bad credit cards


	Ray Grebe 70 s val vista gilbert , Az. 85296 EmailAddress: rgrebe@cox.net Complaint: Southwest Airlines Visa by First USA has displayed the worst customer service I have ever dealt with. They decided, after promoting to use the transfer your balance to us, to increase my interest from 13.9% to 30% over night and with no reason or notice given. That increased the finance charges by 50% in one month! This is a nice tool, that they state they have the right to use at any time for any reason, to generate income for them with no recourse! The only option they gave me was to pay off the balance and cancel the account. I have had the card for almost two years and not missed one single payment nor a single late payment. These companies are getting us to sign-up and then once you use the services they rob you as the average person can not afford to simply pay off the debt in one month to stop the bleeding. I do have this option and will pay them the balance and the finance charge I agreed to and cancel the account!

	John V NM EmailAddress: gunnyding@aol.com Complaint: Below is copy of the letter I sent to the FTC complaining about First One 12 March 2005 PO Box XXXX XXXXXXXXXXXXXXX XXXXXXXXXXXXXXX Division of Credit Practices Bureau of Consumer Protection Federal Trade Commission Washington, D.C. 20580 RE: First USA Bank, N.A. Cardmember Services, P.O. Box 15298, Wilmington, DE, 19850-5298 On January 29, 2005 I contacted my credit card company (First One) to dispute a charge to my account (last four digits: XXX). That information is quoted below in italics: The name of the merchant: Outwest Stoves and Spas The dollar amount.: 1564.42 The transaction date.: 11/27/2004 On November 27, 2004 I purchased a Country CA-160 Insert Wood Stove from Outwest. On December 9, 2004 the stove was installed. At the end of the installation, the installer mentioned several problems that he stated should be addressed: 1. The unit was a used unit. It had been previously installed in another home. When it would not fit there, it was then installed in my home. I support the use of used products; however, I do not believe I should pay new retail price for a used item. The condition of the stove was not mentioned to me at the time of the purchase. 2. Smoke exits from the top of the stove while the unit is heating. The installer stated that this is not normal and if it continues it should be repaired. He hoped that after a day or two of operation the problem may resolve itself. As of the date of this letter, the problem continues. 3. The faceplate of the unit leaves a 2-3" gap above the unit and the fireplace. According to Dennis DXXXXX, East Mountain Bernalillo County Building Inspector (505-XXX-XXXX) this installation does not meet building codes as a person could insert their arm between the stove and fireplace. When I asked the County about the installation, they stated that a building permit was required and that no record of such a permit existed. I have contacted the company on numerous occasions via phone, fax, and visiting the store (12/13/2004,12/18/2004,1/20/2005). At no point has the company returned my calls/faxes/visits to remedy the problems. A fair resolution would be refund of a portion of the purchase price (i.e 15% or so) to adjust for the condition of the stove or be provided a blower or other equipment of comparable value, the smoking problem fixed, and the faceplate replaced with an appropriate sized piece. Attached please find my recent inquiry to the Better Business Bureau which seems to suggest I am not alone in having difficulty with this particular company. As of March 12, 2005 I had not received any response from the credit card company. I called their number (888-305-4016) was told that the above information was not adequate for them to process the dispute. When I asked what they needed they stated they needed the dates I contacted the company and their responses. I explained that the above information was there. They then responded that a 'second opinion' letter was required. I asked how a person could provide a second opinion that the unit was used prior to installation. She then asked if I had returned the item. I asked her how I was to return a 500 lb fireplace that was installed in my wall. Below are pictures of the unit as installed: As can be easily shown, there is a large gap between the fireplace and the mantel. Also, to the left and right of the word "Country" is where the smoke continues to come out. I am appalled at the lack of assistance First One has provided on this. I will be canceling this credit account as I will not provide business to a company that does not serve its customers. I also would hope that your office can provide some assistance in dealing with the disputed amount. I appreciate your assistance and look forward to your response. Respectfully; Dr. John VXXX Cc: First USA Bank, N.A. Cardmember Services, P.O. Box 15298, Wilmington, DE, 19850-5298

	Tom Seattle, WA Complaint_against: First USA Bank, N.A. Complaint: First USA Bank, N.A. P.O. Box 8776 Wilmington, DE 19899-8776 Phone (888) 835- I had canceled my United Airlines Firstcard credit card in October 1999. I was told over the phone that my balance was zero. I then received a bill for $60.00 for an Annual fee that same month. I called and was told it was a mistake and it would be taken care of. I then received another bill that said I was past due and owed $89.00. I called on November 29, 1999 and spoke with Tammy, in Collections Retention Department, and was told the fee would be removed and my balance would be canceled and that it would be cleared up and that they were sorry. I received two letters, dated October 26, 1999, saying my account would be credited the $89.00 and would show up as zero balance on my next statement. It never did. Those letters came from Cordell Armour, Financial Service Advisor. I then received a letter on January 24, 2000 that said my account was past due and I owed $118.00. I called on February 4, 2000 and spoke to Kathleen Maivald about this matter. She said that she was sorry and that she would cancel the balance of $118.00 and promised, "This won't happen again". I received a letter on May 19, 2000, saying my account was past due and that I owed $152.86. I called on May 30, 2000 at 8:30 PM. I was put on a direct line to a supervisor. I was on hold for 25 minutes until the line was disconnected. I called again to Christina Reil in Arizona addressing this same issue and that it would be taken care of. I received a letter on April 2001 from Nationwide Collection Systems, Inc. stating that I owed $282.32 with threatening repercussion of not paying what is due. I called Cardmember Services in July 2001. I forgot to get the name of the person I spoke to. They said that they would look into the matter and get back to me. I received a letter, dated July 11, 2001, pretty much stating the very same thing I was told over the phone. "We have received your inquiry and will be responding shortly. I never heard from Firstcard again. I thought it had been resolved. Now enter May 4, 2006. I am trying to get a home equity loan to complete repairs to my house. The bank finds that I have an outstanding balance on my credit report, with First USA Bank, N.A. for $282.32. I called Firstcard and was told that an inquiry would be started and that I should get a reply in 10 to 15 days. What am I to do? I don't think this company has any ability or desire to fix their problem. It is now my problem, that I have this lie on my credit report.