Tribute Mastercard

I received a tribute card, and paid them on time every month. They gave me an increase, after about one year, for paying on time, then without notice, they cancelled my card, but they still are charging me for maintenance each month, as if i am still using the card. I don't think this is right. A lot of people are angry over the same problem.

This company cancelled my credit card and has never sent me a statement so I can see what is owed. They are taking money from my account in autopay. I tried to cancel that and they are still charging me a monthly fee for participating, even though there is no participation. There's something that needs to be done about this company ripping everyone off.

I had financial problems and asked that account be closed! All the while, they continue to rack up fees for a closed account. I'll guess that it will never get paid off! How can they get away with this in the state of Alabama? I would appreciate a little update on AL laws governing this! Can I get all these fees back eventually if a lawsuit is filed?

Tribute closed all accounts and is still charging high fees which I think are illegal. I just filed a report with better business if any one else has had issues. It would be great if we all filed so they can be exposed. File with the bb they use alias compu credit, corp 5, concorse, pkwy Ne ste 400 Atlanta ga 30328 (tribute credit card). If we all stick together, we might get some of our fees refunded. Thank you.

I had an Imagine account for about 3 years until I got a letter from Tribute saying that they bought my account and closed it because they don't offer the program, which was a secure credit card. Well, needless to say that I have been paying them every month and my account is being charged a $9.95 monthly maintenance fee for a closed account, I'm not sure but I suspect that it's not legal.

I just received a phone call saying that I've had a credit card with Tribute since 2007. I've never had a credit card in my whole life, so we need to get this figured out. It sounds like it is identity theft. Please contact me at **.

I opened a tribute master card account around two years ago. I've paid all my payments every month on the 1st. First they cancelled my account for no reason and when I called to see why, they gave a run around and I still don't know why I been cancelled. They're charging me a 9.95 monthly maintenance fee. Now they are calling me 8-9 times a day saying I owe them a late fee plus a payment. The payment is due on the 14th of the month, my bank said the check was cashed on the 8th. I have gotten on the internet and just typed in tribute master card scam, and found out I'm not alone. They are doing this to people all over. Someone has to check in to these people. They're a total rip off, and getting by with it.

My debt was discharged in November 28, Clark County NV bankruptcy court but Tribute continued to auto draft my checking account for 11 months after being notified of the discharge. At this point, Tribute owes me in excess of $850.00 for monies paid that were not owed due to debt discharged through court. Despite repeated telephone call, fax and emails result in empty promises and no return on monies as well. They have recently started contacting me and are harassing me with continuous calls from China stating that I now owe them since they have now been disallowed from auto drafting my checking account. They continue to ignore my demand for payment of monies paid that should not have been due to discharge of debt.

They closed my account twice, the first time was an accident, they apologized and sent me a new card. The second time, I was told that due to a management decision my account was cancelled and that my maintenance fees would still be applied yearly and monthly. I set up automatic payments, so I would not be charged a late fee, and set a minimum payment of $100.00/month to be taken out on the 28th of every month. That's when everything started changing.

My payment due date fluctuates between the 28th of one month to the 6th of the next, it takes an additional week to process that payment, and if I make an additional payment it cancels out the automatic one and then I am charged a late fee. I have spoken with customer service reps and made it beyond clear that I am making additional payments and that for no reason ever. Should I not have my automatic payment taken out.

Then, I received a letter stating that my automatic payment amount was going to changed to %15 of my total balance and went from $100/month to under $30.00 which is not 15% of my balance, it's not even 5%. I can see how they continue to charge me a monthly and yearly fee can fall on this side of legal, but how can they change my payment amount and payment dates without my approval?

Also, why does my credit report say that the card was closed at the consumer's request when I did not do that? There isn't a cancellation reason in a credit report stating that the business closed and doesn't have anything to do with the consumer? I would have overpaid my monthly amounts but didn't want to incur their late fee when it didn't process on time or went in too early and they didn't take my automatic payment out.

The only thing I can think of to do for now is to pay the minimum fee, and save until I have enough to pay the whole thing off and then pray that what happens to the other few dozen people I heard about doesn't happen to me. True their closing my card didn't affect my credit via them, but it was the only credit card I had as I was trying to restore my credit. In applying for a new card that I could receive the hard inquiries into my credit dropped it a lot. All the work I did in order to fix my credit and life has been lost because the company didn't know what it was doing. Why should I pay for their incompetence?

This company closed my credit card without any notice despite the fact that I was always on time with my payments. I went to use my card one day and it wouldn't work. I called them and they told me that it wasn't any reflection on me that they just had to close the account. This has in turn affected my credit. They also have not been sending me any invoices. I have been continuing to pay them but they are still charging me an annual fee as well as monthly fees and a seriously large interest rate.

They refuse to work with me. I recently went to make a payment and could not even get into their website and the fact they don't send me invoices (which I can't get them to do) they are now charging me an astronomical late fee and will only allow me to make payments over the phone. I don't even know if the information they are giving me is accurate.

In January of 2008, I received a letter from Tribute Mastercard informing me that in May 2008 they would begin charging a ten dollar monthly fee. They included an 800 number for customers who chose to opt out. I called this number and spoke to a company rep who barely spoke english and told him that I wanted to cancel my account. He told me that the account was closed and that I should destroy the card. I cut the card up and threw it away.

In May 2008, I got a bill from Tribute Mastercard for ten dollars. I called the company and told them I had cancelled the card in January. The person I spoke to said there was no record of my cancellation, but that he would close the account. In June 2008 I received a bill from Tribute Mastercard for the ten dollar monthly maintenance fee plus a late fee for not paying the previous charge. I called the company again and was told to contact the dispute resolution rep. I sent a letter and received no response, so I called the company again. I told the customer service person that I was not responsible for the incompetance of their employees and that I wasn't going to pay the bill. He said they would take me to court. I told him I was going to file a complaint with the Attorney General. A few months ago, I got a letter from a collection agency. They want almost 300 dollars to settle the account. I sent them a certified letter explaining the situation and that I would never pay Tribute Mastercard or them a dime. They trashed my credit rating.

This card is no good. My account was been closed. I have been a really good customer and decided to call them and ask them to lower my interest rate. They will not work with me at all. I was very upset and disappointed. I do not recommend this card to anyone. They rip you off with the high interest rates and if you are good customer meaning you pay on time, they won't help you out. I even spoke with a supervisor, which by the way could hardly understand. I have this card and a couple others and this card is by far the worst card ever. I'm paying way too much in interest seeing hardly a dent in my payments that I make.

I was charged with high interest, plus monthly fees. I've never been late once on my account. They suspended my account yet they still charge $9.95 account fee plus interest. I think charging $120.00 a year, maintenance fee on a suspended account is nothing but another rip-off by this credit card company.

I started off with this card and everything was just fine. One day I sent my payment off and about 2 weeks later, a rep called me and rudely told me I wasn't paying my bill, in those exact words. I told her, "as a matter of fact, I do and maybe you should pull up your account history before you make accusations of the such." She did and come to find out my payment was lost in the mail. Thank God for the Western Union control number! So,after that I was told to make the minimum payment plus the late fee the next month, they would credit my bill the late fee. So I did that. So the next month I get a statement saying that my account was closed due to non payment!?

So I called them again and spoke to a supervisor who corrected it and said they would send me a letter stating my account was closed because the Tribute Mastercard program was "over"? My account is still closed to this day and I'm still making payments. Why are they still advertising if Tribute is no longer? Now,today I get a bill with another late fee! I sent in my payment 7 days before it was due on Feb.15. They processed it on the 18th, in turn charging me a late fee. I used to work for the postal service. I know for a fact it does not take a payment sent on the 9th of Feb. to get from MD to MO which is where they process payments, 10 days! I could have drive the payment there and back 3 times in the amount of time it takes them to process a payment.

As of today, Feb. 28, 2010, I wrote my last check to them paying off the balance. I have also never received the letter stating my account was closed in good standing like I was supposed to. So in my mind, my credit report probably still has closed due to non-payment because I have not been able to check it yet. This Tribute is a scam where they give you a nice chunk of credit, let you spend, close the account, then double your minimum payments! They also take the maximum number of days to process your payment so they can stick you with a late fee. If you read this, do not sign up for anything Tribute! This company needs to be exposed now!

I tried to pay this card off for two months. After four phone calls and I'm finally going through my bank to send payment to get it paid off. They charged me two $38 late fee charges because one of their people does not know how to key in an account number correctly. Lady hung up on me. They don't care because if you don't pay, your credit is the one that suffers for it. I hope these people get caught scamming and someone does something about it. And they have three different phone numbers. What legitimate company has three phone numbers to make life miserable for their customers?

I have 11 credit cards, and by far, Tribute is the worst. If you have this card, 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 this card company. You will pay a huge cost to do business with these **.

On January 19, 2010, Tribute Gold MasterCard issued an "Annual Fee Pro-Rate" credit to my account, after speaking with a supervisor. Helpful information: Check your account balance online at mytributecard.com or call (877) 888-0084. If your "Annual Fee Pro-Rate" credit hasn't posted to your account, call (866) 290-2831 and ask to speak with a supervisor. Once you reach a supervisor, tell that person that you are going to contact your (State) Attorney General's Office, Federal Trade Commission, and the Better Business Bureau regarding this matter. Trust me, Tribute MasterCard doesn't want any more problems from the above people.

I kept up with my payments. Account was closed for no reason. When asked why, I was given no reason and charged with a late fee even after arranging to pay double because I stopped my payment once after being cut off. Then rates, fees, minimum payment, etc. went up. Annual fees were not refunded. No one could tell me what was going on. My credit rating was affected and I can't get a new card with anyone. Plus all the people I talked with were rude and clueless. This resulted to bad credit and loss of annual fees.

I was issued this card, without my soliciting it, several years ago. My initial credit was $1,000; after 6 months, it was raised to $1,500. I had never once been late on a payment, and I usually doubled up on the required amount. Then, without warning, before I was up to my limit, my card was canceled with no explanation. My minimum payment has been around $55-56 per month, which my bank pays to Tribute before the due date.

In November, Tribute waited a week past my due date to post my payment, thereby putting me in a "late" status and charging me a $35.00 late fee. I called them and was told they would waive it one time, because I had never been late in the past. When my December statement arrived, my minimum payment was listed at $55.69, which my bank paid on 12/24/09, 5 days before it was due.

Today, I received a call from Tribute saying I was past due $90.69. I asked them how that happened and was told I did not pay a late fee of $35 for November. I explained to them what I've explained to you, but they kept demanding the $35. I asked to speak to a supervisor, who very arrogantly told me that now my payment is $90.69 a month and "If I don't make this $35 payment today, it will be up to $125 a month."

When I kept trying to explain about the late fee, he just kept yelling over me. I told him I haven't even received my January statement yet, which isn't even due for payment until January 29. Well, I went ahead and had my bank pay this $35 today. However, something needs to be done about this company and the money scam they have going. I wonder how much they'll gouge me for in February. I can't keep paying escalating payments that have no basis in reality!

They closed my account in sept. without no reason. I continued to make payment based on my account information. I made sure I pay ontime. I have now been accessed a $35 late fee also the continue to charge monthly maintenance fee and also has since increased te rate since sept for no reason. I have also started getting call at home and in the office even when my payment is not due. My minimum payment due in sept when my account was colsed was $49.00 and whith no activity on the account ecept my monthly payment which mostly is higher than the minimum they are asking me to pay $115.00 a month. The person who called could not even explain how this amount was determined. She even hanged up on me. The are not even brave enough to leave a message.

sorry cant think of there address but my problem is with Tribute MasterCard they closed my account with out telling me and then they trying to get me to keep paying the bill with high interest rate and fees i pay the bill on time each month but balance never go down they never help at all i dont think it right to be charge fee if i cant use the card anymore the company is a scam i really need help i dont know what to do i just want to pay off the account and they want help

Card issuer closed all consumer accounts suddenly. Company has NOT refunded annual fees paid, which I was told they would by Oct 2009. Account is listed as closed but they continue to charge accountholders "monthly maintenance fees" to increase the balance due & accumulate interest on. Credit score has dropped due to closure. Monthly fees are being added to a closed account, making the balance higher & interest charges increase.

I think we should launch a website for all the people who have been massively punched by Tribute. I can provide the HOSTING...who can purchase the website..about $10.00 (ten dollars).

they cancelled all cards and have the nerve to not refund yealy account fee assesed and are still charging a 10 mint fee ANd raised intruste rates to max. so making a min pay wont even lower you bal. this is shifty at best. how can they not refund fee and still charge fee whne they runined all these ppl credit scores

I have had a Mastercard with this company for a few years. Received new card effective 10/1/09 but have not activated. On the bill for Sept, they added a $75 fee for the coming year, which took it over the limit, added an over the limit fee and then closed the entire account including discontinuing the new card that I never activated. Had a $1000 limit to it. I paid it down to the $1000 but I want a credit of the $75, a credit of the overlimit fee. They also charge the consumer $10 a month and a $4.95 fee if you pay online, which always was rather seedy, but I tried to pay via my online billpay with my bank EXCEPT they kept changing their billing address so I paid online to them.

They cancelled my card but are still charging me late fees and the total of the available credit on my card but I never reached that maximun amount on my card I used my card one time for a charge of 15.00 dollars I go to pay the minimum of 30.00 and they tell me I cant use the card anymore but they want me to pay the full available credit amount when I never charged that amount now they are charging me the full 750.00 credit limit plus late fees on a cancelled credit card now they say the total due on the balance is 1,871.52 cents what can I do do I have to pay for an amount that I never charged in the first place.Could you please give me some advice because I thought this card was supposed to get my credit back in order but it looks like It is going to damage it even furthur!

Up until recently in September, I had been keeping up on this credit card, paying more then the min each month. then I got greedy, sorry, and fell foul with ATM CASH and ATM machines giving out different credit available balances then what was actual on the monthly statement, or even on the website for the card. This lead to overlimits and eventually permenate closer of account which means, no credit available, and no credit limit $00.00 on monthly statements.

I continued to make my min or better payments until Jan 01 when I was unable to make the required payment demanded but did make a payment. Now I am getting phone calls 4 or more times day/night/week end including sundays. when I answer the call I get only "Card services, please hold," Then nothing while I wait for a human voice to speak. Often not even a "Card Services" announcement, but just hold please. there is no announcement has to who is calling. Three phone no's are associated to Tribute, 888-271-4332, 888-271-4331 and just this # showing up on Phone ID. 000-000-0000. More then 15 calls since 1-7-09. I know these phone # as belonging to Tribute's card services. another problem one I can't understand is that if my account is permenately closed, and all statements since september 08 state as such, even on website, why should I still be charged overlimit fee's of 35.00 and of this month 35.00 in addition as a late payment fee, even if my payment (webpayment) was on time if not the amount they wished.

Also my web site for tribute state diffferent amounts as the min. payment which is what I sent this month as it was the smaller amount, then what the mailed statement would ask. So for the last 4 months I have occurred overlimit fee's on a account that is closed because I was overlimit two months in a roll. then continued to be charged overlimit even if I paid the monthly min or better. And now another fee because I didn't sent all that they asked, as well as a purchase fee/interest for using the website for payment. At one point I was only 100 dollars overlimit, now it is doubled or more. My payment history was good for the nearly 3 years I had the account. Always paid on time, always paid more then what was required. The ATM problem was yes, one I shouldn't have stayed away from. But each time it said I had money to use, so I used it. and managed to pay it back each month. Eventualy it became a problem when the ATM machines I was using was saying I had money to use, while later the statements would say I didn't. At point I tried to explain this to them with a formal complaint but never got any answer to the problem. except to say they got my written complaint and would be in touch.

That was more then a year ago.

this card was a starter card to build credit and I was good on it until recently and the trap ATM was putting me in. I have written them email to stop the phone calls, and asked why I was being charged fee's for a closed account as if it was an active account. Help.

I had an account in perfect standing, never late, never a missed payment. An account rep called me and informed me that there would be new terms. My monthly service charge would increase from $6, to $10 a month. I refused the new terms, and politely asked them to cancel the card, and I stated that I would pay the balance owed.

Thinking that was the end of that, checking my credit scores a couple of months later I find that are posting a reposession with all three bureaus. Although my credit report shows no late or missed payments on this account, it is summed up with an unlawfull report of a reposession. I have called and called only to be promised a letter stating that this account was closed on good terms, and at my request. I have as yet seen no such letter. In my latest conversation with one of their representatives, she stated that the listing of reposession was final and would remain.

Due to this illegal posting, I have been turned down for other credit cards. I had another child and decided to move to a larger home, and was refused occupancy due to this posting causing a great deal of difficulty in finding a place for myself and family. I only became aware of this being on my credit report after applying for a mortgage, and of course being refused. It was alot of work just to find someone to rent to me with this severe of a listing, especially with it being so recent.

I have horrid credit--my own doing; yes. I applied for and received this card. It was issued with an initial limit of $250-300.00. Most of this was used to pay various processing and other fees.

When I received the card, I believe I had an available balance of about $80.00. A year later, my balance about $265.00--about what the opening balance was (less aforementioned fees). I have made no headway at all in reducing the balance; I closed this account some time last Fall.

I am self-employed and do not earn a lot of money. This credit card was one of the first obligations to be cut--and from the looks of it, this will be an albatross around my neck for an indefinite period. Until the last month or six weeks, I made payments on time. unfortunately, I could only pay the minimum or a bit more. I'm seriously considering letting it go to collections, and agreeing to a pennies-on-the-dollar settlement. While I realize that my bad credit record is my responsibility, groceries and utilities take higher priority than paying a company who would take advantage of people who (for one reason or another) can get no other credit card.

Tribute Gold Card has called my home up to 7 times in one day. My sister answered the phone as I was not home. She told them I was not home and was not sure what time I would return home the person on the other end began yelling at her saying, "You live with her and do not know when she will be home?" Then started laughing and hung up on her.

I have just been laid off from my job and have a newborn baby with no support. I am waiting on my tax return then plan on paying my bill but they have gone beyond harassment. I'm unsure if there is anything that can be done, but I am at my wits end with this company.

I received a tribute gold mastercard and since, I have had nothing but headaches with it. After I paid the activation fee of 20.00 they recorded it as a charged that I had made. I thought that this was not supposed to be. Then I was supposed to have a 300 dollar limit. I charged 110 dollars and the rest, they said that I owed in fees. Was I supposed to get such a raw deal? Every month I have a problem with this company. I have told them to debit my checking account for a payment and every month they call me after the payment is due and tell me they had a problem and that there is a 35 dollar late fee. Once or twice they have knocked of the late fee. I am sick of this. I wish I had never gotten this card.

Just like Karen, I jumped at the opportunity to re-establish my credit and applied for the card. I immediately received the card and after a few weeks received a bill for $159.00. I have never used the card and when I tried phoning, they have a very efficient voice mail that lets you listen to all the possible menus and just subsequently wait it the line.

Tribute Mastercard allowed me to register for online access to my account. Since registering initially, I have not been able to access my account online at all. I have called numerous times to have the problem corrected but they have never corrected it. They charge inflated fees for payments over the phone, so I set up a bill pay option with my bank for this account. I recently made a payment, which has already been deducted from my bank account on June 20th. Tribute does not reflect this payment as of June 25th and states that it may not show up until July 2nd.

I tried to explain to their customer service rep, whose name I could not understand, that I wanted to be sure that my payment was credited because I wanted to make another payment. I was advised that they could not waive any fees for payment over the phone despite my best efforts to make payments via all other means. Many times when I call their toll free number I am advised that all lines are busy and try to call back later. Basically they have no real problem resolution anytime that I am actually able to get through. They seem more interested in charging fees for everything.

My card was lost in a car fire. I have called in and have requested this account closed in writing initially on 11/15/05. In May of 2006 I was checking my credit report and found that they did not close the account and it has since been collecting fees. I then requested it closed in writing again and sent in an email via their website asking to why the account is collecting fees and copies of my statements and their notes from the system. I received nothing. They did not start calling until December of 2006 requesting they be paid. That's when I found out that the account was still open.

And then again I asked the account be closed and tried to explain what happened initially, the young man I spoke to was rude and refused to close the account, so I put it in writing. I found out in a later phone call with another collector that yet again the account was not closed and again more fees were being added on. And again I sent in another letter and requested it closed and again another phone call came and it was not closed so I did the same thing over again. When I pulled my credit report in Feb of 07 it showed the account as closed. Now I have received a letter stating it has been charged off.