Imagine Mastercard

I received a phone call from a process service saying I was being charged with fraud ref no. ** from the First Bank of Delaware saying I was being sued for $1975.76, or I could settle out of court for $1000.00. When I opened this card it was an unsecured card and I had to pay a $25.00 monthly fee. After a period of time, they kept accruing late fees and I never used the card but a few times.

So I closed the account because I lost my job. They claim they sent me a letter in the mail, which I never received, and threatened to summon me to appear in court. I am presently unemployed making $54.00 a week, I can just about make ends meet. Why after I closed this card, I thought they would stop accruing fees for charges that were never made. How can I resolve this situation? Please help.

I cancelled this account back in 2007, yet they continued to bill an account that I told them was closed and no longer valid. They billed it so much that it jacked my overdraft fees up to over $1000. I refuse to pay a monthly charge for having a card I do not use. I will only pay what I spent on it which is around $150. This cost me my checking account to go to collections due to their numerous attempts to get a monthly fee.

I have had the Imagine Card for 4 years. I have never been late I was trying to build credit. In May 2009 I got my bill and was charged a 35.00 late fee. This was the 1st. I was upset and called the company and was told that I made my payment 1 day late and my due date changes from month to month. I quickly cancelled the acct. Did want to deal with them. I paid the late fee. The next month I called cause my payment wasnt debited from my acct. I received another 35.00 late fee and refused to pay it. I told the rep to change my due date from the 28th to the 1st. Since July I have been getting monthly calls from Imagine saying that I am behind. I make my payments on time each month and the rep that calls me agrees. He told me in Oct2009 that he was going to credit 70.00 of late fees cause I had my date changed and the company didnt adhere to what they agreed upon. 3weeks later(nov17) I get another call telling me that I am behind. WOW!!! This card is haunting me. I just want to pay it off as soon as possible. I am still being charged 9.95 a month for maintainence fees. I closed the acct. what maintanence? I guess I am paying them to harrass me for not being late.

Last month Imagine charged me $100 for the yearly credit card fee. This month I get a letter stating that their credit card program has ended, and that my account will be closed immediately. If they would have sent a letter, stating their intentions, before charging me the annual fee of $100, I would have payed the balance off and cancelled the card myself.

got a letter today saying 'notice of termination of card program' and my account was closed. ive had my imagine card for about 5 years, never ever a late payment and never over my limit. so i called and this jennifer told me it was not because of my credit history with them, that because of economic conditions they were closing all accounts.

well i have had this charge card for a couple of years now have never been late never over the limit.I have it set up to come out of my checking account every month at the same time well about 2 months ago they charged my annual fee to it wich made my payment go up to 36.00 a month wich i had it set up to send 30 i had forgot to go onto my online banking and change it. well a few days later i got a letter stating that my charging priveleges were suspended until my account was current so i immediatly updated with my bank to send them 50 a month and now they will not reestablish my account over 6 dollars after never being late or anything before.I obviously didnt have good credit thats why i have this card and i have worked so hard on fixing my credit and now this is going to effect that.

The yearly charge was put on my account on the 5th of the month and they cancelled my card on the 5th of the month. I had absolutely no time to pay the over limit amount before they revoked my card priviledges. They are even still charging me a $9.95 monthly membership fee which I pay on time. I emailed them because I cannot understand the people that answer the phone in broken English. Below is their response to my email:

" Your charging privileges have been permanently revoked and closed by Imagine Gold MasterCard on 03/05/2009 due to your delinquency or overlimit status. We are unable to change the status of your account. Please be advised, you remain obligated to make your minimum monthly payments each month until your balance has been paid in full. This is to verify that we have received your payment of $110.00 on

03/06/2009. Your account was closed on 03/05/2009. As a result, there is no available credit on your account...."

This has affected my credit in a negative way and has caused me considerable stress and costed me time and money and continues to do so.

I received a card from this company. I went to use the card one day and it was declined. I was told that my card was closed due to overlimit in my account. I had payments set up from my checkings account over the amount that was requested. I went over the limit due to a new service fee. When you call you get a lot of foreign people who half of the time cannot understand you and you cannot understand them. I don't mind that the account is closed because I donot want it any more but I do mind that they put something against my credit reports because of something that was not my fault.

I also feel that if they are closing your accout that all fees of any kind to stopped also and a basic payment to pay off the account is all that you pay since you did not request for the account be closed. What company regulates this company? Do they have free reign to do what they want? How many people will have to be swindled before someone in authority steps in. They should be made to shut done and the credit bureaus should be made aware to not use any information coming from this company against my credit or anyones elses.

I received a bill with the due date listed as July 4, 2009. I noticed on the bill that I was charged a $9.95 monthly account maintenance fee in June. I didn't realize at the time that this was happening as I was trying to keep a 0 balance on the card and using it in emergencies. I also noticed that I was charged a $35 late fee for not paying the $9.95 on time.

I called to complain. The bill stated that my minimum payment due was $71.51, my total balance was $166.61, which I paid. Friday, 6/19, I tried to use the card and it was declined. I returned home and called Imagine, I was told that my account was closed because I did not adhere to the terms. Today, I called and inquired why the account was closed when my statement says the due date is July 4. They told me several different stories. One, being, that I went over my balance. Not true. Then they said it was because I was late in making a payment. When I told them I had the bill in front of me stating that my account was $10.05 past due. It was then that Paul was put on, sounding as if he was reading from a script and basically I did not resolve the problem. I then informed them that I was reporting the company to the BBB and the Attorney General's office in my state, for deceptive business practices. It was then that I was told that a manager would call me back.

Embarrassment at having my card declined and having to leave the store and go get cash to complete my purchase. A day after I had paid the company $166.41 of which only $71 was due on July 4, 2009.

Initially, my payment to them was through my bank. For some reason my bank stopped making payments to them in November 2008. Imagine, started calling me until I made the payment in December, every day 4-5 times daily. They even cut off the card privileges. My balance was only about $400 at that time. When they reinstated the car, they raised my limit to $550. All the while I was making the correct payments and even additional payment amounts.

In May 2009, I forgot about the monthly payment until the day it was due, however, I sent the payment off right then. I called about a week later to see if the payment had arrived, which it did, but I was charged over the limit fees and overcharge fees. I was told by a foreign speaking person, that I need to make a $50.00 payment by my next due date and they would take off my overcharges, which I did. When I called about the extra charge fees, another foreign speaking person told me my account has been cancelled. I asked for a manager, who could not answer why my account had been cancelled except for bank policies. The extra fees were taken off, leaving me with a balance of $506, well under my credit limit.

Now, the phone calls have started again, saying I am past due $50. Help me find out the problem with this company. No consumer should have to put up with this type of harassment. Could they be promoting illegal activities?

they reported negative information on my credit report.

The ONLY unfortunate story of this whole fiasco with having an Imagine Credit Card, as you can imagine (no pun intended) is their lack of ability to take personal responsibility for THEIR poor choices, behavior and policies, and instead blame the consumers with finger pointing; not unlike our current politicians in DC. So, having said that, I vote pay them off, sit on the bleachers as the spectators, and enjoy the show as they go down, down and more down....with no customers left to falsely blame.

I have had my account from Imagine for nearly 4 yrs. When I received my account, I immediately set up the online payment. It worked beautifully UNTIL...I shopped at Marshall's/TJMaxx. They had a computer breach and consequently Imagine closed my account, and issued me another card. The letter I received stated my account was closed and reported as "LOST OR STOLEN". Which made my score plummet. Then I get the new account, I sign it up online, thinking everything was going to be ok...it wasn't. I am not sure what happened, but, no payments were being taken from my bank account as before. I wasn't aware of this, and received one of the letters saying my account was closed due to non payment. Then the calls from India started, the call center, which is NO HELP WHATSOEVER, I received up to 6 calls per day...I tried several times to speak to someone at the home office in Atlanta, but that was a joke. No one would call me back to discuss my account or address my concerns.

Then one day, I get a phone call saying they would like to offer me a new account if I pay the back bill and fees. Which I did, they re-instated the account, and I signed back up again..ONLY to find it wasn't linked up..so I went 31 days past due..and the calls started again. I paid it online, and all was fine or so I was told. A few days later, I paid the entire account off, $650.00, paid in full. The next day I got the letter stating my account was closed due to not living up to my end of the bargain. I called the phone number and was back speaking to "Veronica Daniels" with a heavy Indian accent. I expressed my feelings, anger, etc. at how I have been treated,and she just said.."I am sorry, there is nothing I can do."

I asked to speak to a supervisor...What a joke...The guy on the other end of the phone said he would take my concerns and forward them to an account manager for review since I did pay it off rather quickly. He told me someone would call me in 4 days, I waited, no calls. I finally called the number he told me was the account manager, and it was the call center in India..AGAIN. No customer service, multiple fees, and was not called when promised, and I was told that the "account manager" declined to re-open my account due to my history of late payments. This credit card company is shady at best...THEY ARE THE WORST OFFENDERS OUT THERE...STAY AWAY FROM IMAGINE....bad news, bad service, bad experiences. They are not out to help you as they say. Major rip off. I have reported them to an attorney, and the Better Business Bureau. I hope someone call help.

I have been a customer with Imagine Credit Card, Card Services (First bank of Delaware) since 2005. When I first opened this account it was in hopes of repairing my credit, as most credit card companies that prey on people with less than perfect credit, imagine offered me a credit with the condition of me paying them a Processing Fee, Activation Fee and other unnecessary junk fees. Aside from the fees charged I was imposed a monthly $9.95 account maintenance for any balance I carried. As part of the card agreement I also had to partake in having the monthly minimum payment deducted from my bank account. For the pass 4 years I never had a complaint until I received a letter from Imagine stating that my account was permanently closed for going over the limit by $67.00. When I contact Imagine in reference to letter that I received I was told that I had breached my contract with them. I asked Imagine why would you honor the payment instead of declining the transaction as all credit card companies do when you no longer have more credit available? They had no answer for my question. I feel as if I have been robbed in more ways than one. My biggest concern is my credit I have been working feverishly to keep and maintain a good credit profile. However now having my card closed out for no apparent reason will lower my scores. I would like to sue Imagine Credit Card for over charging with there maintenance fees and for damaging my credit.

I have had the Imagine Mastercard since 6/2007 - I authorized automatic payments on the card through my bank account - About 6 months ago the Imagine decided to no longer take my payments on automatic debit from account. I had a final credit limit of $500.00 and I had used $500.00 - but I have already paid back over $700.00 and yet somehow I still owed $500.00. Since my payments were automatically deducted from my checking account - I never opened the statement that were sent from Imagine - after all I knew they were getting the money - so I was unaware they had stopped drawing the payment.

I then recieved a call from a man who calls himself Nick M who is calling for Imagine as I am behind on my payment but he will not charge the late payment fee if I pay today. Ok this was all new to me- and I was at work and could not take his call. I could hardly understand him as well - his accent was so thick and he was talking so fast. I got a number that I could call after 5pm and called back later that evening. I spoke to a woman who took my payment over the phone - however advised me that she could not set me back up on automatic debit payments - I would have to call customer service for that. Right - how can you get through.

Then of course - I get a letter advising that my card has been shut down as I have been late on my payments and that I owe over $500.00 on the card, etc etc etc. Okay- that looks great on my credit - I was trying to rebuild my credit - jumped through all the hoops - all the money that I used on the card has been paid and then some - and now I have been declined credit because I was late on the payment - but they had a standing authorization to debit my account for x amount of dollars every month to ensure payment that they decided they did not want to take.

Then again today I get another call from this Nick M man - I gave him the money he wanted and advised I was at work and I needed to do it quickly because I could be let for cell phone use- our company is looking at possibily having to lay off people and I do not wish to be one of them, and this man is taking his own sweet time as though he has all day. I told him 7 times or more " I am at work and you have called me on my cell and I could be let go for this - I need to get off the phone, and he will not just take the money give the confirmation number and let me go. Then I have do yet another name change with these people which I have done 3 times already and this Nick M man will not get the spelling correct it took over 5 minutes to get him to spell L. Lyne correctly, all the while I am tellling him - I need to get off the phone.

Then I for his supervisors name - he will not give it to me - instead he asks me to tell him why I was late making my payment. I finally had to thank him for his call and hang up, even while I am telling him that if he needs anymore anymore information form me to call me after 5pm he is still trying to talk to me. At this point a supervisor is standing in the doorway intently listening to the entire affair - I was so frustrated and embarrassed - not only have the deliberatly opted to damage my account by deciding to cancel the agreement that I was required to enter allowing them to automatically withdraw payments from account - but they are harrassing me at work and though they have been asked not to they refuse to oblige my simple request -as though it matters not to them if people who are required to pay them money lose thier very precious employment because the credit card service has decided not to have any respect for them and harrass them during thier business hours. OH - I AM SO FRUSTRATED !!!!!!! This is unethical and if I had the time and money I would take them to court - I am sure they are in the wrong!!

Have had the card since 2008, have paid on time, never late, closed my card by being over the limit by 27.00, that makes no sense, now, that will look bad on my credit report, and I think that this illegal. Can you help me. I have been a perfect customer.

It will look like I was delinquent on my credit report when I was not. They kept raising my credit limit, when I would go over a few dollars, but, my payment was always deducted from my account and made a few random payments as well. Never late. What can I do?

I have had this card for about two years. During that time I was never late with a single payment! However, I did have a few over the limit tranactions which resulted in over the limit fees being charged to my account. Which I paid as a result that the account was linked to my banking account and withdrawn every month like clock work (even one time when I paid them early on line they still withdrew the monies from my account which caused me to go into over draft with my bank) no matter what.

Then out of the blue I received a letter stating that my card was cancelled due to going over the limit. I refused to pay the money owed until I spoke with the bank or person whom made the decision to cancel my card, since the damage had already been done to my credit report. I have yet to hear from the bank nor the responsiable party. I still can't figure out how there actions are legal since there reason for cancelling my card was not one of the grounds listed in my contract.

This card has been reported on my credit score as maxed out and closed. my score dopped from good to bad as a result.

It is insane! They told me that they are cancelling alot of cards right now. It's probably better to not have this card anyhow. I would rather watch this company file BK right now than help support it. If you are trying to build credit like I am, this is the WRONG card. You will need to make a payment every month even if you don't use the card. A late payment on their monthly-fee still shows late on your credit report.

There was no long-term damage done, although I am going on vacation in a couple days and had planned on using the credit card while in Mexico. Oh well...

Imagine Mastercard cancelled my credit card on 10/14/2008. I never once missed a payment and I even pay twice per month. Although I did keep a high balance, I amways paid my bill on time and they have a history of that. When I was finally able to speak to someone in Customer Service, they said it was because my account was over-the-limit. OKay, yes it was, but for two or three days, which was an oversight on my part when I used the wrong card.

Well, I never had a credit card close my account for being $31 dollars over; that is what their over-the-limit fees cover. They did not even charge me an over-the-limit fee that I know of, or maybe they did. It was not clearly stated in the billing statement that was mailed. They also did not explain what it was beyond being slightly over-the-limit, that led them to make that decision.

I would like my card reestablished. They even increased my limit when it was over by a couple bucks before and continued to give me new limits - now this adverse reaction is very, very confusing.

Still trying to see if they will explain to their loyal paying customers why this action. I paid on time, never, ever late and always I made double payments. I just paid today, but it was not a double paymnet - it is only $25. And they still have me permanently revoked.

I have Imagine Mastercard and have paid them diligently for almost two years they have closed my account recently due to my going over limit. they state numerous times although they admit i never missed a payment. What is credit if not to buy when there's no cash on hand and if one goes over limit as long as he pays minimum due on payment due date what is the problem. vI am presently researching trying to find a law that i know exist that would disallow these companies from giving persons $300 dollar credit cards with only $50 dollars available and once they spend it owe $300 and when they default who incurs debt?

Made payment on 10-08-08 had limit of $825 dollars balance of $769 could not access $55 dollars available to buy gas or food was stranded and hungry due to closing of my account although i made payment and had money available. No real damage other then mental anguish and embarrassment of people at supermarket hear me continuosly call to get what was my due. I also had no means to get ten miles to pick up something called a sim card that would have enabled me to use my cell phone to obtain money from other contacts.

I took out this credit card in 5/2008 because I am in the process of fixing my credit. I gave my bank account information to them to process a $4.95 processing fee and because they stated you needed to have an open account. I submitted the information with the understanding that amount would be only amount deducted. On May 28th, 2008 I made a payment in the amount of $20.00 through web pay with my card and that went through with no problem. I never rec'd any kind of unauthorized deduction for June and on June 18th, 2008 I submitted another payment of $60.00 bringing me to a balance of $2.28.

Well the problem was that on July 7th the company tried to debit my account a $30.00 payment that was unauthorized. This amount not only NSF'd because of coarse I didn't know it was going to be deducted but it also caused alot of havuck in my bank account. Not only did the company try to deduct the $30.00 but also charged me a $35.00 NSF fee. I also rec'd an NSF charge from my bank because I $32.00 did not have the $30.00 in my account. I have called imagine on several occasions and have gone over this with them but they state the amount is automatically deducted even if payment has been made.

Once again I made 2 payments that month. One for $20.00 and the second for $60.00. How in the world can they deduct me an additional $30.00 and my balance was only $2.28. I am very concerned about this because like I said before I am trying to repair my credit not mess it up more. I thought if I obtained a credit card that should revolving ctedit this would help me. I to this day have not seen any activity on my credit report regarding this company. They do not even show up as open and it is now July. Please Assist! Scared this is going to effect my already bad credit I am trying to fix.

I opened a credit card account nov 2006 with this company. They require a 150.00 be deducted from a bank account to process to open this Credit Card. I went on provide them with it and they tryed to deduct it and could not get the funds. At the same time my account had some fraudlant activity on it so i closed this account.

I called them and they told me that.howver i was told if i paid 4.95 to process this account they would open my account and it would not be problem. they also said that the 150.00 would be billed to my statement and instead of having a credit limit of 350.00 that it would only be 200.00. i was ok with that and i informed them that the account that i tryed get the 150.00 from was closed.

at that time not one person from dec 2006 till about a week ago in march 2007 informed me that the payments had to be deducted from a bank account. i had been sending in my payments by mail paid by a money order since this account has been opened. when i received my statement that i learned that they deducted 30.00 payment from a bank account. i was not understanding what was going on so i contacted them. I was then told that they were deducting the payments from a account that was on file that was used to open this account. I was very angry at this point. I ask why would you deduct from a account that is closed and i told you about in nov-dec 2006 that i had to close this account and it no longer valid. i was told it was not a problem. they were willing and accepted my 4.95 to open this account.

The customer service person went on to say that unless i provide a bank account that they would close this account. I also spoke to a manager and they could not explain after almost 60 plus days of using this account why nobody told me about this issue. I gave them all the facts and they were not very helpful.

I am very upset because it took them 60 plus days and not one person inform me of this problem and they open this account anyway. They broke their own rules by allowing me to open this account knowing that my account was not valid and i informed them that this account was closed and it was not a problem if i paid 4.95 for processing and the 150.00 that was billed to my account.

This is pure fraud.

I am having to pay back 150.00 that they billed me for opening this account and any other fees like interest they may have accessed. since i am disputing this account it could go take months and they may report me to credit bureaus.