Monogram - ExxonMobil

I have an Exxon gas card that I have had since 1999. My wife went to use the card on January the 4th of this year and it was denied. I called Exxon to find out what the problem was and learned that my account had been closed. According to the rep I spoke with, Monogram Bank of Georgia had reviewed my credit and decided to close my account. I am a business owner of a trucking company. My bill has always been paid. I can't understand why they would do this after 5 years of being an Exxon cardholder.

My wife used this gas card to travel back and forth to her job. They gave us no forewarning that they were going to close the account and at this time I have gotten no written response from the company stating that they have closed my account, why they closed it or anything. The Exxon rep told me that I would be receiving a certified letter in the mail. What if I had been out of state and needed to use my gas card?

For the last 2 years I have purchased nothing but Exxon/Mobil gas because they participate in UPromise. So when I received acredit card offer from Exxon/Mobil 4-5 montha ago,I went ahead and applied for the card. We have been using it frequently due to a cross country move we are currently in the middle of. Despite my balance (always less than $500) I pay anywhere from 2x's to 5x's my required payment, and always on time. I consider myself to be an excellent customer.

Recently I received a letter from Monogram Credit Card Bank stating that they had reviewed my account and had decided to close it. When I asked why, and cited my good history with Exxon/Mobil, they stated unfortunately they didn't base their decision on my history with their company, they based it with my history with every other account I have. Granted, we have been using our visa card a lot lately due to having to buy plane tickets because of our upcoming move. However, we pay on our visa card the same way we do Exxon/Mobil - 2-5x's the amount due and on time!

I believe Monogram's action is unfair, unwarranted and a breech of our privacy. Why is it any of their business how much we put on our visa card, so long as we make the payments and the visa company is happy.

This incident revolves around my Mobil Credit Card, and the transfer of the account from MCFC National Bank to Monogram CC Bank. I carried the Mobil card for years and religiously paid the full balance due each month. In fact, because I use my computer to track my finances, I often paid more than the amount due because I knew that I had not yet been billed for some of the recent charges.

In December of 2000, I received a statement indicating that I had a credit balance. This puzzled me because I knew I had been charging on the card, so I made another payment to cover these charges. In January 2001 I receive a notice that the account has been transferred to Monogram and that I owe them $335.44. I contacted MCFC National bank immediately and they told me I had a credit balance with them of $254.65. I requested that the funds be transferred to the new account, and was told that this would be accomplished in 10 working days (actually it took 14 working days).

I also wrote my first letter to Monogram, explaining what had transpired and disputing, in advance, the finance charge that they might impose if the MCFC funds were not transferred by the due date. I enclosed a payment to Monogram to cover the difference between the funds to be transferred and the balance due. Sure enough, Monogram hit me with a finance charge of $8.42. I cancelled the account and paid off the entire balance due, and sent in another letter to dispute the finance charge.

Monogram's only response went like this: "We have completed a review of your Mobil Card Services account. Our investigation resulted in the amount of $254.65 being credited to your account. If we may be of additional assistance..."

Someone owes me $8.42 and I believe it is Monogram. For this small amount I don't expect you folks to put in a lot of effort, but one or two quick lines of advice would be nice. If nothing else, add me to your list of dissatisfied (former) customers of Monogram.

Since Monogram imposes an arbitration clause on its customers, sympathy is all we can offer, sorry to say.

I did not apply for a credit card. I am a stay-at-home mother and have no need for a credit card. If someone used my name to apply for this I would like to know because my SSN was on the rejection letter. When I tried to get a hold of Monogram I could find no number for the company.

I received a invoice for purchases made to my Mobil Credit Card which seeks to charge me $8 for an electronic payment which cleared my account on 1/03/01. I was never notified that the owner of this credit card had changed, nor was I notified to send payments to a new address. More, when I tried to reach the Monogram Credit Card Bank of GA, I was trapped in an electronic phone loop that made no provision for verifying timely electronic payments. Hel-lo-o. It's the Internet, stupid. I have asked Wells Fargo to verify the payment made on time and will write pursue an appropriate credit; but this smacks of unscrupulous plunder of the many thousands of marginally literate, elderly fearful and socially timid. It is completely unacceptable.

It robs me of peace of mind, time and credit standing. In addition, it adds to the weight of a financial burden made difficult by my involuntary layoff due to a reorganization of the high tech company for which I worked. I am highly distraught and p***** off.

I applied for and received an Exxon credit card. I received one statement and paid it. I have in the last two months received no further statements. I have called asking about my statements, none are forthcoming. I now am getting collection calls saying my card is overlimit and when am I going to pay. I have not made any further purchases as the card was cut off after about $165.00 worth of use. I have a $250.00 limit.