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Aspire Visa Reviews
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Reviewed Dec. 24, 2021
After having the card for a couple years... I recently paid it off and then went on vacation. After returning home- 3 weeks later I get a notice they had suspended my account. I had a couple missed payments in the last year, but they were brought current quickly. I haven't a clue? BUT I am glad they'll be gone!
Reviewed Dec. 13, 2021
After having this card for a few months I fell behind but I knew that I was going to be able to pay the balance in full and called them to advise them of the day I would be able to do this and they stated that it was fine. I called on the day I told them I would and they even removed my late fees so I paid the balance in full. A week later I went to use the card but it was declined. When I called them they told me that my card had been closed on the same day I paid the balance in full. I was not made aware of this. I would not have paid the balance in full if the person on the phone would have told me this. I would have made partial payments.
I had reiterated with the person on the phone to make sure we would be able to use the card and they assured me that I would have access to the full amount within 24-48 hrs. They lied to me and then to top it off I called to complain and was told that they escalated my account and would call me back within a week. It is now 3 weeks and nothing. Honestly I wanted them to reopen my account but now I don't care. They deceive their customers and don't keep their word.
Reviewed Dec. 7, 2021
I opened this credit card and paid the annual fee. It was the one and only payment that I made on this card, because I was never able to use the card. I had the card for less than five months, I called the company and asked why I couldn't use the card. Their response was that it wasn't activated. I had activated it once I received it, I activated it again on the phone with the customer service rep.
Behold I went to use the card again in a week or two, and it was declined again. I called today and they informed me that due to inactivity on the card they closed the account. If I wanted to reopen the account I would have to pay another annual fee. I explained to them, that the reason there was no activity on the card is because their systems wouldn't register that the card was activated apparently. They could care less. It was a scam from the beginning and I can only imagine how many other people they do this to. They should be shut down, and they should be brought up on charges for predatory lending practices, bait and switch and anything else you could think of to Target people that are trying to rebuild their credit and then screwing them over.
Reviewed Dec. 6, 2021
Received my card, looks pretty good. The problem is when I go on line to reg. my account on line, it won't send me the code that they require to reg. the account ?? I repeated over and over, changed both user/passwords and yet nothing. They would not send me any security code to me at all, so I am not able to go on line. If this is a valid company then I should be able to do this like all the other Honest credit card companies. I will not be using this at all. Please be care if they are a new company that does this to you, A PRETTY BIG RED FLAG!!!!
Reviewed Nov. 17, 2021
If I could give a negative star, I would. This company does false advertising. They send PRE-APPROVED only to deny you and put a ding on your credit report. I wouldn't have filled out the form if it had said PRE-QUALIFIED and they know that. How is this legal?! It isn't. I wish I would have looked them up before falling for their scam. I will also report to BBB. I hope you guys go out of business. You're terrible.
Reviewed Oct. 19, 2021
I do not own an Aspire Credit Card. I was pre-approved and declined. Their terms are absolutely predatory and are designed to extract as much as they can out of you. 175.00 upfront fee. 49.00 annual fee. 12.50/month maintenance fee. 35%+ APR. Low credit limit. Avoid at all cost. This company appears to take advantage of people down on their luck who trying to rebuild their credit. Their combinations of high, excessive fees and incredibly high APR will ensure that you're paying interest on top of their own self-imposed fees. (Their fees are charged against the card and are subject to that absurd interest rate.)
Reviewed Oct. 19, 2021
I received a letter saying I was PREAPPROVED for a credit card with a limit of $1500. Not "up to $1500, but for $1500". I decided to get the card to just keep for a rainy day. Went online, put in the acceptance code, filled out all my personal information, and they came back and said I was not approved and would get a letter in a few days. I would have NEVER applied for a random card if it had not said I was PREAPPROVED. I have no need for another credit card, but I decided to just get it and keep it for emergencies. This is not right to do to people, because now I have a ding on my credit report, and nothing in return. THIS IS A SCAM. DO NOT DO BUSINESS WITH THIS COMPANY.
Reviewed Oct. 15, 2021
WARNING!!!! paid my card as agreed every month for over 2 years. Only to realise they were charging me High interest (in a zero interest economy) plus a 12.50 monthly fee and a $29 annual fee, All of which I was never aware of. Would not recommend this card to my worse enemy. I since paid off the card with a ZERO interest rate card.
Reviewed Oct. 11, 2021
Aspire Visa Credit Card sent me pre-approval mailings every month for their credit card. Finally, I made a decision to accept the card since it said I was pre-approved and even gave me an acceptance code. When I did, it declined me and said it would send me a letter within 30 days with details. Nothing on my credit has changed. I believe it is poor business to lure someone in with an attractive offer and then turn them down for that offer. I really wish they had never contacted me. If contacted in the future, I will contact the appropriate person within their company and tell them where they can stick their lying offers.
Reviewed Sept. 8, 2021
AWFUL! STAY AWAY FROM THEM!! This company is terrible. 3 times so far they have locked my card. Every time I use the card they lock it then I have to call customer service and go through a whole song and dance about getting it turned back on. This last time they froze my card and told me I need to verify my ID by sending a picture of my ID and latest bill. I did that, then they told me to send it to another email address, then after that I was told to send it to another. I can never get a hold of their fraud department who are the only ones who can unlock my card. It has been 3 weeks of trying to contact them and still no luck. I have reported them to the BBB and will not be paying any amount of money owed until I get someone who knows what they are doing.
Reviewed Aug. 11, 2021
I applied for this card. They gave me a preapproval for $1500. I accepted the offer and was denied. I have a higher credit score than my wife and I make over a 100 grandeur and yet they approved her for a small amount and denied me. They made a hard inquiry on my account so I cannot purchase the cabin I was going to purchase in the fall considering they ruined my credit. This is fraudulent. Something needs to be done.
Reviewed Aug. 8, 2021
If I could give 0 stars I would! This company’s customer service is the worst I have ever experienced in my life!!!!! They refuse to help you, read you a script and cannot answer straightforward questions, the supervisors are even worse!! Don’t ever accidentally pay your balance twice you will never get your money back!!!! They lie and tell you that you will receive a refund check and you never get it but it’s taken from your account! I have hired a consumer protection attorney to help get my money back they stole from me!! Terrible company!
Reviewed Aug. 6, 2021
I received a pre approval from Aspire only to put in info and was denied. This has to be illegal if for nothing else false advertising. This is not a pre-approval. This is pre qualified. Basically a scam.
Reviewed Aug. 2, 2021
UPDATED 9/2/2021: I have been contacting Aspire for replacement credit card. I have been doing so for about 5months now. They all review my address then tell me they will send a new card.. STILL HAVE YET TO RECEIVE IT..
ORIGINAL REVIEW: I put in request for new card 4 months ago & I still have yet to receive it. The customer service is very horrible when you hold them accountable for their wrongs. There is no way it takes this long to receive a replacement card.. This service is real unprofessional I prefer & recommend NOT GOING WITH THIS CARD.
Reviewed July 29, 2021
This has to be one of the worst credit card you can get. Do not get this card. These people obviously do not have we're not raised by mothers. They are complete low-lives. I really can't even think of a word for them and I hope they suffer.
Reviewed July 23, 2021
I have never received this card. The balance on it is $112 although I have never received it. Was initially sent out (supposedly) on May 30th. Today is 07/23 and I still do not have the card. I have spoken with them several times and have even asked them to cancel the card and they still have not done so. It's a fraud. Try a different company, folks.
Reviewed July 12, 2021
Approved for the MasterCard on May 26, 2021. It is now July 12, 2021 and I have not received the card. Spoke to customer service allow 14 business days. I setup my online account anticipating the arrival of the card. It now shows a late fee for a payment that was due on July 7, 2021. If I have not received nor activated the card, why am I being billed a late fee. I didn't expect to pay for the hope of receiving the card. Still attempting to resolve this matter. My hope is if you as a consumer decide to apply for the card please be aware of my scenario.
Reviewed July 7, 2021
I ordered a new card number when my mail was stolen. That was May, it's July now! Still waiting and being charged $12/ mo for the honor. Card was supposed to be here but never sent. Then they were going to send the same acct #. If you want good service, look elsewhere!
Reviewed June 27, 2021
I'm so pissed. I applied for the Aspire master card only to get denied claiming my credit score is 589, which is a lie! My Fico score is 666. So I'm not sure what model they used maybe the vintage 9 but that not right. Anyway not knowing what score they will be using I ended up with a inquiry on my credit report which lowered my score. What a waste of time!!
Reviewed June 23, 2021
Do not get this card! I made 3 small purchases and they suspended my account, said there were fraudulent activity, and could not get them to unlock it after verified they are mine. Got bill before card arrived.
Reviewed June 21, 2021
Logging in my acct to make payments on my Aspire Visa card have not been an easy task - after I have already entered in payment info - there's nowhere I can click submit to submit a payment. I don't have time to dick around trying to move my cursor on the computer screen to process a payment. You guys should really improve on making payment easier.
Reviewed June 9, 2021
I have had a credit card for a while thru Aspire. I have been paying my account off monthly for about 6 months. As of the middle of may I paid my $109.00 balance off then on June 2nd my account was compromised. I found out thru a email that charges were made that I had not made so I called them and said charges were made like $1.80, $2.00, then $10.00 then higher and higher in one day. Now knowing this doesn't seem right why would they accept these charges?? So now they are sending me more emails on more charges after I closed my account on june 2nd. I have been on the phone with them numerous times and getting nowhere. They said they will investigate it and I have to put on paper what I didn't charge. I told the representative that's easy..I haven't charged anything since May 16th.They said I need to put all charges on paper. How?? I don't get a statement in the mail just emails here and there and I didn't make this mistake, they did!! Sooo frustrated right now.
Reviewed May 25, 2021
I got a pre approved letter in the mail for a $1500 Mastercard from aspirecreditcard.com, entered my pre approved code into the website, and answered all the questions correctly, my Fico score was 686 at the time, after hitting my credit with a hard inquiry they denied me. So they baited me with fake approvals only to deny me and hit my credit with a hard inquiry. For someone building credit this can be very detrimental, this hit dropped my score by 9 points. Thanks for the pain Aspire. CONSUMER BEWARE OF THESE SCAMMERS!!
Reviewed April 12, 2021
I got a pre approval from this company for 2000 in March 2021, not that I needed it, but since it said no annual fees I figured I'd apply for it and cancel one. I was pay a yearly fee. Got approved and all their emails, when the card showed up, a week or so later I go to activate the card and find I I have a amount due for 59 dollars! A yearly fee and that fee every year after! So clearly they believe in baiting customers. They'd to call customer service to get hung up on three times when I tried to explain that this card wasn't suppose to to have a annual fee. I have paid their fee for the year since it hit my credit, but cut the card up and after the year I'll close the account so it doesn't damage my credit as bad. I am filing a complaint with the Federal Trade Commission about this because it is very misleading and many people need that extra money for other reasons rather than to be lied to by a bank.
Reviewed March 4, 2021
Holy socks Batman. ): I applied for this Mastercard for rebuilding my credit, following the 2020 Covid downturn. I totally understood about the $35 annual fee, as that is common. But NOT the whopping $175 startup fee they automatically tacked on. NOT stated in the original disclosure agreement I downloaded. Very sneaky and conning. I won't be using this card.
Reviewed Jan. 31, 2021
I believe people are talking about two different cards. However The Aspire Visa was closed down. And the Aspire Mastercard is same company but similar. I received the Mastercard and I have had no problems. I believe if you get an offer for it and you need to build credit it's worth it. As long as you pay your balance in full each month.
Reviewed Jan. 30, 2021
This company closed my account over a merchant error of not having sufficient funds. I've had perfect payment history with them. I think they just want customers who will only pay the minimum due. I never received any return payment fee or even a statement from them that they were going to close it.
Reviewed Jan. 5, 2021
Website says "down for maintenance" for over a month. Call center in South America. They know nothing. Read scripts. Avoid this "company". Very unprofessional for a bank card. Interest rates very high as are the fees. Avoid this company.
Reviewed Dec. 20, 2020
I received a few letters from them in the mail saying I was pre-approved. It took me years to build my credit score to what is is today which is good, not great but in the 700 range. I disregarded the first few letters as I didn't want another card with a yearly fee. Eventually I talked myself into it to use it to keep business expenses easily separated for taxes. the letters kept getting better as far as interest rate, yearly fee and credit line. So I went to sign up online with my acceptance code and came to a facial recognition page that matched up a pic of me with my license. That was a joke, apparently my 1 year old license pic didn't match up after 6 tries with phone and laptop so I emailed them.
After 2 emails they told me to screw off and wouldn't accept me or that there was any fault or problem on their end. Ok np, the letters kept coming, so 1 fail that put an inquiry on my report after the deals again got better I figured maybe they fixed the issue with facial recognition, so now my credit even better I tried again. This time no facial recognition, sweet! It wanted my bank info, np except my bank wasn't on there 20 bank list...however it let me bypass but again was denied. 2 inquiries on my report.. A couple months later again letters and this time a very good deal and yes was dumb enough to fall for it again, denied are 3 inquiries on my credit report and still no card.
The credit limits and interest rates they were offering me in my pre-approved letters couldn't possibly not accepted me for even lower limit and higher rates!! Makes no sense at all and huge waste of time and aggravation. Me just being the unlucky one, is a stretch to believe at this point. Good luck with this company. I am removing myself from their prescreen offers as I am not falling for it again to get 4th inquiry that was worthless and hurt more than helped at all.
Reviewed Dec. 3, 2020
I received a pre-approved letter for a Aspire credit card with a $700 credit limit. I figured I would apply for it to pay off a couple of bills. I turned the letter over to read the terms. Bozo the clown must wrote those terms because they are laughable. APR 36.00%, annual fee $175 for the first year then $49 every year after. $150.00 account maintenance fee and a late fee of $40 lol, I’m not that desperate. With all the negative reviews I can’t see how they got a 3 1/2 stars. Stay away from this company as far as you can.
Reviewed Nov. 23, 2020
I saw so many terrible reviews on this card so I was skeptical when they sent me an offer for $2000 limit, $0 annual fee and $0 maintenance fee. Interest is 25.99%. I'm post BK, 623 score...seems legit.
Reviewed Nov. 20, 2020
Like many people I'm having trouble paying my credit cards because of COVID 19. I signed up with Consumer Credit Counseling to negotiate lower interest rates and payments. Aspire would never answer their offer and they tried to leave multiple messages. They did however call me every single day. Someone from the Philippines. The fact that they outsource makes me angry enough. They also sent me to collections after only 30 days late even though Consumer Credit Counseling was sending them partial payments on my behalf. This is the worst credit card with 36% interest. Highly not recommended!
Reviewed Nov. 16, 2020
So, I have read a bunch of these reviews.... and I am wondering if I am dealing with the same company. I was pre-approved for $1,500 with a $0 annual fee & $0 maintenance fee. The online application went as they stated it would & it was actually approved. I am expecting the credit card within the next 2 weeks. I was also able to connect to their website to log in with my new account. Everything so far, looks on the up & up. I will definitely keep the original offer & receipt of approval in case this goes south. But so far, it has fraud protection & a free credit score feature when logging in. So I guess I am the first non 1 star reviewer... if anything changes tho - I will be sure to do a proper update to this review.
Reviewed Aug. 25, 2020
I had this card for about a year, had a zero balance and I knew that when my year was up they were going to charge me a monthly fee and an annual fee of $59. All that was fine, but when I got my last statement, they said my interest rate was going up 13 percentage points. I called and canceled the account. It had a zero balance so I wasn’t worried, but I went to check it to make sure it was closed, and suddenly I had a $64 bill. This was the annual fee of $59 plus the five dollar monthly fee.
I called to find out why if I canceled this account I’m getting charged this fee. I was told that this was standard and in my terms agreement. I checked that and it wasn’t. When I said that, the agent I spoke to got annoyed with me and told me that it’s They can. I know that this card has been reported to the FTC a lot, I know that there was a lawsuit for their predatory practices when it was with Compu Credit. I think there should be a another class action suit against them. Clearly they are predators. Stay away.
Reviewed Aug. 11, 2020
This company should be investigated by the FTC. They charge you 25.00 when they feel like it stating automatic payment did not go through. My Bank and statements show NO ATTEMPTS to take this money. I paid what was owed and closed the account. ALWAYS CHECK REVIEWS prior to getting a Credit Card. REPORT COMPANIES LIKE THIS TO THE FTC. There are enough of us on here to file a class action suit against them and SHUT THEM DOWN. They are Thieves.
Reviewed Aug. 3, 2020
I reported the card stolen the same day I spoke with the Fraud department. Supplied all necessary information, responded within the time frame and after three months was told they rejected it because it came in late, even though it was sent (2 copies) within 15 days. The initial charge was $1,500.00. I spoke to them several times with no satisfaction. Two other cards were fraudulently used and the purchases were forgiven. I would not wish this card on my worst enemy. They have receipts, time of purchase and store locations. They did nothing but let the interest build. This is the first time this has ever happened to me. I guess it's my fault for applying for a substandard card. I've lost my credit rating forever.
Reviewed July 29, 2020
Aspire closed my account after I applied to use the credit protection I had been paying for. They continued to bill me for the protection but do not allow it to be used. They then reported my account as closed by credit grantor which dropped my score. They refuse to reopen the account because they said I went over my credit limit on two occasions in the past year.
Reviewed July 24, 2020
36% APR. $175 Joining fee. $40 late charge. Bad phone customer service....I could literally hear a person in the background during my call, yelling at children while preparing a meal...just astounding that this card exists. I cancelled my card and got the hell out!
Reviewed July 23, 2020
I recently applied for credit with Aspire. Before entering my SS# I specifically did not want a hard pull on my report. There was a question next to the SS# field intended for the applicant to understand "why are you asking for this?" It said so that they could make sure it is a match with the credit report they were going to pull" (up to that point inferring it would be a soft pull) not that it would trigger a hard pull of your report. I would have never given them my SS# to get an initial credit review otherwise. The advertising flyer I received indicated that I could check my approval status without impacting my FICO score.
Reviewed July 13, 2020
I received a pre-approval letter in the mail stating that I had been approved for a $500 credit limit. I thought "Great! I can get an unsecured card". I went to the website, keyed in the acceptance code and was immediately declined. Now that inquiry will go against my credit rating, which I am trying to improve. After being denied, I read the fine print on the back of the offer. APR is 36%, annual fee is $125 for the first year and $39 for every year after, and the account maintenance fee is $120 annually. This is usury and Aspire is a predatory company. Please beware!
Reviewed July 5, 2020
Never use Aspire. Their website says "make a payment with a debit card" then when you enter the info it says, "sorry this appears to be a credit card". NO it says debit on the card, it is a debit card, your system is broken. I tried two different debit cards. Same outcome. Their chat is as useless as their website. Now I owe over a $180 for a card I never used. I will be terminating this predatory lending account since there is no viable way to make a payment except snail mail. It's 2020, I guess the owners Randolph and Mortimer still think its the 1980s.
Reviewed April 16, 2020
I received a pre-approved card from Aspire (MASTERCARD) letting me know that I was accepted and I must put in a acceptance code and get my new card after being pre-approved. I decided to come on this review site first with-out accepting it and look up the reviews. The negative reviews was heartbreaking with this company, they have scammed and misled so many by stealing their money. $175 annual fees. Annual percentage Rate 36%. This is crazy and ridiculous. Stay away from this company. SHRED the INVITATION. Beware!!
Reviewed March 31, 2020
I was sent a preapproval letter for $1000. I go and put in the approval code online and fill out my information. Declined. Inquiry on my credit. It said in the terms they can contact my work # for telemarketing? Really? Why send out approval letters and then do this? I am trying to rebuild my credit, not crash it into the ground. This is ridiculous.
Reviewed March 3, 2020
I get a pre-approval for 400 so I say heck why not. I didn't plan to use it but the extra credit would make my ratio lower in return make my score go up. They deny me. What? I have good credit. Just got a home Depot card over the weekend and have five other cards with large limits always paid on time. Stay away. Now I got a inquiry on my report that I didn't even ask for.
Reviewed Feb. 8, 2020
I was sent a pre-approved letter for this card. I applied and got the card with $400 limit. Last week I made a payment for $300 (as I maxed out my card). The payment was reversed somehow, and I made the payment again. After calling multiple times to see what was happening with my account I found out they closed my account "due to bad credit rating and a reversed payment." I asked how I got a pre-approved letter if that was the case. Anyway since I owed them a balance they are keeping the payment and I still owe them. That money was for my son birthday. I'm mad, because as much as I called no one told me till days later. Too many issues with using this card.
Reviewed Feb. 5, 2020
This card is a complete scam and it requires a 175 annual fee plus a 150 maintenance fee for a 700 dollar credit limit. Yea ** right, NO THANKS! You're better off going elsewhere. Too much BS going on here.
Reviewed Jan. 18, 2020
Got sent a letter saying I was approved for a 700 limit credit card and was given a code to enter for the approval. So I did that then got a email saying I wasn't approved for anything. That's false advertisement to me. I have 5 credit cards all paid.
Reviewed Jan. 17, 2020
This is a total scam. $175 annual fee for $700 credit limit. They send you something saying you're pre-approved for the card, then make you submit a credit check (reduces your credit score) before telling you the FEE is $175.
Reviewed Jan. 15, 2020
I received a 1000 dollar credit. I went into overdraft for three days. l paid 700 dollars on it, when l checked my available balance it said zero. l called. They said it was close!!! That’s **. Please check reviews first. l didn’t. Shame on me.
Reviewed Jan. 9, 2020
In case anyone needs the "customer service" number, it's 800-348-8783. I've been paying on a closed account for almost 20 years. I'm afraid that when it's all finally paid off, they will still haunt me. I don't understand how it was a $1,000 limit and I'm still paying it off almost 20 years later.
Reviewed Dec. 21, 2019
I had received a preauthorize invite from Aspire in the start of November 2019 so I decide to go forward and was approved for a new credit card with them. I was then told I would get the card in 7 to 10 business days. At the end of November I got a bill from them saying I owe $125 but I never got the card in the mail. I called them and was told to cancel and they would resend another card. Still to this day I never got a card. At this point I don't want an account with this company and I would highly suggest anyone else don't get caught up in their scam. I was looking for a card to rebuild my credit and not make it worse.
Reviewed Dec. 13, 2019
This card is awful, the account hasn't been open for very long and they closed the account. They did this without notifying me, the only way I found out was due to me getting alerts from Credit Karma. Budget Rent a Car sent a charge to the card that is obviously incorrect and the just shut the card down without a phone call. You would think the company is on their customer's side but no. So now I have this card on my credit which I will dispute. They are just bad for business and I wish I would have looked at review first. I don't even want to get started with their customer service... It's the worst!
Reviewed Dec. 5, 2019
They use a method of holding available funds if the amount paid is over 50% of the balance for 5 business days. I'm sure this is to deter consumers from paying their balance in full to avoid interest. Their customer service is not knowledgeable and you will receive different answers from each representative. Just don't even open this card. There are better cards out there.

Reviewed Nov. 24, 2019
This company I pay credit card on time and they say that two hours late it's a charge of 35 dollars. No other credit card company because of time change or hours charge or try to steal your money that way. You call customer service and they treat you like animal not professional the management told me and I told him, "You guys are pro at ripping people off."

Reviewed Aug. 6, 2019
I received a pre-authorization and decided I would got approved and changed my mind. I tried calling customer service and it was automated as usual. It repeatedly would not accept my info so I could not cancel the card. I did find and speak to someone on a different number who said just don't activate the card but then I'm afraid I'm gonna get charged. Plus their yearly fee is too high. Crazy, I feel it's a scam because I should be able to reach someone.
Reviewed Sept. 7, 2018
A short time after I got this card, I realized what an awful company. When I had enough money to pay Aspire off and be done with them, I did so. So I asked them precisely what I owed to get the balance down to zero and close it out and I paid that. Then a few weeks later, I was hit with "trailing finance charges," and to this day, I don't know if it was legal on their part, but I paid them anyway. So this August, the account was finally removed from my credit history, bringing my Equifax score down 2 points. The thanks I get for leaving Aspire in good standing. From my POV, a terrible cc company and one to stay far, far away from.
Reviewed July 22, 2017
My husband did file Bankruptcy Chapter 7 and Aspire disregards this fact, disregards our Lawyer's letters, keeps sending us statements with late fees. I assume if this ends to the court one day I will bring my bankruptcy file and my Lawyer will support the fact that the card was listed under the bankruptcy file and every attempt to collect a debt will consider as a way to violate any provision of the United States Bankruptcy Code. I see Aspire could go up to 10 years after people who did file a bankrupt. I am curious if there is any legal way to stop this before we actually go to the court where Aspire should pay a fine for disregarding the facts.
Reviewed Feb. 16, 2017
Got a notice for collection also for an Aspire Visa today for 2005. Called the collection company who said it was continuous which is absolute garbage. I may have had this card years prior that was under bankruptcy over at least 10 years ago. He did say it went to collection 2005, 2008 and 2009, he was speed talking also as if he didn't want me to hear what the actual spiel was. I'm guessing whoever collected my bankruptcy info disregarded it and passed it along to the next company to waste some time, because this is no longer or has never been a debt I carried. It's also quite possible theft, but as it hasn't been on my credit report for the last at least 10 years, it is in fact invalid.
Reviewed Oct. 10, 2016
I received in the mail on October 7, 2016 a Debt Collection from NCB Management Services Inc about an Aspire Visa Credit Card account in default of payment for $1891.03! To my surprise and bewilderment I NEVER applied for an Aspire Credit card and I never received a Visa Card from Aspire! I immediately contacted TransUnion and placed a Fraud Alert for my credit bureaus. Today, I filed an official Police Report for Identity Theft and will find out why I have this card in my name and possibly who has done this criminal act. I am trying to contact this company but it looks EXTREMELY "strange" and shady. In fact, I did NOT see any actual Customer Service Number to phone them only an Atlanta, Georgia P.O. Box address. This is purely unacceptable!
Reviewed May 20, 2016
This company was horrifying to deal with and ever so often they creep up like a weed. They only partially applied the SCRA, and this was maybe 16 years ago, but if they had fully applied it, they likely would have owed me money. They then sold the 'debt' and I've been harassed repeatedly through the years. I unfortunately don't have all the documents anymore. Through our military moves, we have had many things lost, but this was one of the most horrible companies I have ever had to deal with. I'm sure when I least expect it another company will buy the debt and I'll have to explain the entire thing again, but they tell me there is nothing I can do since Aspire sold the debt before resolving it. Way to show appreciation to Servicemembers and their families.
Reviewed Feb. 19, 2016
I received a called from ASPIRE VISA today 2/19/16 that they are taking me to collection for a card I supposedly had on 2005! I never had a credit card with them! They said I need to pay $1200 immediately to avoid collection. I read many people having the same fraud situation with this company! What should I do? Need help.
Reviewed April 8, 2015
I had a card with Aspire Visa in which I had a $4,000 credit limit. I didn't use it for several months, and then when I need a new computer I used the card to purchase it. Shortly after I lost my job, and tried to contact the company, but for some reason neither my PIN nor the last 4 of my social would work (which you had to enter in order to speak to a customer service rep). I wrote them a letter on the invoice and mailed it back to them. A few weeks later I have a detective at my door ready to arrest me for identity theft!
Somehow, even though they record you for quality control purposes, they got my info mixed up with someone they were trying to snag as a customer and told her to press charges! I spent 3 hours in jail and humiliated. It was a nightmare that lasted a little over a month. It all ended when I asked for their recording of our phone conversation. Suddenly they dropped the charges. These people don't care about their customer. They just want your money!
Reviewed March 28, 2015
I had an aspire visa card 8+ years ago. Not sure what happened to my account actually because it was so long ago. I'm sure my balance was no more than $500 if that. They waited 8 years to contact me. Over those 8 years my balance is now $3,128 which what they sued me for and now wanna garnish 10% of my gross wages. Never got a chance to fight it in court. I need help fast in what I should do next since they’re gonna start garnishing my wages soon. Any kind of help would be greatly appreciated!
Reviewed Jan. 26, 2015
I received a letter in the mail from PLAINTIFF: MIDLAND FUNDING LLC ASSIGNEE OF ASPIRE VISA ACCOUNT, claiming I owe a debt of $5765.00. A "Writ of Garnishment" threatens to collect my wages. Need help fast. I have no credit cards, how is this happening? I went through this years ago with Aspire. I never signed anything in agreement with this, nor have they provided anything other than a debt for a credit I never had. I received this notice Jan 7, 2015, stating I have 30 days until garnishments begin.
I was recently just financed for a new car, late Oct 2014 and had no problem because I am a home owner. Paid off two other vehicles etc., and provided proof with Wells Fargo accepting me. My "credit score" wasn't an issue, even though I have no credit cards. Something needs to be done to stop this financial war going on behind the working man's back and ruining lives. I'm going to the Circuit Clerk's office, in hopes for assistance but will surely need lawyer(s) action. This entire situation is beyond me and many other victims also, something needs to be done quick and fast. Please help by replying to my email address.
Reviewed Dec. 3, 2014
I had an aspire card around 15 years ago, it had a 500.00 credit limit. They started to charge me insane fees, so I cancelled the card. I paid off the balance and never heard anything until early last year when a law office started harassing me. Apparently aspire never registered me paying off the card, turned to account over to midland funding (whom I never heard from) and they turned over to a law office. The amount they say I owe is a bit over 2 grand, and they want that money, so out of fear of them garnishing my wages I started paying them a little bit every month. All they tell me is its aspire visa and they got the account from midland funding. They will not stop harassing me, they even started calling my work. The only way they will stop harassing me is either: I pay off the balance in full or I get proof from aspire that I paid this off. I cannot get ahold of anybody. I have no idea what I can do, and I barely scrape by and can't afford to keep paying this law office. Avoid aspire at all costs.
Reviewed Oct. 9, 2013
I have read so many stories regarding the Aspire Credit Card and its Bad Reputation. I am with You All ~ I opened a Card with only a $300.00 Limit in 2006...Paid in Full. Now I am getting phone calls from Portfolio Credit demanding $3,840.00!! What!? I'm in Shock! It is on my Credit Report but showing Under Columbus Bank and Trust Co. Which I have Never Heard of...And No Idea why. Can anyone tell me if Aspire Credit Card is any way Associated with Columbus Bank and Trust? I have worked so hard over the years to get my credit rebuilt and am shamed to see what these companies can get away with!
I have NO Credit Cards! If I Did... I know I wouldn't have gotten a credit card with That High Of a Limit due to Sudden Bankruptcy I filed after my Young Husband was killed in an explosion. I am getting Nowhere with the Portfolio Recovery Services. I have reported this for Dispute on my Credit Report. No follow up yet. Does Anyone know if Columbus Bank And Trust is Affiliated with Aspire Visa?
Reviewed April 6, 2013
I received a packet from Portfolio Recovery about 8 weeks ago. It said I owed $1,297.00 on an Aspire Visa I got in 2004-2005. The problem is I never had an Aspire Visa. I wrote on the letter that it was a fraudulent account. I had moved to another state a year prior to the opening of the account. Although Portfolio acknowledges my dispute, now they want me to fill out an identity theft affidavit and have it notarized and sent back to them along with all my personal information and copies of my driver’s license, social security card, copy of police report, copies of other letters I received regarding the debt, and proof of where I lived during the time of the fraud.
First of all, I am not giving them my info or any other items they want. For one thing, the account was opened and closed 8 years ago (!), not to mention the first I've heard about it was when they sent me the letter saying I owed them. They also want me to assist in prosecution of the individual(s) responsible. How in the hell am I supposed to know who the culprit was if I didn't even know about the account until 8 weeks ago! I've moved to 2 different states since 2004 and don't have proof of where I lived back then. I clean out my paperwork every year and dispose of the items that are 7 years old. Those utility bills and rent receipts have been shredded a long time ago.
My identity was stolen and my credit destroyed in 1999 when I fell prey to an online scam. I have had nothing but problems since then. I reported it at the time; however, the town where I lived did not have a computer crimes division until 2006, by which time I was already elsewhere.
Isn't this illegal? I have no verification of the account other than Portfolio's letter, which was sent back to them when I complained about the fraud. They claim they purchased the account from Midland Credit Management in 2007. If that is the case, why did I only hear about it this year? I am so tired of all the BS. This is not the only account Portfolio is trying to make me pay. 5 months ago, I was notified I was in default on a student loan in Georgia. I have never even been to Georgia, much less gone to school there!
I wish the government would put the screws to them and make them send verification of it being my account when they ask for payment. I am only now starting to rebuild my credit. I became disabled in 2003, which necessitated my move to another area. Needless to say, they will not receive a single penny from me! Just try and put me in jail.
One of the credit cards I did have at the time of the fraud was a Capital One card. I found out about the fraud when I received my bill from them and a $1,500 limit was over $3,000 in one month. I reported it to Capital one and cut up and returned my card to them requesting an itemized list of all charges, of which I would gladly pay what was actually mine. This was never done. Capital One gave me a credit card this year, and lo and behold, here comes Portfolio trying to make me pay the bill from 1999! Capital One should have completed my request then. I refuse to pay charges that are not mine, especially when I became aware of them I reported the theft. And most of all, I refuse to pay a debt that is 13 years old!
Reviewed Jan. 19, 2013
After paying off Aspire years ago, I received a letter from a collection agency stating I owe them $1,183. I am tired of this company getting away with their illegal practices of trying to collect money from consumers who paid their bills. Why doesn't the FTC put a stop to this? There have been enough complaints against them. If anyone wants a class action suit against them, I'm in.
Reviewed Jan. 6, 2013
After years of being with them, I was dropped like a hot potato without any explanation. All they said to me was, "I am so sorry." This is a 10-year relationship. Now I am unemployed, I paid my full balance. First I sent in $40 by the due date, and then sent the remaining $735.54 by the following week. I got a bill, but the person I spoke to didn't care about my situation and said I still had to pay the interest charge. "I am unemployed," I said. I paid. Well, I truly do not recommend anyone to even think about taking a credit card with Aspire. They are unfair to their customers. You can hardly get a hold of anyone to talk to. Please do not trust Aspire!
Reviewed Aug. 10, 2012
Aspire closed and dropped off the face of the earth. My account closed overnight. I never even received a letter or anything. I didn't know where to send payments. No customer service number, nothing. Now Midland is on my credit report as well. Aspire, I believe went bankrupt. Anyhow, I’m now fighting with the 3 credit bureaus on this. What I just learned is that, if the collection agency is not able to fully validate the debt with original contract, complete list of payments made, full explanation of interest, etc. (why balance is what it is), that legally they cannot report to the credit bureaus.
I sent a validation letter to them and never heard back. They can be fined for this. I sent a letter to all 3 credit bureaus explaining that this collection was never validated with myself when requested, that this is illegal and not liable for them to report per the FCRA or FDCPA. I have a thing for junk debt buyers. All they do is harass and try to make a buck. Most of them are overseas. In my letter, I asked for full validation and to cease and desist until that full validation is met. That is why I never heard back. So now, I’m fighting with the credit bureaus to make them understand this law.
Reviewed May 16, 2012
Credit report info sent by this company - I told this company this card was stolen years ago. I never used the card. I never made purchases with this card. My wallet got stolen and it was never recovered.
Reviewed April 13, 2012
My account was paid in full several years ago through a buyout. I have proven it to the collection agency at least 7 times. They called again today and wanted me to pay again! I refuse to send paperwork again, proving I have paid. It hasn't made any difference in the past. Look through your records carefully, I have paid this! You should have to prove I owe it. I should not have to prove myself again!
Reviewed April 4, 2012
I had an Aspire credit card for I think about 2 years. It was a $500.00 credit limit, so I never got to carry a huge balance. I used it for emergencies usually as I have 2 other credit cards with much higher credit limits and I never had a problem with those cards. I charged some smaller items, always paid my bill on time or maybe one day late. They would soak me for 40-50 dollars if they got the payment a day late or even just said that the payment was late! It was a constant headache. They would call me before a payment was even due, tack on all kinds of crazy fees and the crazy fees just kept adding on. The last few months, they actually started charging me a $7 payment fee, meaning I had to pay them $7 to give them my money! That was on top of a processing fee, a cardholder fee and an interest rate that climbed every month.
On March 3, 2008, I got a tax return and wanted to pay the account in full and cancel the card because I was just done with them. I made a payment of $435.80 on 3/3/08 over the phone, directly from my checking account. I must have told the woman 5 or 6 times that I am paying this in full and I want it cancelled today. Yes, you are paid in full and your account has been cancelled. About a month later, a man (Indian) called my house saying he was from Aspire and that I owed a $7 monthly maintenance fee. I told him there was no way I owed them a dime, the account was paid off and no longer existed. I asked when this charge happened and he said it was put on my card, about a month after I cancelled it! How can you put a charge on a credit card that has been closed?
In no way is this legal. I have gotten two letters in the past 4 years saying now there was interest building and I owed them $196.00 as of the last letter, sometime early last year. I just got a call from a collection agency, saying they were collecting a debt for Aspire. I told him the whole story and didn't seem too concerned. I want this off my credit score! I don't owe them anything! They robbed me blind when I had the card and they are still trying to do that. We need a class action and I am more than willing to provide any information I can give in this matter. We need to sue, even for only our credit being restored! The activity in which Aspire conducted was criminal and this needs to be stopped. My heart goes out to all the other people that went through this horror story of a fraud-filled credit company. Thank you for your time.
Reviewed March 8, 2012
I had an Aspire Visa Card approx. 10 years ago and paid them off. I am checking my credit report and come across a creditor by the name of Jefferson Capital System. When I called, I learned the account was Aspire Visa and I owed $2252.65. I was appalled because this account was paid in full. Now, I am being pushed around and cannot get an answer from Aspire Visa, Jefferson Capital or ALLW Sourcing.
Reviewed March 1, 2012
A couple of months ago, I set up a 3-month automated payment plan with Aspire, but they did not process my payments. When I called, I discovered that the bank account number they were using was off by one digit. When I checked my online record, the number was correct. When I asked to speak to a manager, I was told that no one was available and that I need to call back the next day during EST business hours. Because of my work schedule and current lack of a cell phone, making a call during those hours are difficult. I said I would try, and the customer service rep wouldn't accept my answer. They never offered to call me back or made any effort to put me on hold to wait for the manager.
I then went online and attempted to pay off the full balance, but the payment seems to be in limbo. Apparently, they attempted to process my original payment after we spoke by phone, even though I did not give them permission to do so. They called again today to say that my payment was late, and when I told them that I had paid off the account online, which is how I usually pay, they checked and saw that I had indeed done this But they still seemed confused. Apparently, they have been processing and cancelling payments at their leisure.
My payment still has not gone through, and I was told over the phone that they would wait a week to see if my bank would allow the transaction. I've never had to wait a week for a payment to be processed in the past, and I am very suspicious of this company. Neither of the customer service people seemed to know what was going on or how to respond, but the second person seemed a little more informed.
I am extremely sorry that I ever agreed to do business with them. It's been a hassle, and their representatives seem clueless and ill-trained. Considering that the company shut off all the credit cards without warning, I wonder who am I attempting to pay and if the fees I am being charged are legal. This company and their practices need to be investigated.
Reviewed Feb. 22, 2012
I received something in the mail today, stating that my state taxes were garnished, due to a debt that I supposedly owe to Aspire Visa. They collected $460.00 from my state taxes. The problem is that they have received their pay off money in 2005, and I sent it to them with no response regarding my payment. Now, 7 years later, they are taking my state taxes, and saying that I owe them $2,313.34 dollars. This all for a card that started with a $500 limit. So all together, for this, they have already collected over $1,000.00, and still want another $2,313.34. When you call the company that advocates for them, they are rude. They say they don't know what to tell me, and then say were going to continue to collect a debt. This is not a debt that I owe!
Reviewed Dec. 28, 2011
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?
Reviewed Nov. 14, 2011
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.
Reviewed Oct. 25, 2011
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?
Reviewed Sept. 15, 2011
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.
Reviewed Aug. 19, 2011
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.
Reviewed July 23, 2011
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.
Reviewed July 13, 2011
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!!!
Reviewed June 24, 2011
Aspire closed everyone's account and still charging me 29.99% interest rate and their payment website lists this: Payments are posted to your account upon receipt. We reserve the right not to increase your available credit until your payment has been processed and verified, which may take up to 5 business days.
We reserve the right not to increase your available credit? What the ** are they talking about?
Reviewed June 13, 2011
My mother opened an account with Aspire and registered me as an authorized user. The card went bankrupt and the account was closed. Now there is a 29% APR and I am trying to settle the balance, but there isn't any phone number to contact them. I have sent e-mails, but have gotten no response. At this APR, I will never be able to pay this down. I need some assistance on how to move forward settling this issue as it stands it appears on my credit report and I am in the process of cleaning that up. Thank you in advance for your assistance.
Reviewed June 6, 2011
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.
Reviewed May 16, 2011
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.
Reviewed March 9, 2011
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.
Reviewed Dec. 19, 2010
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.
Reviewed Nov. 30, 2010
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.
Reviewed Nov. 22, 2010
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.
Reviewed Nov. 12, 2010
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!
Reviewed Oct. 15, 2010
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.
Reviewed Oct. 7, 2010
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.
Reviewed Aug. 17, 2010
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.
Reviewed Aug. 11, 2010
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.
Reviewed July 22, 2010
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.
Reviewed June 12, 2010
These two are the same company and after Aspire lured me in with a low interest 'to help rebuild my credit' they then sent me another card that I did not request or agree to and in fact because I thought it was only an ad letter I threw it a stack and didn't open it for over a month until I got a bill for a charge on that card. Apparently, they charge an annual fee and had applied it to a card that I had neither requested, or called the number to activate the card. Because I already owed the fee and they wouldn't close the account unless I paid it, I ended up eventually using the card during a hardship and faithfully paid every month on time, even then they'd already raised my rate for no reason.
I paid on time for about two years, then I lost my job in 2008 and still made reduced payments on time for several months but they kept calling and calling anyway. I finally told them that I had nothing left to pay with, but they called me on my home phone, my cell phone and even on my husband's cell phone at least 6 times per day from each; Tribute and Aspire and from all different area codes and numbers. They were relentless. It got to the point that we stopped answering our home phone and often didn't bother to answer our cell phones either.
The worst part, my husband was already suffering from a severe depression and had gone through rehab for alcohol addiction. Then, he got laid off and these horrible phone calls just kept coming and coming and even when he didn't answer them, the sound of his cell phone ringing just drove him up the wall. Until he finally started drinking again and had a complete mental break down and had to be removed from our home by the police! He's a nice man but he just couldn't handle it on top of his other problems. He ended up so drunk and so deranged that he ended up in jail with attorney fees, lost his unemployment and is now likely to lose even more. Maybe if they wouldn't have constantly called, it wouldn't have happened. Tribute and Aspire (the same company, they lie about that) called three phones at least 6 times a day each! That's hearing our phones ring 36 times a day!
Reviewed May 28, 2010
I got an Aspire Visa Card over 4 years ago due to the advertising which stated that I could rebuild my credit after a bankruptcy. I faithfully paid my bill on time over and above the minimum and paid off the balance several times.
They began to increase my limit periodically in increments of $500 until I had a limit of $2000. Suddenly about 2 years ago, I received a notice stating I would no longer be able to use my card. I then noticed months later that they had raised my interest rate to 35%!
When I called them to dispute this, they told me they had the right to raise it at any time according to my customer agreement. Feeling that I had no recourse, I continued to make payments.
I suddenly was laid off from my job in 2008 and that led to me having to foreclose on my home since my income had dipped to one third of what I was earning. I contacted Aspire and asked if I could make a settlement on the account due to financial hardship. I explained my situation and told them I needed to do this because I could no longer afford the payments.
It took two weeks before anyone contacted me and they told me, "Sorry about your financial hardships but we are not offering any settlements at this time". When I asked why, they just repeated the same statement. I pressed further and finally he said, "This is our policy".
I told him then I would no longer be able to continue paying on a card with an interest rate of 35%. The interesting thing is that they didn't return my call until the day before a payment was due. Two days after the payment was due they began calling me about my payment and for the last 6 months, I have received calls 3 to 4 times a day at all hours harassing me about my payments.
I have refused to speak to them or answer their calls. This is purely criminal to me. The company who touted themselves as helping people repair their credit now has become the predator. I refuse to let them drag me into financial slavery for the next 10 years. Someone needs to stop them!
Reviewed April 24, 2010
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!
Reviewed April 21, 2010
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.
Reviewed April 21, 2010
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.
Reviewed April 12, 2010
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.
Reviewed April 9, 2010
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!
Reviewed April 4, 2010
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.
Reviewed March 20, 2010
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.
Reviewed Feb. 28, 2010
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.
Reviewed Feb. 26, 2010
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.
Reviewed Feb. 25, 2010
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.
Reviewed Feb. 12, 2010
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.
Reviewed Feb. 11, 2010
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 **.
Reviewed Feb. 9, 2010
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.
Reviewed Feb. 7, 2010
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.
Reviewed Feb. 3, 2010
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.
Reviewed Jan. 31, 2010
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.
Reviewed Jan. 28, 2010
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?
Reviewed Jan. 19, 2010
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.
Reviewed Jan. 13, 2010
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.
Reviewed Jan. 7, 2010
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?
Reviewed Jan. 7, 2010
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.
Reviewed Jan. 5, 2010
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.
Reviewed Jan. 5, 2010
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.
Reviewed Jan. 4, 2010
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.
Reviewed Dec. 22, 2009
I received a settlement statement from Enhanced Recovery Co. to settle a delinquent account. They received 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 in Oct. 2005. I resided in North Carolina. 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 truly at a loss.
Reviewed Dec. 8, 2009
I have no idea who to call. Aspire Visa has no phone no. on the bill. I had a charge of $999.99 charged to my account. I disputed it and they denied it. I sent in paperwork 3 times. They said they did not receive it. Then they said, they did not receive it within the time frame, 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. There are many charges but not justified.
Reviewed Dec. 3, 2009
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Reviewed Aug. 24, 2009
My Aspire was closed just like others without any fault on me. Still paying my monthly payment with sky high rate of 29.99% through mail (because Aspire will charge $4.99 for internet payment). I just got a mail from them stating that my account will be transferred to CompuCredit and I still have to keep paying my balance. Does anyone know what is going on about this transfer? Thanks.
Reviewed Aug. 18, 2009
Since Aspire closed everyone's accounts, it seems they are not being honest with their account balances. I was with them for 5 years and never had a complaint. The last few months, my balance is going up instead of down. I e-mailed them last month two times about why my balance was more and refused to make the payment until they gave me an answer. I never got an answer to either inquiry but received a special notice saying I was now being charged a $39 late fee. I had never been late before. So, I went ahead and paid the $39 plus my regular payment of $36. My balance last month was $914.95. I paid $36 towards it and this month my fees were $21.33 and my balance is $921.45. Again, I have written 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 as I am and I think we should not stand for it. Anyone who would like to contact me can do so at **. It is time we get answers.
Reviewed Aug. 15, 2009
I have had an account with Aspire for a few years and always made my payments on time. Last year, I was notified that my account 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 statement 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 account that they closed. They said that they would not; they said that it was a fee that must be paid each month. Now for the last 2 months, I have tried to make a payment on their webpage 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 webpage 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 account. I called aspire to ask why, and they said the account was transferred to another Aspire account? I told them I could not make a payment online, and they said they were "having trouble with their webpage." 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 a lot of the complaints on this webpage and see that I'm not the only one with Aspire issues. These people closed my account 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 account to a zero balance and get rid of them forever!
Reviewed Aug. 15, 2009
I recently received a letter from Aspire. It says, "Hello! You will soon have a new creditor. Your closed Aspire account will be transferred from Columbus Bank and Trust Company to CompuCredit Corporation on August 22, 2009. A copy of your new privacy policy with opt out form is provided at the end of this letter." This letter goes on to say, "Important facts about your closed Aspire account" and it says I'm obligated to pay my outstanding balance in full under my existing terms. I will get a new account number. My account will remain closed to new transactions. I have no clue what is going on with Aspire. I never closed my account and I pay my bill every month and pay on time. If I can pay extra, I will, but they're saying I need to pay off my balance of approximately $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 and I wanted to pay it down anyway.
Reviewed Aug. 9, 2009
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 but 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. 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.
Reviewed July 21, 2009
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 minimum amount due at that time until the discrepancy 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 monthly account withdrawal with them. The first withdrawal 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.
They have harassed me, my family members and office incessantly. They have reached people at numbers that I have never even given out. My credit score is in near ruin, due to many circumstances during the past year, but this is the most ridiculous and ludicrous spot on my record.
Reviewed July 21, 2009
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 minimum amount due at that time until the discrepancy 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 through and started a whole new slew of fees.
In 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 monthly account withdrawal with them. The first withdrawal 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.
Reviewed July 18, 2009
I canceled my card at least 6 months ago and sent in the card cut in two. They keep charging me interest and over-the-limit fees. My husband died last July. I was willing to pay what I owed, which was about $500.00 at that time. But they took my money but keep charging me the $70.00 a month. I just quit paying them, because I couldn't get anyone to help me. I was willing to make payments, but it was impossible at that rate. I draw a little over $600.00 a month.
Reviewed July 17, 2009
The company, even though I was regularly paying my bills on time for years, ended the credit card program and closed my account for no apparent reason. I was unable to make payments online or even find out why they terminated me. This caused late charges. They did nothing to transfer my account to another card. I do not like paying fees to a company that treated my business so shabbily. I was unable to use my card for traveling and other needs, as they seemed to deny my card every time I used a gas station. I became behind with the payments and my credit picture became desperate.