what this will do to my credit rating. That have not given any reason of to why they are doing this. My question is why should I continue to pay on the balance if this has already had a negative impact on my credit report and why have the interest rate continue to increase. I truly do not understand how a company can do this this legally.

I received a notice of termination on my card without explanation. I have always paid more than required and on time. The co still wants to charge me a monthly charge until paid in full. If closing acct. this is not required. I plan on filing charges with the attorney general today.

About a month ago I received a letter that the card and account were being closed, no reason was stated. I was disappointed as I have had the card for years and had no issues once so ever. All of a sudden I am being flooded with calls about no payments being received and wanting information or the phone, I have been relucant and had my payments verified by my bank with letters from my bank that payments have been posted and submitted 6 in 2 months and they called yesterday saying they have not received any and to pay them over the phone I asked to speak to a Manager and I was hung up on! I am so upset what can be done? They call using 888-888-8888 number? What are consumers rights here?

I assume my credit will show maxed credit card since it has been closed and no telling what will happen to my rate and balance - my bank sent them letters verifing the payments processed and taken from my account and accepted!

I want you to tell me how this happened? I have had your card for 8 years and have never been late on a payment. Since your company is ruining my credit report maybe I will just quit paying and I only owe less than 900.00 Thanks for nothing

My husband is unemployed and I work hard everyday to insure our bills are paid. This is causing alot of mental strss on me because I can't afford for my credit report to be bad. Can you explain? Why is it fair for people like me who have never had anything and was so happy to have a credit card incase we needed food or simply a gift for a love one? THanks for nothing but sleepless night and headaches.

My interest rate on my Aspire Visa account continues to increase after 2 years of regular payments in excess of minimum due. Although I have not used the account in 2 years, I have a balance of $3300 versus the $3600 2 yrs ago. Many communications have been attempted to explain the 33% interest rate without success.

The company seems to be taking advantage of my ability to make regular payments without reducing my debt.

kept good payment history and good customer for years. cut credit limit and canceled card as of december. paying off balance but rate is higher and receiving late charges. FOR NO REASON.

I have had an Aspire credit card Account since 2000 over 8 years perfect payment history. I recently daid my balance down 55% from a credit line of $2250.My interest rate has been jumping about every six months currently at 36%, a financial raping, I feel. I recently call the company to find what my balance is and try and reduce my interest rate, only to find they have stated they are closing my account fo no reason other than they are closing all customer accounts.

They would give me no legal reason for this closing.I asked what happens to my balance and any interest charges, they stated I must still keep paying, I said to whom, they said Aspire, I said why if they are closing all accounts. I wonder if Aspire received any of the Bailout funds? I received no notice of the closing of this account to date.

The consequences and economic damages from the result of Aspire closing this account will be huge in reference to my credit report and credit ratting I have been building up for over 8 years with a perfect payment history, not to speak of the possible damage in reference to attempting to get a loan of any size.

I recently received a letter on terminating my account with no explanations. I have had this account for 5 years with no late payments. No one in customer service will give me an adequate explanation. My interest rate went up even though I have a good credit rating.

They lowered my limit to $0.00 which looks like I'm over on credit limit, which in turn will show negatively on my credit report.It is hard enough to get good loans without this company doing consumers the way they are with no consequences for their actions.

They cancelled my card for no reason and charged me a $69.00 annual fee. I have been with them for probably 5-6 years, never been late! Now I am worried that it will affect my credit score, because it may show that I am maxed out and closed a long term account. What do you do? and can they still charge you all those fees if they are no longer in business?

Within the last month tried to refi our house to a lower interest rate and my credit score had dropped because it showed that I was maxed out on my Aspire Credit Card. So the bank declined our application for refi. We also buy houses and have rentals and I am afraid that it will affect that also.

I went to use the card which I keep a ZERO balance on and only use when I'm traveling usually for rental cars and noticed that they had increased my credit line for the first time. When I tried to use the card online I was denied. I called the company only to be sent into a recording that said ALL cards issued by this company were being cancelled. I OPENED UP THIS STUPID ACCOUNT TO HELP FIX MY CREDIT NOT FURTHER DESTROY IT!!!!!! And this was without any letter, any indication that there was a problem. BY LAW they have to notify you but I WAS NEVER NOTIFIED.

I thank God I don't have a balance with these idiots. They are trying to make me pay the annual fee of $179 to add insult to injury. I want to be involved in any and all class action suits against these people. They are the WORST to deal with, they send you to an off shore customer service center in Panama City, Panama and you cannot understand anything these rude people say and you cannot get any issues resolved. They only badger you in getting money from you when it isn't owed!!!

I guess I'm not the only one to receive this termination letter from Aspire. I've had this card for 3 years. It was the first one I could get to help reestablish my credit after a divorce/bankruptcy. I have never been late with payments, have always paid on time & always more then the minimum amount. Two days staight I recieved calls at work from their customer service people (from India) who I could barely understand wanting a payment even though a payment was on its way.

They were both very rude & persistant wanting a payment over the phone, which I would not give them. Then a day later I receive the termination letter. I will pay the remaining balance but I have several questions. Is the company no longer? How does this effect my credit score (which I am trying so hard to rebuild)? If the company is no longer, couldn't the balance be put onto another card (I do not have another card I can move the balance too)? I feel that Aspire should be doing something to help the cardholders.

FOR A LATE PAYMENT .WHICH I PAID. THAY CLOSED MY ACCOUNT OF 4 YEARS.

this aspire put a lien on my bank account considering i had called to make payments arrange of $60.00 because it all i can afford and on top of that that had charged me interest on the card. these people had also place a lein on my kids(babies-minor) account. i need someone to help me stop this. i had call these people but they are also touching myexusband account and taking his money of which he had nothing to do with, i was single went i had this card card. i had send them a 3 months bank statement proving money they are taking is not mine, its been more than a week and they have not done anything to solve it. please i need help to solve this problem.

pain suffering, stress, my kid saving gone,i am separated and money being taken out from ex spouse of which has nothin to do with him,i was single when purchase this credit card.

I just received a letter in the mail that they are canceling my card. They did not provide an explaination. They stated that the credit limit would be $100 over what the balance is. But as of today, the credit limit is $0.00. I don't know if this is legal or not. I seen where there are a lot of complaints. Can they really do this?

With this card closed with a balance on it, my credit score has dropped.

I too am troubled by the letter I received from Aspire Visa that they are closing and closing all accounts. I too have always paid on time, sometimes, making 2 payments in one month. I was also troubled by the responses I received from customer service reps about how this account closure will be reflected on my credit report. Like many, I got this credit card to rebuild my credit. Now with Aspire closing and closing all accounts I fear for the minimal credit I do have. I too feel this is unfair, fraudulent business practices. What legal actions can a consumer take?

This closure has the potential to be detrimental to the rebuilding of my credit history!

My credit will be negatively impacted due to Aspire closing our accounts as if the consumer closed the account, continuously lowering our credit as we pay down our balance so it will appear as if we are maxed out, increasing the interest rate to the maximum allowable all the while being assessed yearly and monthly fees. I am in Florida, I found some bull dogs that are looking into the company, this applies to people who live in the gulf coast, if someone finds another law firm please advise.

My credit rating will go down though I have been trying to make it go up. Your credit needs to be next to perfect these days to be offered a line to purchase a home which my intentions were within the next year to year and a half.

I have had this Aspire Visa Card for a long time never late always paid at least the minimum even had paid it off several times and this last time I had just paid it off 957.79 On 12/03/08 a couple days later it showed i had my full 1000.00 credit limit and a few days later it showed up that i had only 100.00 Limit I called and got stuck on an automated thing saying ALL Accounts were closed due to an Executive dissision to do away with the aspire visa program.I don't have to have this card I have others but this is the card that I rebuilt my credit with I have Paid a high yearly fee and high monthly fee's and high interest on it and then the other day paid it off with no indication of them being in trouble thinking if i pay it off and need it its there for me.That's pretty dirty in my book.

they canceled my account but didnt close it. i sent them an email and ordered them to CLOSE the account completly. i had a 2000 balance with them. then i went to a finance company i had an account with and refinaced to get funds needed to pay aspire visa in full. i cut the finance company bill in half also and paid off aspire and saved about 150 dollars a month and protected my credit score and credit rating. if anything my credit score went up instead of down. bye bye aspire visa.

I received a letter of termination on my account which has been in good standing with this card never been late for 4 years. I originally opend this card to help improve my credit rating. I called the customer service number provided the customer service person on the phone wouldn't give me their name it was hard to understand them they talked like they had marbles in their mouth. I asked why my account was being closed they said Aspire card was no longer in business.

I asked why was I going to continue to be billed finance charges and a montly maintenance fee if the company is closed they said I had to pay it or get a bad credit rating. I asked about getting the $125 annual fee that I was just charged removed since I couldn't utilize my card they said they couldn't do that it was stated in the terms of my original credit agreement. I also asked who was going to over see the accounts (meaning is another company taking over the accounts) the reply was no.

My concern is who is going to actually monitor these accounts and if there is a negligent reporting to the credit agencies how can I get it rectified if they are closed. I'm overly concerned that my credit rating is going to be affected with no accord of my own doing or recourse. This seems to be along the lines of fraud if they are still collecting fees and finance charges. Not to mention no warning on the account closing just that its been cut off. If that is the case then why are they still advertising for new card business all over the internet shouldn't these have been taken off if the company closed in November of 2008? I haven't heard or found out anything about them filing Bankruptcy.

What action is being taken regarding this Aspire Credit Card for know reason other then Discontinuing...is any action being taken to sell the Customer List or what is going on here? Please advise

This is the longest card I have had which is very good for the credit rating companies and now it will show that I all of a sudden closed out my longest standing account. I was told I will not be charged another annual fee on the card but I am also suspicious about that because they will continue to bell me for a monthly account maintenance fee. I have not had many problems with this card but there have been a few. When my son was born I was a little behind but never more then 30 days late. I started receiving many many phone calls on my cell and at work. They would call more then 8 times a day from 8am to 10pm everyday. My hope with this complaint is that this company will be held liable for posting fraudulent information on peoples credit reports and continuing to charge fees to customers who by no choice of their own had their accounts closed. I will be following up with another complaint to the FTC and consumer affairs if I do see an issue with my credit report. If it is possible to find a way for a class action law suit in MD then I am all for it.

I don't know if any economic damage will result but I know it will if the card shows on my report if closed by me.

I had a previous balance of about $24.00. I paid %20.00 on that bill expexting it to bring my account balance down to about $4.00 plus finance charge. They added a $75.00 participation fee to my account so my last bill said I owed about $68.00. Then they sent me a lettrer saying they had terminated my card and that I could not use it anymore. In the mean time, they are collecting intrest on the $75.00 charge for a service they are not going to honor. Why should I pay a Participation fee plus intrest on a card they canceled. I called them and told them That they actually owed me because they had charged me for a service they have no intention of providing. They said I would have a credit balance on my nect statement, and they would send a refund check. I'm dubious as to whether they will do this. This seems like unfair business practice and I think it should be illegal. I have always paid my bill on time.

What recourse do I have?

Will this affect my credit score. I have worked hard to maintain a Excellent credit rating. Will my credit score drop because my report will show a card Closed by Grantor, plus my available credit limit will go down. There should be punitive action against Aspire.

I got a letter which is a notice of termination of card program yesterday, so I called this company to ask why. But they refused to answer my question, and they told me that there is no personal or nothing wrong with my account, and the company closes everyone's accounts.

I am not happy about this since I have been paid on time every monthly without any missed payments for about three years.

Why does the company decides to close everyone's accounts without any reasons?

this company keeps calling me telling me that i had an aspire visa when i know that i did not have this card i don,t even own one credit card i was going to pay themjust to keep them from calling me but things are so up in the air at this time i can,t do that i just want my name to stop being used some years ago my purse was stolen and i never got anything back

I have had this account for over a year. It was my first major credit card. Recently they sent me a letter stating they are closing my account for no reason but still expect me to pay all of the monthly and yearly fees. This is ridiculous. They should not be able to collect all those extra fees when they close the account for no reason.

This has damaged my credit rating which was very good, and now has dropped as a result of this!

I have had my Aspire Visa account for almost 3 years now, never late once. My credit limit has gone up every few months and all was good. Today I get a letter that my account is being closed for no reason. They fully expect me to pay all the fees. This is amazing. This will no doubt impact my credit score and the whole point of getting this card was to build my credit. Someone needs to file a class action lawsuit against these companies. To pay the balance is one thing, but when they close the account they should forget about all of the extra fees.

This will negatively affect my credit score. It is unknown yet what will result from it.

I am a consumer in good standing with aspire. I paid bills in full every month. I maintained a zero balance on the card jmosxt ofv the time. i was outraged that the company charge 6.95 a month even though I did not use the card. Wanted to cancel but I was concerned about adverse credit scores. Was advised on Monday th7e account wazs closed.

I have had my Aspire Card for about two years now. I pay the entire balance off each month in hopes of improving my credit. I checked my account earlier today and my credit limit was $850. I was planning on using this for Christmas shopping. I tried to use the card and it was decline. I called Aspire and was told that a letter was being mailed to me stating that they were closing my account. I paid all the up front fees and keep my account in good standing and now I am going to have to start all over with another company similar to this one because my credit is not great. I don't think this is fair.

I planned on using my card during the holiday season but now I will not be able to. This has put great stress and anger on me. I can't see how they can just cancel this card and not give me any notice first that this was coming. I need to know another company who is willing to to take over my Great Standing Asire Visa account. I cannot afford to pay all those fees and I sure hope they don't think I am going to pay any interest or the 6 monthy maint, fee. I need help.

Its about my credit card. I had been paying Aspire either the minimum or when I had llate charges, paid them too. I lagged behing in my payments because my son had gotten laid off and I was stricken with heart problems( weell I still have it). Then the phone calls started. from 8:55 a.m. to 9:00 p.m......no let up. The nasty phone calls at work especially. Today was the last straw. Each time these aspire people would call, I seem to end up in hospital. A Mrs. Lowery and her colleagues wanted me to pay $20.00 on my account...when I told them I did not have it, they blasted me out. So I guess they wanted the $20.00 for their lunch.

I explained to them that since I live practically pay to pay, it could only be done on Saturday. They did not want to hear it. They said that they know where I lived and that they did not know the laws of NYC, but that they were giving me a good deal. How can they be giving me a good deal when they are still charging me for interest and everything else. Of course I want to pay my bills but the money is not coming in because my son is still not working. Aspire should be put out of business.

As a result of such harrassment at work, I cannot get my work done, my condition worsen especially when aggravated.

I have had this visa card since 2006. I pay my bill on time each month, been late one time, because I paid it online and today I still don't know what happened. I pay each month for this cardsafe protection. I was recently in an accident at work and was injured, and the doctor took me off from work. I called the credit card company to let them know that I'm off from work, and will not be able to pay my bill for this month. The rep. told me to call back in 30 days. I asked why do I have to call back in 30 days. He said that I have to wait 30 days before I can report being off.

This was not told to me when I purchased this. I don't know why it is necessary to wait 30 days. I have other cards, and I called them and they sent me the paper work to fill out. Aspire is such a rip-off. It has always been the more I pay, the more I owe. I wish someone would please shut them down. They are not helping anyone, but themselves.

I got a letter today from Aspire Visa. I had written them a letter about why they were dropping my credit limit even though they closed the account. I had made all my payment on time and had paid way more that the minimum. Some guy named Neil and no last name but with number 11460 wrote me back saying that your current credit limit has been set to you current limit or a limit which is set to $100 greater than the outstanding balance, including any unbilled amounts as of the date of his letter, 12/2/08, whichever is lower.

He also continued saying that they will continue to charge the per year account fee of $175 per year. He also wrote and said that the closure and reduction in credit limit would more than likely have an affect on my credit score but that was my problem. I did do something smart though. I got all the copies of my account statements for the past two years and my credit reports and if they try to charge me a fee for going over my limit or some of made up charge I can prove them wrong and my documentation will support me.

In my letter to them, I told them that if they tried some trumpt up charge, I will go to BBB and file a complaint. Here in Va, I have heard that at least 50 people have wrote the BBB and it is possible though not probable a class action action lawsuit would be filed if they continue to add charges that do not exist. Keep you statements and your credit reports from the past few years. Aspire cannot bully you.

The Aspire Visa phone rep advised every card was closed due to the state of our current economy and credit disaster. I was transferred to their accounting department when I asked if they were going to continue charging the annual fee until the account is paid in full. After 20 minutes of hold time I gave up and hung-up. I'll wait to see what shows up on the statement.

Like most recently have stated on this site, I too, met all requirements above and beyond, never late, paid double the amount due or more each month keeping the balance to at least 1/2 of my limit.

The Aspire Visa phone rep advised every card was closed due to the state of our current economy and credit disaster. I was transferred to their accounting department when I asked if they were going to continue charging the annual fee until the account is paid in full. After 20 minutes of hold time I gave up and hung-up. I'll wait to see what shows up on the statement. Like most recently have stated on this site, I too, met all requirements above and beyond, never late, paid double the amount due or more each month keeping the balance to at least 1/2 of my limit.

I received a letter that my accoutn was being closed liek many others, and had no idea why. I had made my payments on time and was paying down. I am upset that this may hurt my credit when I am workign hard to rebuild it. Will thsi hurt me?

I have been a card holder for about 8 years, I never had a late payment. I noticed that my monthly payments even though they were higher than the minimum where not lowering my balance so i called and wrote to Aspire asking to look at my history and lower my rate, they said that they wouldn't then a week or two later I got a noticed saying that my account was being closed.

I called Aspire because I do not want my credit score to go down, they told me that they were closing all accounts and that it would not affect my credit but I need writing proof. Since the interest rates seem to keep going up I have been stressed trying to pay down the card without much success and now I am worried about my credit being ruin at no fault of mine.

I received a letter dated 11/21/08 stating that Aspire is discontinuing the Visa card program, effective 12/8/08. I am livid about this. I have had this account for about 12 years now, originally through Providien and then my account was sold to Aspire. I am outraged about this because we, the consumer, were not given any warning and we obviously have no repercussions. Aspire should not be allowed to get away with this.

And to make matters worse, I was told that my account would still accrue interest while there is a balance owed. Obviously, by reading your consumer complaint page for Aspire, I am not alone in this. What can result is a reduction in my credit score which I have worked hard to increase. I pay all my bills on time, including Aspire Visa.

I had this card for about three years now but it's been really crazy having this card.I started having problems making payments on the website. I tried to log in to my account and it would not recognized my account number than i will call customer service and spoke with the representatives and i was told that there were doing some updates on the website. Therefore, it was not working, so they would give me a temporary password to log in but it never worked and than i had to pay my bill anyway so they would charge me late fee.

I stopped making payments on the website and i mailed my payments.I am currently paying my balance and now my account was closed two months ago, Is it not amazing having this card?It is Dec 08 and i am still having problems logging in and the worst is that i called customer service and they told me that my account was closed without sending a letter to me. They told me i went over the limit and did not pay my account so they closed it.I was so shocked and angry to my self to have kept this card all these years, i have other credic cards and they do not treat me like this, they are very professional and finally, my advise is that if anyone has this card pay it off and don,t use it ever!Do not close it or might lose points on credic score, just DO NOT USE IT EVER!

I used this card a lot so they made a lot of money and late fee's that i felt that it was there fault that i paid to find out at end that they close my account all of the sudden with out me knowing was the just very unethical.Finally, i am paying current balance and look forward to pay it off and destroy the card for good.

I too have received the same letter telling me that they have cancelled my card. When I called them to inquire as to the reason, because the letter stated no reason for the decision, I was told that everyone one received the letter that the program was cancelled. I also inquired as to the effects that it would have on my credit score and she simply said she couldn't answer that at this time.

This is outrageous. A company that has done this to their loyal customers is unexceptable. I know times are hard for all right now, but to cancell and give 10 days notice is unexcusable. I'm not even sure that it is legal. I think everyone should complain, complain, complain until someone looks at this issue carefully.

Like many others, I recieved a letter of termination by this company. Never have I defaulted on my card agreement with them. All my payments are made on time or before time. This is a really unfair act on the part of this company. Some of us pay our bill and then use the avaliable credit to get by to the next pay period. When I called they were not able to tell me anything but that they were sorry for my problem. I did ask for a reduced intrest rate, but was told they could not even do that.

Because this is my oldest account on my credit history, it will have a very negative effect on my credit score. And when this occurs I will not make another single payment to them until they lower my intrest rate.

Received notice of account closed. Have paid on time and never late.

Damage to credit.

i got a letter in the mail stating that i can no long use this aspire card

I have a payment for 109.00 that comes out each month that this card was paying each month

After having a Visa credit card account with this 'bank' for a few years, I received notice 11/26/08 that my account was being canceled for no reason effective 12/08/08. After searching online, I found that I am not the only one that had this happen. I have been a good customer and have never had a late payment as long as I have this card. Now it appears that this closure of my account will affect my FICO score. I got this card to help me reestablish credit and they do this.

I would like them to explain to me, and several others why they did this, and promise not to ruin what is left of my credit. I don't care if they reestablish my account, but I don't want any negative repercussions from this. And, I want them to stop charging interest (which they are doing and will do until the end of time) not just for me, but everyone else involved. If they go bankrupt, am I still liable?

I have been with aspire for many years as well. I payed my balance in full for most of that time until recently I let my balance get up there and all of a sudden I was paying more in finance charges than I was on my actual balance. When I started calling customer service to lower my interest they stated that the computer decides your interest rates.

At this point I have begun to pay what I can and I have also contacted the better business beureu and filed a coplaint they have compucredit in there files the more of us that complaine the sooner we will get our justice. The stress is taking it's toll

Received a letter like many others that they are closing my account. Is this Fair. Heck NO... is it expected, I guess so since they do charge outragus rates. Right Wrong or otherwise they should do someting to help us out since they are the ones who are closing the account out.

Had available credit on it. Not able to use it now that the holidays are appond us and we could use all the help we can get especially since I have two more to feed. Bother-in-law lost his job and is living w/ us. The credit on the card would have helped.

I was informed last month that my Aspire Visa account was being closed. This came as a shock to me, as I have always paid the bill on time and have usually made much more than the minimum payment. When I contacted the company, I was informed that all cardholders had recieved the same notice. Fortunately, when I mentioned this at my bank, I was offered a credit card immediately through them, so evidently the closure of Aspire Visa doesn't seem to have affected my credit rating.

However I'm very curious as to what exactly has happened within that particular company to cause the cancellation of ALL of their credit accounts. I will have to pay off the balance of the account--which of course, I understand. However, their practices certainly make me hope that they are being investigated.

I also got a letter yesterday saying that my account will be close beginning next week but still I have to pay my balance. I don't object about it because I did use my visa card but I want to know why the closing?

My husband and I are buying our first house in a few months and the realtor said that I wiil have problems with my credit if this card appaers like closed by the bank even when I make my payments on time

I too received the infamous letter from Aspire which made me very angry. I definitly would have done a balance transfer and closed the account myself so that it did not affect my credit. But the major complaint I have..which no one has mentioned that on my statement for this month..they have included there annual fee (which is billed for the following year)

So not only did they close the account they want me to pay the annual fee for next year. I have already made my complaint to the ftc as I urge everyone else to do.

I have had this credit card for approx. 3 years and pay it on time every month, I haven't used it lately since the balance was getting high and I wanted to pay it down, then today I get a letter saying they were closing my account due to management decisions, when I called to get more information they continued to use the same excuse. I am so mad that I am almost ready to not pay them. I asked if they were going out of business or going to claim bankruptcy and if that was the reason for this decision and they completely avoided the question.

Am I obligated to pay if they go out of business or if they claim bankruptcy? I am really discusted that a company can just make such decisions with no notice at all. I haven't had any repercusions as of yet due to the company's letter, however, I am tempted to ignore every paying them another cent until I get some serious answers as to what it going on. I am seeing that I am not the only one they have done this to and find it outrageous that they can get away with it.

I have been a customer with Aspire for several years and have always made my payments on time but like a lot of other people here I received a letter today informing me that Aspire were terminating my card program and reduced my credit limit down to $100 of my balance. When I checked online my limit has actually been reduced to within $30 of my balance.

I am lucky that I do not have a particuarly high balance but with all the credit issues that we as consumers have to deal with these days, the last thing we need is a negative mark on our credit reports from an unfeeling and mercenary company like Aspire. I have tried calling the company and so far have not been able to speak to anyone but have filed a complaint with the FTC. I urge everyone else who is in the same situation to do the same. This definitely looks like cause for a class action suit to me.

closing my account and ruining my credit. i never had a credit problem untill now when [they] closed my account for no apparent reason unless [they're] a failure at credit managment and running a business so make everybody suffer for [their] mistakes. bad apples. it appears that [they're] no exeption to the rule and trying to shift the blame to your customers for [their] errors in judgement of bad credit opractices on [their] part and not the good customers who were faithful to [them].

bad credit as the result

I recently recieved a notice of termination of card program from Aspire Visa letting me know that my card was being terminated and I would not be able to use it anymore. I have never been late with any of my payments since I recieved the card. This is going to affect my FICO score and I believe that Aspire should notify all 3 credit bureaus that cosing of my account was not because I did something wrong.

I was a credit card holder of Aspire Visa for many years, never with a late payment and never a huge balance to pay off. Out of the blue, I got a letter stating that my account was being closed for no apparent reason. I have since cut up my card thinking that there was some kind of fraud going on and now I'm trying to see if my credit history is compromised.

Consequences are yet to be determined-potentially catastrophic. I'm not planning on purchasing any big ticket items anytime soon and am worried about the long term effects of credit scores and future ability for credit. Your life could literally be ruined if credit history gets out of control. Very scary.

I had called Aspire Visa customer service to check on my outstanding balance. I was told my account had been cancelled, my avaiable credit went from over $3,000 to $0. I was told I was still rsponsible for the $650 balance and that it would reflect negatively on my credit score if i do not pay the balance due. I was told that I was not the onlt one this was happening to. I was told that Aspire Visa has terminated their credit card program as of December 8th 2008.

I asked if the termination of the account would affect my credit score, i was told it should not, but that there are no guarantees. Termination of account might have negative effect on my credit score. Also credit built up over several years is now gone.

I got this credit card 5 yrs ago and always pd on time. I went online to check my balance and make another payment and there was no limit i was down to $0.00. They said i was always late on payments. And i was never late. And they tacked on abot $95.00 to the bill for God only knows what. Also i have another card with them Salute Visa and the same thing happened with them.

I got a letter stating they closed my account. My letter reads as everyone else's does. I have two huge problems. First off I understand if they want to get out of the credit card buss. That is there choice. But why make us suffer. Times are hard. Why did my intrest rate have to go up? Why does my credit report have to show I am maxed out on my card because they made my limit my balance?

They dropped me. I would love to pay them off. Give me an intrest rate that will allow me to pay them off. This is insane. They took my rate to 29.99% they did this because they closed my account? Come on? Nobody can help when I call. What can I do?

My credit score is suffering. I also owe more then I did.

I am a previous account holder with Aspire Visa and I reside in California. Is there any judicial relief for California customers of Aspire Visa similar to the relief New York residents were afforded in or around July 2006.

I, as well as every customer they have, recently received a letter stating they are closing my credit card account and have reduced my credit limit. I have called and they stated this was a management decision. I have asked to speak to one of the people who made this decision and have had no success. I have always paid my bill on time and always pay more than my minimum payment.

The people you talk to seem to almost be robotic in their answers to your questions, like they are reading off a script. Any help would be appreciated. I have found they are in trouble in New York and are having to pay a settlement to consumer's for deceptive business practices. I don't want this to negatively affect my credit as I know it will.

My credit is going to be negatively affected due to the fact this will be shown as a closed account. This came with no warning what so ever. It was completely out of the blue. PLEASE HELP ALL OF THE CONSUMER'S THEY ARE GOING TO NEGATIVELY AFFECT.

My income is shorten and I have call them several times and let them know that I can only pay ten dollars a week. I was told this was ok, but now they want accept my ten dollars payment. My credit is shot to hell.

I recived a letter stating that my was closed,as of DEcember 11 2008. I was told that I had to pay off the balance of 5,773.00. I read on some of the complants about Asire that the have reduced some accounts down to $100 with more balance then mind, why is this? It is not fair. There are so many complanits about them on the web.how they sent out letters without any reason. Please help me. I pay my bills on time plus add extra to the amount due.Thank you for taking the time to read this letter. Hoping to hear from you soon.

I recived a letter stating that my was closed,as of DEcember 11 2008. I was told that I had to pay off the balance of 5,773.00. I read on some of the complants about Asire that the have reduced some accounts down to $100 with more balance then mind, why is this? It is not fair.

Aspire has been getting away with cheating people along time and it is time that they pay back the people. There are so many complanits about them on the web. how they sent out letters without any reason. Please help me. I pay my bills on time plus add extra to the amount due. Thank you for taking the time to read this letter. Hoping to hear from you soon.

I recently was pre-approved for another card from this company(CompuCredit) and I have had an Aspire Card for 3-4 years now and have paid early and kept my account in good standing, however, I noticed and informed this company immediately that there was an error with the social security number. Today I received a letter stating that my Aspire Card was terminating my card program and informing me that I am still obligated to pay.

I am Outraged and when trying to contact all I get is a bunch of hassle and non english speaking individuals. After researching online I have discovered the rest of us out there that this company is doing this to. It is unfair and everyone should stand up for their name and credit rating. Demand this company stop this unfair credit pratices.

I have paid on this card early and in good standing for years and this has never been reported to my credit report. I got another card from this company with a very low credit limit and then they close my larger credit limit card. this has caused me very much stress and confusion.

As a card member since 2005, all my monthly payments were done on time, and I even reduced my balance more than half, because I was in the process of buying a house, and I needed my FICO to go up just 10 more points.I was using this card, as well as the my other ones, with responsabily,

however, about 2 days ago, Aspire Visa Card sent me a letter, letting me know that my account was closed.Inmediatly after, I called the phone # they provided in the letter, but they told me exactly the same, like if they were just reading the letter over the phone to me. Later I realized, they are doing the same to a lot of people nationwide. Is there something we can do to solve this serious matter?.

I'm buying a house rigth now, and after a lot of hard work to pay my credit cards off, or lower the balance, in order to get the highest possible FICO score, I'm affraid that my credit score would go down because of this account closing without reason, and as a result, I won't be able to finally get the house. I don't think this is fair after all we had to work in order to save money for our house. Me, as the rest of consumers in the same situation, need both an answer and a solution.

well first they raise my intrest rate to 30 percent for no reason they said because i missed a payment which i did not. now they are closing my account like lots of other people for no reason. cant we sue these people

bad credit

I've been a credit card holder with this company for years paying them a hundred dollars a month of which they've applied forty toward the ballanc and took the rest for interest.Today i got a letter telling me they were cancelling my card.And that i still owed them and had to pay them.It's understandable i guess and underhanded.Due to the fact they have charged me so much in interest charges that it made it impossible to get a head on my ballance.

I have had this credit card for about 3 years, then clear out of the blue I recieve a letter they are canceling my account. Never been late paying gave no explanation and demanded I pay in full. When asked due to their need to close my account the least the can due is waive the interest on the balance owed. I was told no, no, you will pay in full or you will be charged all fees. 24% or higher. This credit card was a back up for emergencies Now all I have is a big bill to pay.

I was about to notify them I was layed off and to use my security plus atvantage. Now I am forced to pay with no restitution.

I have been with Aspire Visa for about 5 years. I have never been late on a payment and my credit limit has been increased every year since I have had the card because of my payment history. Recently I got laid off and had one late payment. I went online to make my payment and saw that my credit limit says $0.00. So I called their customer service department and they told me that because I had one late payment that they closed my account. They said that this is a new rule that went into effect in July of 08. I informed them that I was never notified of this change. They also was not very helpful with thte information that they gave me and tried to get off the phone several times without giving me the information that I requested.

I am in the process of looking for a home and the credit card that raise my credit score has now dropped my credit score because they closed my account. If this really affects my credit I am going to be highly upset.

I had same problem too. I had been dealed with Aspire for years and never been late for payment. and I got a letter from them today saying that NOTICE OF TERMINATION OF CARD PROGRAM I HAVE NO IDEA what is going wrong and like others. What kind of legal rights do we have and what is going to impact our credit report?

i have had this visa for a while. i have always payed on time. today i was sent a letter saying that my visa is termination of my card program. i called them, they told me the same thing over the phone.

i am on a fixed income. they told me last month that i was over 1:61 on my limit. i always pay on time. i was going to pay it off .

I like several others, received a termination letter for my card. No explaination nor was I able to reach anyone re this issue. This seems to be the case in this country with little regard to accountability. This company should be held accountable and investigated for unfair business practices.

I have been trying to maintain a decent credit score, but this will surely hurt the process regardless of what they are telling other card holders. They should do the right thing and send letters out on our behalf to clear up the confusion. It would be honorable to have a way to notify the various credit reporting companies that this is not our doing.

Was notified that my card was not to be used after Dec. 1, 2008 due to no fault of my own. This letter was sent out merely days before i was going to use it for holiday purchases. i have a history of on time payments and have nohing overdue. this is not only unprofessional it is unconceivable that this would be done at a time like this. i request this be investigated on my behalf.

i recently sent in a payment that could of been used for other expenses.

I also got a notice stating Aspire Visa was terminating the card program. I called and got pretty much the same answer that everyone else got. I did some research and wanted to let you all know that Aspire Visa are FINALLY going down!!!! It's about time, they have been ripping people off for years now. Looks like there are going to be a lot of fines.

Aspire Visa...the infamous letter arrived at my house too. After reading the complaints here I went to the Federal Trade Commission's site. They are the regulatory agency for CC companies. GO fill out their complaint form. The more of us contact them the more likely we will hear from them. This what I wrote: As many other consumers, I have received -after more then 6 years of being a customer- a letter stating that they have closed my account, reduced my limit, and that I am OBLIGATED to pay them back no matter what. I was shocked.

I as a responsible person got on a DMP program but kept my Aspire as a back up for emergencies. I do not want to file bankruptcy. So for this company to close my account without warning is ludicrous. I did a short little research online and came to the conclusion it is not worth calling the company based on other customer's complaints (no English speaking and helpful reps).

After having an Aspire Visa for 8 years and paying on time every month, I received a letter today, November 26, that my account was being terminated. What in the world? How does this affect my credit? I'm trying to get a house and this is going to really tick me off if this stops it.

I have a Aspire account which originally started as Providian Visa. I have paid my account without failure monthly but recently had over the limits which were paid on time. I received a termination of card program letter as others without any chance of paying balance in full or closing the account as most creditors offer. Is this action legal for consumers who are paying and the company decides to terminate business? How can I protect my FICO? Help please, anyone

My already teetering FICO score will be reduced making it hard to reduce my $9,000.00 balance which is like a car note monthly.

I received this card years agao to re-establish credit. But the interest rate and fees were over the top and I would call Aspire about that, with no results however. I received the same letter that everyone else is complaining about - the terminatino of credit card program letter on Nov. 22, 2008. And hope that this does not ruin my credit.

I made over-the-minimum payments on time for years. Aspire is hush-hush about it. Looks like they are going under. The FTC already has a lawsuit against Aspire's parent company CompuCredit - go figure. I just hope that they aren't bailed out with everybody else these days. Taxpayers don't need this. This is disgusting.

The 21st of November I got a letter from Aspire Visa informing me my card has been terminated..I have had this credit card for awhile now, having it to build up my credit I have always paid on time and never been late with payments and have even paid the card off at times. When i received this letter, there was never an answer or any information telling why my card was terminated. I called the the number they gave me to get the reasons why and when i did, the lady I was talking to and askin why this had happened told me that it wasn't just me that got terminated but alot of others and whe I asked her why, she just told me thats just the way it is in a very smug way, and I still never got an answer why my card was terminated. Because of this I am worried about my credit rating in the future.

The damage hasn't hit me as of yet, but I am worried about my credit rating and future accounts I might try to get, either it be getting another credit card, a loan, buying a car, or getting a house.

credit card program got a letter nov.22 2008 i can no longer use the card. no explation was given just like all the rest of consumers. they said it was nothing on my part. if i had have known this my payment would have been asmaller amount i could have use the cash to pay with instead.

this letter was mailed 2 days before black friday. i was going to use it for shopping. the person who i spoke to could not understand or hear very well..i am not from china.

I received a letter indicating that my account with Aspire Visa was terminated. I have never had a late payment in the many years I did business with Aspire. When I called the 800# they told me that they were discontinuing the program. Since this will be closed by them, this will affect my credit rating, which I have been building since the loss of my business in 2000. I am very concerned about the consequences of this and after reading other complaints online about Aspire Visa, I think there should be a review of the consumer complaints and how this affects our credit.

Like many others, I received a letter in the mail today informing me that Aspire was discontinuing my Aspire Visa Card. I can honestly say that I have never had an issue in the past with Aspire, as others who have written have had. I did call the company and was told that Aspire was cancelliing all of its accounts.

I just want to know how this is going to affect my credit and how it is going to be reported to the credit reporting companies. I also want to know if it is legal for them to raise the interest on the card, when they are the one's that are closing the account, what rights does the consumer have in this situation, if any?

Got the same letter as everyone else did below. I called to close my account so it would not show on my credit that they closed it. On hold for 24 minutes, hung up, called back, on hold for 21 minutes, hung up, called back, asked for a supervisor...she tells me i can't close my account either. She insisted that this would not impact my credit poorly...I find that hard to believe. I could not understand a word any of them were saying, there customer service was awful, and I do not feel that my issue was resolved.

When I got home today I opened my mail and to my disbelief it was a letter from Aspire stating that my account had been closed. I have had this card for 3 years, never missing a payment and paying off the balance annually. How can they just close an account without warning?! When I contacted the company they told me that the Aspire Visa card program was being discontinued and that it had no bearing on my credit history because the account was not closed due to something I did or didn't do...don't know how true this is. This is so unfortunate and ironic, a couple of days ago I called to request a new card because the old card was expiring soon and they told me that one was already being sent out...what a joke! If any one needs to contact the company regarding the closing your account the number is 1-800-820-3054 and if anyone knows of any recourse that can be taken regarding this matter please email me the information please.

They is going to have a negative effect on my credit rating or my fico score.

I have been a member of Aspire Visa for about 7 years and have paid off my card numerous times. I have been charged fees for having the card numerous times over the years. I had a $3250 credit limit and about 3 weeks ago i came up with the money and paid off my balance in hopes to have the credit card in case of an emergency. I got a letter in the mail a couple days ago saying We Regret to Inform you that your credit with Aspire Visa has been terminated they gave me a number to call and so i did, got a lady whom could hardly speak english and who had no clue what she was doing or what was going on and then i asked her to escalate my call to a supervisor. The supervisor could not speak english well either. They told me Aspire Visa closed but that if i still had a balance i would have to pay it.

I am out $3250 because i decided to pay off my card so that i would have it in case of an emergency. Now i do not have any credit that i can use in case of an emergency. I do not feel that its fair and i do not feel like i was treated fairly. I have been a long time customer with Aspire and this is the Thanks They Give me.

I feel they should have made the cardholders aware and transfered the balanced to one of their other credit card programs. They also handle something called Tribute, Salute and some other one. Because EVERY number I called was not Aspire anymore it was one of those just mentioned. I also mentioned to them that this will be a negative listing on my credit report and they told me NO THE BANK IS CLOSING THE ACCOUNT NOT YOU and I argued and said yeah and that means a negative mark on my credit and they insisted no. I don't see that it would be any other way. I don't see a bank closing an account and giving anyone a good mark on thier credit that usually means a DEFAULT. If there is anyone out there that can help us it would be greatly appreciated. They should offer us a settlement for 75% or more due to their FAILURE & NEGLECT and not charge us any MONTHLY ACCOUNT MAINTENANCE FEES!

I was also told that I did not go over my limit and did nothing wrong to cause this. This descision was not based on my pymt history and was made by management. I spoke with two representatives who were verry rude and would not give me any information about MY account. I was told over and over again that I could write a letter and that this descision was made by management. Oh, and let me add that They charged me a $75 annual fee either just before or just after they closed my account.

I have been working hard for a long time to mend my credit and now this.

from what I understand this could really hurt my credit score.

As others posted on this site, I received a letter dated November 17, 2008, Notice of Termination of Card Program. It is the exact same format as the letters received by others. I have paid each and every month, and have made payments in excess of the minimum. Yet, without explanation, I receive this notice that my card is being terminated. Why? I am in the process of trying to find out the reason, but expect that I will get the same treatment from Aspire.

I have good credit. This cancellation of my card will adversely affect my credit rating.

I received the letter in the mail that they were closing my account unexpectedly and without any reasoning. There was no reduction to rates even though they terminated the account. I suggest that everyone who has listed their complaints of this happening, to put one in at the Federal Trade Commission http://www.ftc.gov/credit

If you are denied credit, you have a legal right to know why.

I had to tell my boss that I couldnt register for our Company Sales Event, because my card was closed. I spent at least a couple thousand dollars in the last 3 years paying them.

I never missed a payment with any creditor, i just had too much credit

I am currently out of work and trying to pay down my credit cards, I called Aspire last month, and after speaking with 2 people that barely spoke English I got someone on the phone. I said I was calling to get a reduction in my APR that had jumped 10.00 points in one months time. It was around 20% then jumped to 29.99% with no notice. So I asked if I could get a reduction in interest rate so I could pay off my debt sooner, and the guy on the phone gave me a flat out NO. He could not tell me why, and could not tell me why my rate went to 29.99%. Then today in the mail I get a letter saying they are closing my account. Mind you I have always paid on time, and paid more than the minimum amount due.

My credit was shut off with them too. I got a letter today. Said I was over, and I am not. I had reason to believe I am current with my account. I called them(talked to people with accent)...and I have difficulty understanding people with accents...and was told I am over. I don't want this adversely affecting my credit.

I have paid this account off two different times. I always pay early, and more than minimum amount due. I am disheartened...I intended to pay all I owe them, and do not think this is at all fair.

I opened my Aspire Visa Card in March of 2006. It was supposed to rebuild my credit. My credit line was initially $500 even though I had to earn $300 of it by paying on time for several months. Within 2 years, I have reached a $2000 credit limit, but today I received the termination letter as well. It is kind of funny, considering that a couple of months ago, I requested that the horrendous 29.9% credit rating be reduced--being that I was such a great customer paying on time and what not. And as another person stated, I was told that rate reductions were not customer initiated--meaning that although I was a good enough customer to increase my credit limit and pay on time every month, to keep my business they would not reduce my interest rate.

I said I wanted to close the account and they told me that I could not--I always thought that you could close an account--it might not be the best idea, and you would still have to pay it back, but you can terminate your contract if you would like. I also asked why was the annual fee so high. I have several other cards--Capital One, HSBC, etc. All of my cards are so-called platinum and they all have annual fees of $30 or so.

Usually if you have a high annual fee, your interest rate is lower and vice versa--but not Aspire. They want $85 a year! So after them telling me I could not get out of my contract, they send me a letter and bail out! Isn't that ironic? And they still want to be paid every month, but that's not going to really matter, when lenders see that you have a balance on an account that isn't even open--that's worse than having a high utilization percentage on your card!

With this banking industry going helter skelter, it is going to be even harder to get credit with or without the Aspire Card (or anything else for that matter). I am hoping that they knock off the interest rate, and offer people settlements at least. I am curious to find out if any of the people here complaining have ever filed Bankruptcy or had any extensive credit damage, because I feel that Aspire targeted particular people in hopes of sticking them with high interest rates and high credit limits because they know that you will not be able to get out of paying them back.

Like so many others on this website, today, I received a letter saying they are closing my account- -after I have been a customer for 13 years, with no late payments, I always pay more than the amount due- -in fact, have paid the card off 2 or 3 times, and never go over the limit. I have excellent credit and no other bank has even so much as hinted at lowering my limits- -much less closing my account. Is there anything we can do about this outrageous action?

I received a letter saying my account was closed and I could not charge anything ever again. I called the telephone number on the card and spoke to one person (with a Spanish accent difficult to understand clearly). I then asked for a Supervisor who was even MORE difficult to understand! I tried the number on the Credit Card itself and finally got through to a Supervisor (with an accent, somewhat difficult to understand) Elvkim, who repeated the same thing again and again, like a computerized robot with information that makes no logical sense nor has any possibililty for a resolve to the issue as follows:

I CANNOT lower the 29.9% interest rate because it is automatically set up. Elvkim said that they cannot do anything until they send information as to a reduction. I asked when that might possibly be and she had no answer or information. So, basically, there is absolutely nothing they will do about a usury interest rate.

This will negatively impact my credit history (ie: it will go down an unknown number of points) because a closed account is usually a negative in the eyes of the credit bureau.

I recvd. terminattion of the account letter and there was no reason for closing my account. I have paid early and more then the required paymt. How can a company do this?

Two days ago I got an email from Aspire Visa that I was not allowed to make any more charges on my Visa. I have made at least $200 over the minimum payment due. I called and some foreign lady said I went $100 over my allowed amount. I said where did I do that? I faxed my last 10 statements to Aspire and there was no evidence I did this.

I asked them to fax me a copy of the item they said put my $100 over. They did not find the transaction. They just said I did and that was it. I am not allowed to further charge anymore on that card with a 720 credit record. I called one other credit card company I use and they told me I was in excellent standing. So when I pay my bill off I am done with them. They lady told me on the phone they did not care. I said fine and I will move on. Aspire lost a good customer.

I have had an account with Aspire Visa for at least 10 years. I just received a letter in the mail notifying me that my card has been TERMINATED and that I can no longer perform any transactions.. There is absolutely NO explaination as to why they are terminating me. When I called them I was told that it was management's decision and that I did nothing wrong. I am also having problems trying to access my account.

This is ridiculous, this company has also charged me a fee every year to have this card. I have had so many problems with them in the past and the fact that anyone you speak to on the phone, does not speak clearly or does not speak english. I am sure there will be consequences coming.

last tuesday i call aspire to check on a payment i made to my account. with out a letter they informed me that they cancel my account. whom i had an account with for 2yrs (min late fee or overdraft) this was set up to help people to rebuilt their credit. because of the fact i have been on a long term disabilty i con't to pay my account as best i can with least late fee or over the limit fee. i built this up from 250.00 dollar limit to a 1000.00 dollar limit my last payment was for 350.00 dollar. So iam complainting about this account so that i may keep it open.

Recd letter dtd 11/17 stating Visa was closing eff Dec 2. In meantime, they were reducing my avalable credit to only 100.00 above the balance (thus hurting credit score). No explanation. I called number on letter - they were no help. I asked if ann fee and int w/b reduced- they tfrd me to a line full of static- i asked ot talk to supervisor- none spoke english well at all and could not hear much above static. I asked them to call me and was told they could not call customers or make any outside calls. I was told they were closing everyone accts- not just mine. I was told refund of ann fee would be pro-rated.

When asked for a reduced int rate I was told a flat no. I recd letter dated Nov 17 on Nov 20 and the new credit line was effective NOW, accepting nothing after Dec 2. It may as well be as of today since drop in cr line. I have been a good customer, put up with their high interest-they continued to raise my limitw/o my request and now they do this with such a short notice, with no concern for the customer and more. I stood up to my end of bargain- I asked them what they would do for those filing chapter 11 or going thru credit counseling and asked why they would not offer us something. They flat did not give a rip.

Who is at fault here- Aspire, Columbus bank, or Visa USA? Is there anything we can do to protect our cr rating so it will be known that we had not run up our balance to the limit as well as let cr reporting agencies know that the consumer was not at fault here? This has impacted my Christmas shopping, possibly and most likely my credit rating--not to mention the mood it put me in and the struggle I had trying to understand people who apparently do not understand credit scores and fair reporting? Oh, yes, the high interest I will be paying to someone who cares NOTHING about the consumer. Help, please.

I received a notice of termination from Aspire two days ago. In addition to terminating my card they lowered my credit line. I've never been late in paying. Yesterday I receivd my Aspire statement. My new balance is $1.17 over my new credit line. I expect these guys will hit me with an over limit fee next time around. Can this be legal? I expect my good credit will take a hit.

Aspire vida closed my account w/o explaination to me why i receive a letter stated that notice of termination of card program and that my limit has been lower to $100. i understand that aspire visa is going out of business but they should of gave you a reason why and a letter saying the reasons why for your protection of your credit to give to the credit company. i got his card to help build up my credit not to help take it down. i always pay my bill on time and every year pay me card off to start over fresh for the new year. the card was my back up card for it something went wrong than i would have $5,000 to help me and my family now after many years i have nothing that i build but my credit line of $100

On 11/20/08, I received a letter from Aspire Visa stating that my account has been discontinued and that consequently my account has been closed and no new transactions will be authorized. I have been a cardholder for several years. During this time I have paid my account on-time, in full and have never been a problem consumer.

When I contacted the company to inquire about the reason this happened and how it will impact my credit rating, I was transferred to several individuals who did not speak English, kept repeating the same robot-like script and refused to transfer me to a supervisor. After spending over an hour on the phone, I gave up! I feel I have no way to get the real information I need to make sure my credit is not damaged because of this companies inability to stay open.

My credit rating may be damaged as a direct result of this company posting a closed account statement. The will not drop the interest rate they want me to pay despite the fact they are not longer providing a service to me.

I went online to make a payment to my Aspire card and noticed that my credit line was $0. I tried to look at online statements, but as usual they were unavailable. I just made a payment to my card on 11/07/08. I called Aspire to ask them what was going on. I talked to three different people who gave me three different answers in three different languages, or at least three different non-understandable accents. One person said I was past due. I always pay on time and usually more than once per cycle. Another said I had gone over the limit, which they couldn't verify and I didn't have a statement or any other proof to see otherwise. Another said that I could not go over the limit more than 2 times in 12 months or my card would be suspended permanently.

Four days after my payment was posted to the account my card was suspended, in the middle of a billing cycle and without any notice? In the end my card is permanently suspended. They didn't even try to work with me at all to resolve it. That was it. It didn't make any sense to me. Even if I did miss a payment or go over the limit they have an abundance of fees they charge to cover it. Why suspend my card without any notice? Now I am reading about other people who are getting no explanation as to why their accounts were closed. I have had this card for 3+ years. The whole reason I got it was to improve my credit score and now it is going to do the exact opposite.

Every person who holds this Aspire gold card and loses credit with them will be getting a negative mark on their credit reports. It is hard enough to get loans and with a poor credit score it is impossible. These cards are for people who are trying to improve their credit. I have gone from paying on time every month for 3 years on this account to no credit at all and bad marks on my credit report. Now I have to completely pay off an account that has given me the only credit I have just to avoid any additional negative marks on my credit, and there goes every last cent and then some that I have.

I would not have this card if I didn't need it. The fees are outrageous. They didn't even try to help or care to help. It was just 'Your account is permanently suspended, can you make a payment, you need to pay off your balance'. So here we are, back to stuffing money under the mattresses. That's the only place it is safe. If they aren't shut down now, they should be. Frankly, I hope they are. It is not right that they offer to help improve your credit and then just turn around make things worse by giving credit just to take it away.

I received a notice of Termination of Card Program from AspireCard. I have made my payments on time and have always paid more than my monthly payment. There are many other people this has happened to.

1) I'm concerned this will effect my credit in a negative way. This could cost me thousands of dollars (paying a higher mortgage rate) if I decided to go out and buy a home in the next few months. 2) I also used this card to help me out with purchases throughout the month. This was the main credit line I had.

I recently received a terrible letter from Aspire Visa which was notifying me that my credit card was being terminated and credit line lowered from $3,250 to a mere $100. I tried numerous times to call the number on the letter but to my surprise after 5 or 6 times of calling every time it was busy. So I decided to call the number on my bill. I was to input my info. but instead I just kept pushing 0.

Within less than 2 minutes I got an actual person on the line to which I could barely understand. I believe he was probably from India. I had to tell him to keep repeating what he said, which was my credit card limit was lowered and being terminated. He says everyone's credit card is being terminated I was not the only one. I said are you no longer a company or what? He replies back I can try to get a credit card with another company they handle. I asked him what happens to my credit report? He answers it will show my account closed. I then ask again what does that mean? He says if I owe on my account, which I do not I pay my credit cards in full every month and he confirms this, it will show up as closed.

This is so aggravating not only for me but for others as well, we should not have to be treated this way by this or any other company to people that always pay their bills.

I received a letter dated 11-7-08 stating that were discontinuing my Aspire Visa Program. No explanations - just that they were lowering my credit limit to $100 with no new transaction. When my wife called she wasn't even able to speak to a representative that spoke good English. All that representative would do is repeat the same vague statement over and over.

I have always been perfect with my payments. My card, thankfully, is paid in full, but I am concerned how this will affect my credit score. I am deployed to Iraq and have no way of handling this, and they will not allow my wife to cancel the account. I work hard to maintain an excellent credit score. I am very concerned about this.

I received a letter from Apire saying my program was terminated and I have been timely on my payments, never had a ding. I believe Aspire has to contact the reporting agencies and tell them not this is not my fault, but theirs. My business partner just got the same thing today. Also they need to drop the interest rate so payments are on principle only. I held up my end of the bargain now they need to live up to their contract. I should not suffer damages because of their problems and unethical business practices.

My credit will be severely damaged because of the balance on a company- intiated action.

We received a letter today stating that our credit program has been terminated. No reason given, I accessed my account and can no longer check on statements. We have had this card for quite a few years and have either paid off the balance or made a very substantial payment and until this year are balance always goes down. With a minimum payment of 50$ and a payment made of 200$ our balance due has not went down in several months.

It seems that the periodic finance charge gets all the money. I am going to my bank and lawyer to see if there is anything that can be done. We have worked hard to keep a very good credit record and what is this going to do???

My letter came November 17, stating Aspire Visa is discontinuing the card services, and that we have closed your account to new transactions and may refuse to authorize any new transactions effective December 1. That would be just under two weeks notice. I asked if they are going out of business, and Marsha said they were closing everyone's accounts.

I then asked if they would reduce the interest rate and she had to transfer me to another department where I talked to Ron, who said it couldn't be done due to bank policy. (I had a hard time understanding him). He then said it was because they were discontinuing the card program to everyone, and just kept repeating it, so I asked to speak to his supervisor, whose name I didn't understand and he tried to explain, but between the accent and fast talking, I interrupred and asked him to connect me to someone in the United States. He connected me with D'Andre, a supervisor, and although I doubt that he was in the USA, he did speak ENGLISH, and was very nice. I told him I'd like to get this paid sooner rather than later, and if the interest rate was cut, I could do that. Then I asked what discontinuing the card services had to do with not being able to lower the interest rate. I explained my situation, retired and on a fixed income.

He said he would submit my account for consideration of APR reduction and that I will receive a letter within three to five days. I did mention that it would have helped had there been an explanation in the letter. I believe I'm through with credit cards.

Recieved a notice from Aspire Visa on 11/10/08 about 'termination of card program'. Called customer service to ask why and they said the whole program was being discontinued. I then asked how this might affect my credit scores. They replied that this was not going to be reported negatively to credit monitoring services. Well, how can it not be reported negatively when they lower my credit line to $100?

And the notice doesnt say the whole program is being discontinued, it says, and I quote, ...we are discontinuing YOUR Aspire Visa program. Not THE program, YOUR program. The language used in the notice is unnerving.

None, thus far; but if it does screw-up my credit scores, what then in a recession?

I've had this card for about 6 years just as an emergency credit card. Always paid on time and never had a problem did not use card that often maybe 2 or 3 times a year. This past late august 2008 tried to use the card for a purchase and was denied so I used my amex. went home and called aspire i was told that there is a $168.00 account balance to which I did not make.

They verified my name, address,phone etc. I was told to contact their fraud dept which I did. They mailed an affidavit form that I filled and mailed back but 2 weeks went by a they said they never got it at this time I get a call from customer service saying that I need to make a minimum paymnet before the account becomes delinquent, I expalined that the account is being investigated that they should call their fraud dept. They said they could not do anything i refused to pay the minimum. The fradu dept told me the name of the persom that made this charge using my account number and they had that person's address in Alpharetta GA 20-30 miles away from where I live.

I called to see if they had received my affidavit to which they hadn't but the guy on the phone said I can fax it, I did got confirmation calle dthe guy back and he said if there was any problems I would a call back within a week I received a notice saying that the account was closed and that it was not an invoice and that I even had a credit of $14.00 which was great but a week later a get another letter saying that because I submitted the affidavit late that now I'm responsible for all charges which is $168.00 plus late fees that amount to $300.00 plus.It has been very frustrating talking to this people and now my aspire account is closed for charges that I did not make that will affect my credit I've left VM to the fraud dpt. and have not heard back.

Headaches time off to talk to this company rudeness and my credit will be affected.

on 11/17/08 i was making a purchase with my visa aspire card. all payment current, and paid ahead of time. my card was rejected, [reason unknown]

upon arriving home i called card holder members services, for aspire visa.the only reply after speaking to 3 reps was that the card was discontinued, for reasons unknown. they claimed a letter will be forwarded to inform of this after the fact.i was not in the arrears,

and made payments ahead of time.

I received a letter dated 11-7-08 Notice of Termination of Card Program and that my line of credit had been lowered from $9800 to $100. Then I received the following email:

Unfortunately, your Aspire Visa credit card program has been discontinued. Accordingly, your account has been closed permanently to new transactions. From time to time credit card portfolios are discontinued. Unfortunately, that's the case with the Aspire Visa program which has been discontinued.The closure of your account is not a reflection of your payment or credit history.

The card isn't that great...the interest rate is outrageous...but now my FICO score will be affected because it will show a higher ratio of credit used vs. what is available. (My account was paid in full so I am losing almost 50% of my available ratio)

I think the reason they left me with a $100 line of credit is so they can bill their Annual fee!!!

I held an Aspire Visa Credit Card being held by this bank. I had a recurring 0 balance with average monthly expenitures of around $ 1,000. This bank cancelled my credit card without notification.

my credit score shows a credit card cancellation initiated by the bank. I went to pay for purchases and the credit card continued to show declined at the time, I had no money for the purchases as i had left my cash at home.

My wifes tribute bill which is owned by Aspire has a $9.95 dollar a month handling fee we pay and that is after they told us there would be no annual fees,they are sucking people dry and then asking us to be sure we pay our bills in a timely manner and we are obligated to do so or face the consquences. So they can just cut off their part of the agreement and be sure to tell us YOU BETTER PAY YOUR BILL ON TIME OR ELSE. but they dont have totake care of our credit history the one thing that WE have to have these days or we're screwed how can this be fare lending.

just that it could damage my good credit isnt that enough.

While out Shopping yesterday 11/15/2008, My Aspire card was refused on a purchase to my surprise. I pay all my bills monthly including aspire. After being refused at the store(I did purchase the product with my other debit card) I went to my car and called Aspire knowing that I had 1000$ credit available. They told me that my limit had been reduced 1000$ and that they would not be honoring additional purchases. I asked if this was going out of business and they told me that they were not. I told them that I thought that they were. Based on what I am reading on this thread it certainly seems like they will be. I did not receive any notice that my credit limit had been reduced.

Put me down as a former Aspire card holder that paid his balances right and on time (always paid much more that minimum), suffered the high rates to improve my credit rating. Aspire double crossed us all.

To me this is unprofessional and as far as I am concerned against the law not to state why you are getting such an ADVERSE ACTION notice sent to you. A letter should be sent out to all who have been affected stating clearly why the program has been terminated and report to the credit reporting agencies that it is not the consumers fault for the card being closed. My credit is very important to me and my family, and this is a negative thing I did not do, so it needs to be rectified accordingly.

This action taken by the company will and can hurt my credit score. In turn causing other creditors to charge me more on their interest or deny further credit period.

I received the letter from Aspire about termination of card program. I am also concerned about how this will affect my credit (FICO) score. The customer service reps have no idea of how to answer questions (only by script). I wanted some kind of written response from Aspire in regards of how this will be reported. I don't have a real good feeling about how this will be reported.

I received the letter from Aspire about termination of card program. I am also concerned about how this will affect my credit (FICO) score. The customer service reps have no idea of how to answer questions (only by script). I wanted some kind of written response from Aspire in regards of how this will be reported. I don't have a real good feeling about how this will be reported.

I was received the cancellation of notice from aspire couple days ago.I don't know they had terminate program when I go to shopping.until casher told to me my card was invalid, and then I call customer service,they just tell me about that.I never been see the credit card company like that before.I still have outstanding balance in that account,I don't know is it possible will be affect my credit score or not? this company was worst of in the USA.

I asked why the accounts were being closed, and was told that sometimes these things happen, that accounts run their course. I asked how this would reflect on my credit report, and was told that it would show that the account was closed and that it could be viewed negatively by the credit report companies. I complained about that and was told that after the account is closed, I could contact the credit report companies, explain the situation, and if the credit report companies would not work with me, that I could then write to the address reflected above, and that Aspire would send me a letter which I could give to the credit report companies. Looking at the consumer affairs site from which I am making this complaint, I see that a number of people have made on-line comments similar to what I just learned today. I believe Aspire should be investigated and that its customers should be compensated. Thank you.

On november 11, 2008, i received a letter dated november 7, 2008 from aspire visa indicating they have terminated by aspire visa credit card, without any explanation. however they were leaving $100.00 on the card. my previous credit limit was $3750 and I've never been late since having the card of about 7-8 years. I pay the bill in full and on time each month as I receive it. They gave no warning, no explanation and indicated I can contact the 1-800 number included in the letter. after holding on the phone for approx. 35 minutes and getting a person which I couldn't understand. I began frustrated and hung up after attempting to figure out what she was saying.

I waited called the 1 - 800 number again, only to speak with someone by the name of Mr. Foster who I was able to understand. After him retrieving my personal information as he reported for security purposes he then proceeded to inform me that Aspire Visa has terminated their whole credit card program and every Aspire Visa card holder received the same letter, it was nothing personal. he indicated it was a management decision and that's all he could tell me. he apologized and we hung up.

Well, how much of their decision will effect my credit score or have a negative on my credit report. I send my last payment before I received the letter, hopefully it's applied properly and this account will reflect a zero balance outside of the $100.00 dollars they left on the card. As this is extremely detramintal and devasating at a time of the unknown economy and where it's heading. Help.

Yesterday, Nov.14th,2008 I received a 'Notice of Termnation of Card Program' in reference to the visa card which I have had with them since around 2004.

I have never missed a payment, been late
or provided them for any cause of insecurity. I pay an ridiculous interest
(29.9%) as this card has provided me a
generous limit. But I lively solely on
SSD and have used it in emergency situations.

When I asked about the letter I received
I got a rather vague answer that the "Directors had decided to cancel this
card program." Having a law degree, I believe this response may be disingenous

or fraudulent. I suspect Aspire will still live on, perhaps as holding company for another co. or???

Despite my excellent track record with
them, I believe I may be discriminated
by them solely because of my low income
and age. This might be a good business
practice but unless Aspire really does
close I believe might be illegal under
the Consumer Credit Protection Act.

I have 3 other credit cards (with lower
limits) and do not pay ridiculous interest rates. Literally I have traded
off on the interest rate dilemma solely
to prevent me from having to use "Payday
loan advances" in emergencies.

Lastly, I query if the interest rate I am paying is applicable to paying off my
outstanding balance on an allededly extinct company??? Second their 30 day
notice is totally unreasonable, I almost

used the card yesterday to fix my car.

I have a good credit score which I literally starve to maintain, own my
own residence(no mortgage) but my disability(since 1990) makes it impossible to save for emergency situations. Having taken 2 years of corporate law at law school and based on the info provided me, I strongly suspect
this 'termination' is a hoax which may

benefit them but has upset me a lot.

Please investigate....

I received notice that my card was no longer available for credit. I have always paid my bill on time. They also lowered my credit limit dramatically. Now I read on here that many people are cancelled and apparently the company is closing or going bankrupt. Why couldn't they just state in the letter that they were closing. The letter was very vague, clear as mud. Will this affect my credit?

I got a notice yesterday that Aspire cancelled my credit card. I have dealt with these people for several years, always paid on time. DO NOT KNOW WHY I WAS CANCELLED. There was NO explanation.

It will mess with my credit. And it is just plain BAD BUSINESS not to give an explanation.

I got a letter today from Aspire closing my account. I had always been in good standing and never late. I currently owe nothing on this account. When I finally got through to a person (approx. 40 minutes), I was told that all Aspire Visa accounts are being closed. I could not understand all of what she was saying because, once again, it sounded like someone in India or somewhere. I did hear her say something about their creditors and the economy. I figured that this would come to some credit companies with the economy as it is, but it seems they would send out a letter with a little more explanation than what I received. Also, they should have given people more notice as I have read that some people were out shopping and trying to use their card only to find it declined. We all now how embarrassing that can be. My only concern is that it will affect by FICO score. I'm very concerned about that. Whenever you lose some of the credit you had available, it will affect the FICO score. That part really infuriates me.

[They] just up and cancelled my credit card with no rhyme or reason. After years of rebuilding my credit, I'm now at risk of having it affected! Please do something...look at all of the complaints rec'd about them.

Will adversely effect my credit rating and the idea of this after years of building it back up is quite emotionally distressing.

I am worried that my fico score will go down now.

This company has bad business practices.

I am disabled and this has added to my illness. I have heard horror stories of how this company adds money to your balance and harasses you if you don't pay. I will pay my balance but I do not want to pay anything over what I do not owe. I do not want my fico score to go down.

Somebody needs to stop these people.

I recently received a Notice of termination of card program? from Aspire Visa. Since I have no balance outstanding on the account and have been in good standing for many years, I called customer service. Based on discussions with the customer service representative (the number in the letter did not work... - had to use the number on the card), I understand that Aspire Visa Card has gone out of business? and is closing ALL cards in this program. They could not, however, confirm to me that this would not have a negative impact on my credit rating - i.e. it will be reported as a closed account? even though it was not my personal decision or as a result of my personal actions. In their exact words, they cannot predict how the closed account will affect my credit?. Clearly this is alarming to me!

I have contacted a credit reporting agency that monitors my credit for me to let me know if this is going to affect my credit rating. Interestingly, VISA does not have anything on their website about Aspire closing down...??

If it does impact mine and others' credit, then I suspect there must be some recourse through a governmental or regulatory body to ensure that I (along with thousands of others) am not unfairly disadvantaged by these circumstances.

Finally, it would seem that if many people's credit is damaged in this way that some sort of class action could be possible - either against Aspire - or any credit reporting agency that unfairly impacts a person's credit rating because the card company closed down?

I received a letter from Aspire that my Aspire Visa program(credit line) has been discontinued. I've been left with a $100.00 limit for some reason and cannot contact them for info. I can't remember when, if ever, I made a late payment. I have always carried a 50% balance on my account and recently paid it off after realizing my APR went up to 24.99%. My average aPR on my other crredit accounts is 14.99%, so I don't even know why they would have raised my APR in the first place.

I have yet to look into it, but I'm sure there will be a negative reflection on my credit score.

I have talked to a representative Marsha and they are of no help at all. They seem to have a standardized monolog and will not give any other information, including what will happen to your credit rating. The way I found this out, prior to getting the letter, I was attempting to book a vacation and was told my card was no longer valid rude way to find out. Monolog: the ASPIRE VISA card will no longer be offered by the bank and all cards with out a balance like mine or small balances will be canceled, thank you and have a nice day.

This could very well damage my credit rating and cannot be tolerated dropped by a credit card company this is not acceptable, my credit is good, what are our options besides complaining

I received a notification on November 12 that Aspire was terminating my Visa card program effective November 10. They did not close my account, but state they may refuse to authorize any transactions past November 25. The notification never stated why they were terminating my account. Seems like this is very unprofessional at the least. My account was paid to date and I had never missed a payment, and had not exceeded my credit limit.

i have had this aspire visa credit card for several years. always payed current. today i received a letter cancelling my card - all the cards in the program. i called the number in the letter and after 30 minutes i spoke to a woman who couldn't explain why the card was cancelled and couldn't get the company to write me a letter - but transferred me to someone who could. Well i tried to talk to two more people - but couldn't understand either - plus bad connections, echo, feed back and drop out. i think i heard that the second gentleman was in India - makes no sense - after 49 minutes - i had no resolution, no service, and just lots of frustration. Good way not to solve or address your customers questions.

potential damamge to credit - and unable to get any information --

The last Tuesday Aspire Visa sent me a letter where they informed me that they canceled my card. I didn't get any warning or explanation. I just haven't got over of my surprise. I called them but not answer and I try to contact them many times, but not successful at all. I really don't know what happened!

On Monday before receiving the letter from them I bought something by phone. So that day I didn't have any problem, but on Wednesday I received a call from that company saying that they have had some problem with the processing of the purchase. Thus, I felt so aggrieved. I apologized with that company and I have to use another credit card. The thing that aggravated the most does not know why they do that?

Additional of these, at this point I dont know if this event is going to affect my credit, and if it could affect the next time that I would be trying to get another credit card.

I had the Aspire Visa Card for at least 8 years. They were giving fair service to me. In November I received a notice of termination of card program. I called the number listed on the letter ( 800-820-3054) but could not get through. Then I called the number on the back of my card 800-348-8783. The rep on the phone assured me that all the Aspire Visa card accounts are being closed and that my credit score will not be affected. However, after reading all the complaints I became concerned. The letter of termination did not say that the entire program is being closed. My card was issued by the Columbus Bank and Trust. I checked their website, there is nothing about closing card program.

I am a student and I monitor my credit score closely. I do not wish to have problems with my credit score affected by this shady operation.

i have had a aspire visa card for along time i have always paid my bill on time today i got a letter saying the co. is terminating the charge cards, i called to see why they said they will no longer be in the charge card business. if they stop this, it wont affect my credit right? not much notice, i saved the letter...

I was cancelled after 9 years of paying my bill every month ontime. They cancelled my after they let fradulent charges from Britain go through. Also uping my interest rate to %30

This cancellation will affect my credit

I have had an Aspire Visa card for a number of years. I have always paid them on time and since June of this year have maintained a zero balance on the card because of the high interest rate and their unwillingness to offer a more competitive rate. I received a notice in the mail today that my account is cancelled and my credit limit reduce from over $2500 to $100. I get a wierd busy signal when I call the 800 number on the letter and the same when I call the customer service number on the back of the card.

I am concerned that the cancellation of the card will adversely affect my credit rating.

I am currently still on hold after 5 minutes waiting for an agent at 0140 in the morning. Twice before I had an issue where they held my card without notifying me d/t questionable purchases. I personally had to call and find out why the card wasn't working. Now I've had to call to find out the program is being cancelled. Very inconsiderate. I will never deal with Visa as a whole again. Their service is atrocious and repulsive.

Extreme embarrassment infront of other customers and sales clerks d/t card being declined. Christmas purchases are now on hold until another credit card can be obtained by another company.

Aspire Visa discontinued credit cards of customers of Elite accounts without notifying customers. Actually they cut off the accounts on November 10, 2008 and sent letter to customers on November 11, 2008. Hence, customer, like me, were not aware as to why their cards were declined.

I placed new tires on my car. When it was time to pay my card was declined. I called Aspire. That's when they notified me that they cut off accounts for a number of customers.

I tried to charge something today, 11/11/08 and was told it had been denied. I didn't understand that because I had no way reached my credit limit and pay ontime and always more than the minumum. I called Aspire, and was at that time informed that as of 11/10/08, they no longer were in business and that I would be getting a letter in a week or so.

Without any warning, they have gone defunct and left me holding the bag. Now who do I make my payments too? Or, why should I pay them back at all when they leave like that?

I now have no visa credit card to use, and was terribly embarrased when I was told that my credit card denied me. Aspire has left me in a bad place with the holidays approaching and me being homebound

After 10 years, never ever paid late, last four years paid the balance. I was cancled. They terminated my card. A customer service person from Aspire who bardly spoke or understood english was unable to help me.

I am worried that my credit will be ruined by being cancled.

These people keep calling my house looking for someone I don't know. They call all times of the day and night and I keep telling them they have the wrong number. Please help me. These people are crazy and they have an accent like from another county. What can I do to stop this madness?

riddle wood attorneys at law is the collections for the aspire visa, i recently found out that the card was activated may 2005 and sent to jacksonville, fl where who is now my exwife lives, before this card was activated me and who is now my ex were living seperatly i was stationed at ft. riley, ks and she was still in jacksonville, fl, i never gave her any kind of power of attorney to be able to use my name in any way. there is no way i would have sent who is now my ex a card especially since i was deployed to iraq from feb. 2005- jan.2006.

in 2002 I have an acct with visa aspire and I have a balance for about 300.00 dll and stop making the payments because I lost my job and everyting so now in this month I get a loan for 4,000.00 to put a down payment for a house and deposit in my checking acct and visa aspire took all my money from my checking acct incluides a 500.00 in my son childrens deposit and my saving acct money a total of 5,500.00 dlls what can I do?

I have to pay the money I get for the house down payment and I have to pay all the bills and taxes for my wife and childrems house and I have 0 money becase what visa aspire did

I had a credit card account with a company named Providian and I was notified the account had been purchased by a company named ASPIRE. The account was already closed before it was purchased by ASPIRE and I was in the process of paying it off. Everyone here should know that a closed account means there can be no changes in the underlying terms and agreements including changes to final interest rate. ASPIRE sent me letters seeking to make changes to the interest rate terms and other terms resulting in reactivating an already closed account. I refused their offers but they persisted. They went ahead and changed the terms without my approval therefore I refused to pay the balance they had obtained from the previous card company. Since they breached the contract terms they're entitled to nothing.

When ASPIRE realized they would get nothing they sold the account to MIDLAND FUNDING. As many of you, I received the usual harassing phone calls, mail, and finally received a letter from MIDLAND FUNDING threatening to sue me. I was waiting for someone to serve me with a lawsuit. If you are sued by these companies you should file a denial and counter claim for damages seeking the maximum allowed by the jurisdictional limits of the Court. When I met their Attorney (who was tantamount to a used car dealer) from Dallas outside of the Courtroom he said, "that was a brilliant move on your part". He asked me, "how long have you been practicing law"? I did not tell him I had previously been recruited by an Assistant Attorney in the AG's Office to practice law in the Intellectual Property Division for the State of Texas. One of the entries in my initial answer was, "Abuse of Judicial Process in Furtherance of a Criminal Enterprise", and went into detail on their attempted criminal activity.

FYI-The result of credit lending deregulation by the greedy, racist, fraudulent, Republicans. When the opposition saw that I was going to dismantle their fraudulent operation they faxed a letter and sent me emails offering (begging) to drop the entire matter. They were so lucky. The Judge (a republican) was not very friendly in the Courtroom. This is significant because no one is above the law. They were so lucky I finally did agree to drop everything; I was about to move the entire case to Federal Court and turn it into a Federal Racketeering case where I would have been entitled to treble damages. They were humbled and have not been heard from since. They learned their lesson and the Judge signed a dismissal order to get me out of her Courtroom as quickly as possible. She was in such a rush she did not wait to receive my signed dismissal before she signed hers.

What this company and similar companies are relying on is if you try to get an Attorney, he or she will tell you, its going to cost as much to defend you as the balance on this bill, therefore it is cheaper to pay the bill. Of course the problem for many of you is you never finish paying them. Another bill is ready to come as soon as you pay the first one. The idea here is if its in writing-printed by a computer it must be legitimate. As one Federal Judge has said about white collar crime; "these people don't change their ways until you've introduced them to a pair of handcuffs". The moral of the story for these frauds, be careful on who's toes you step. It could be your last step.

I have had this card since 2002 or longer and started at 300 and now 500 and has high interst and never can make it to go to over 500 they will not reviw my account they will not do anything. you call the place is like talking to people from another country and do not understand nothing you are saying

i have tried to change my pay days and it does not help who i talk to the late fees are way too high and if whatever reason i miss or a payment they get late even if my availability is $300 they put a lock on the card and i cant use it.

its embarrasing to own this card with this company and service [is bad] but I have no choice its the only one i got since my credit go ruin from my divorce.

I have had my Aspire Visa for a number of years. In September I received a call 4 days past my due date demanding a payment of $80 to bring my account current. I made a telephone payment--I did not have my bill in front of me. I postdated the payment until September 26, my next payday. The payment was debited from my bank account on September 26. A few days later, I received a notive that my charging privileges were suspended. I looked at my statement and realized that the $80 that had been demandedwas not actually the minimum payment--a fee had been applied, bringing my account over its credit limit, althopugh that was never mentioned to me by the telephone collector. Had I not realized that, I would have had yet another late fee charged in October--I should have been told that I needed to pay $139.13 to bring my account both current and under the credit limit.

I had a great deadl of difficuty getting nthrough to Aspire over several days. I finally spoke with a representative, who referred me to a higher department. That man said I should have known about the overlimit fee--it was on my statement. First, Aspire dunned me inappropriately when I was only a couple of days past due. The representative gave me to understand that I had to make a minimum payment of $80 to keep my account in good standing.

The account was closed a couple of bdays later, and had I not looked at my bill I would have had ANOTHER overlimit fee--but I was only overlimit in the first place because of the late fee, and the representative deliberately tried to trick me into being overlimit again. The late fee and overlimit fee are $35 each.

My account has been closed, no doubt impacting my credit report. I was charged an overlimit fee of $35 when I was only overlimit in the first place because of an Aspire late fee. I wasn't told that I needed to pay more to being my account below the credit limit--so if I hadn't caught it,I would have been socked with a second overlimit fee.

Ive had a card for like 4 years and all of the sudden the invoices stopped coming in the mail I have seen a statement in like 6 months now they have closes out my account and its making me look bad also they keep calling me on the phone and wanting me to make a payment so I hang up in them.

I was charged the activation fee and was living in NY at the time.

I have had an Aspire Visa Card for many years, first they changed the interest rate from 9% to a much high amount. Usually I was an automatic payment customer, because I AM RETIRED with a fixed income. At any rate, when you are are a auto-pay person you dont need to monitor your bills, but in March, 2008 I realized my bill had increased instead of decreasing. I called the Company after reviewing the bill--stating the were paying AOL 24.99 each month without my permission. The charges from AOL caused the account to go over the credit-limit; as well as a late fee--even though I wasn't late.

AOL denied they charged Aspire Visa, but they did recognize they had made an error. They pretended to have taken the money from Chase Bank to avoid it looking like fraud. July 5, 2008 AOL was supposed to have paid they money back, but Chase refused the money because it was sent to the wrong Company. Also for over 2-years, I have been billed $10.45 for AIG Life insurance and I have called many times for the telephone number because I never received the policy. The only reason I trusted the insurance company was because Aspire advertised them in my statement with other ADDS.

I need all of the fees corrected and all fraudulant charges deducted from my account. Please help me in this matter, I am trying very hard to correct my credit-rating.
These consequences have caused my blood-pressure and my nerves to become worned because I am a cancer-survivor and that is stressful enough. I cant get an apartment, because in New Jersey the Landlords does credit checks,

i recived an aspire visa card and when i closed the account they sold it to midland funding and now wants me to pay almost 2000.00 on a card that had a balance of no more than 300.00

I was sent a form to settle my acct of $600 (which my credit limit was only $300) with a 1x payment of $150. I sent the payment to them and then they sent me another bill for $450 stating I needed to pay the rest of my bill. They have filed charges against me in my hometown and are trying to serve papers to me.

This problem has been on my credit report for over 5 yrs now and I just want it off.

Aspire Visa offered me a credit card acct. after a few months of billing problems i decided that i didnt want their business. spoke to a representative and was given a final balance. I Paid that Balance and canceled the card. They say I max the card out and never paid them.

They are a negative strike on my credit repott and I dont owe them anything and was always in good standing

I received a notice from Aspire that had the following information: We regret your decision to not use your account.This will confirm that your account has been brought to a $0 balance and cancelled.

I had no idea what company this was,nor did I ever hear of Aspire Visa. I have the Creditkeeper program,that I pay, to keep tract of my Credit Report. I looked thru the record they send me, and could not see a past or present record of ever having Aspire Visa.The report also lists all credit's that have been closed. Nothing about Aspire Visa. I looked up Aspire Visa on the web and almost choked at what I read. Complaints after complaints from consumers against Aspire Visa. Most of them had at one time used this c/c company, but there were also those that had never had that c/c, and they were sent the same letter I received.They stated that following this notice, they were sent a summons for various amounts due, and given a court date.

There are people in our country that are getting ripped off by Aspire Visa, and I do not want to be one of them. I have worked very hard keeping my credit clear of any negitivity, and I want to keep it that way... IS THERE NOTHING YOU CAN DO ABOUT THIS COMPANY TO PROTECT US?