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Kitty Rue
56304 Mall street
Takoma Park, MD writes:
Complaint: Next Card Visa is horrible. They post extra payments one month
and then they take away more than they should the next months saying that
someone made an error. When I ask for list of postings, they tell me that I
must contact this other company... of course you can only reach this company
by mail. When I asked for answers they hung up on me. DO NOT USE THIS CARD!
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John writes:
Complaint:
Since the time NextCard went bankrupt there have been several bad faith
issues. The first was February 2003 when I received a $29 late fee. I
called NextCard twice and finally a representative told me that they had
recently changed systems, had a problem and many people were wrongly charged
late fees. He credited the late fee to my account.
Since day one, I was an Internet payer with NextCard and NextCard notified
me by e-mail when my invoice was due. Since the bankruptcy they no longer
notified me but I could / did pay online. I set up a reminder in my Quicken
software and would go online and make a payment whenever I received a
Quicken reminder.
My balance was very small and in November I went online to make my payment.
I was happy to see that my minimum due was zero and my balance was zero. I
had been trying to payoff the NextCard and assumed that my October payment
had paid my account in full. Because of this I removed the Quicken reminder
and never again went to the NextCard site.
Today I received a notice from a collection agency (made me mad as $#*&^#$&
because I have pristine credit) of a $140 debt owed to NextCard Master
Trust. I called NextCard and assumed that they made another mistake like
they did in February 2003. What happened was that NextCard developed a new
account number and in November 2003 balanced out my old account number and
merged my old balance to the new account. This was news to me! I never
knew of this new number, never consented to it and never signed for a new
account number. When I pay online it asks for my credit card number and I
gladly dug out my card and used it. My physical credit card was the only
account number I knew. So NextCard had accrued three (at $29.00 a month)
months of late fees on this new account against me and now I owe $140.
To me this is an abuse of their power. To change your account at will and
then charge late fees against an account that one never knew existed should
not be legal. I called NextCard several times until one of the Reps
understood what took place and offered to remove the late fees and gave me
my payoff amount. I immediatly went to their site and paid them off.
NextCard turned out to be the worst card I ever, ever owned. With Fed Funds
rates at historical lows, how can a credit card / bank charging 9.99
percent interest go out of business? |
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Janet
Complaint: I made a payment to Merrick Bank via EFT from my checking
account. This payment has been taken from my account and has been posted to
my credit card account but still shows a zero available balance. I have
been told that I will not have access to this amount for 10 days. So
Merrick Bank receives my payment and posts it and also has float on it for
10 days while I sit here and cannot use it! Has anyone ever heard of this
before? I could understand if I paid by check and it took a few days to
post...... |
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Diane Timmerman
4074 Highway 441 SE
Okeechobee, FL 34974
Phone: 863-467-4481
EmailAddress: dt610@Okeechobee.com
Complaint_against: Nextcard
Complaint: I bought a car last year, no problem This year I went to buy a
cycle and SURPRISE Nextcard has me listed as a charge off. I have been
trying unsuccessfully since that time to contact them. I went as far as
sending them a registered letter saying I have the money but like some of
you they change my account number unbeknown to me and I have no record of
it. I think it sucks that this company can set out there out of reachable
contact,( if you try the contact numbers given by the credit reporting
companies-there's one in Norcross GA and another in AZ somewhere you will
get the recording saying we're sorry this is no longer a working number) and
screw up your life for seven years. Where is the Government regulation in
this???? Anyone out there have a suggestions?? DT in Okeechobee |
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Robert
Delaware
EmailAddress: black.gamon@comcast.net
Complaint_against: NextCard and who ever else was involved
Complaint: I have always paid my bills on time because of my profession. I
now have a judgment from some law firm that purchased my account from
someone else. I was on the phone with nextcard they day they were shut down,
and had not heard anything until 2004. I had no address to send payments or
phone number to call. Now I have an law firm asking me for 12k I said I
don't owe that much I may have only owed about 3k under a 5k limit.
according to the credit bureau my limit was increased by nextcard which is
impossble if they were closed. I have called the banking commission in
delaware who tell me to deal with the commission in california who say the
bank is closed so they can't research it. I really want to get violent at
this point the government needs to intervien. Further more the credit bureau
advisd me not to keep disputing "a valid judgement" and ilegally it is
duplicated on my credit report. AAAAAAAAAAAA! |
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marc austin
EmailAddress: marcaustin@hotmail.com
Complaint_against: nextcard
Complaint:
I have a next card account that I have been paying on for a long period of
time. Apparently, at one point my paymnet must have been late by a day or
two and I incurred late charges which put me over my credit limit.
I haven't looked at my bill for several months, as I automatically just send
them $50 per month. Well, they have been charging me overlimit fees for
several months and I am now $500 over my limit.
I can't contact them to try to resolve this or somehow put a stop to the
insanity. I can't afford to give them $500.00 just to pay my over limit
fees.
Does anyone know how to contact them or any suggestions to resolve this? |
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| Tray |
tr3medic@yahoo.com
Complaint_against: Nextcard /Online Bill Pay
Complaint: This is a complaint as well as information
for NEXTCARD users. Next Card has been horrible. The complaints I
have read and so on. |
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| mare |
Phoenix AZ 85027
justmare@cox.net
Complaint_against: Credit Card Companies
Complaint: I have several credit cards open and carry a balance on
many of them. Just within the past year as soon as I pay any
substantial amount on the balance, the credit card company decreases
my available credit which has dropped my credit score from 720 to
528. On paper it looks likes my cards are always maxed out. I have
never been late on a payment and I have never gone over the credit
limit on any of the cards. Another thing they are doing is changing
the terms, again for no apparent reason. On one of my Citibank cards
and also on a Bank of America card they want to raise the interest
rate from 9.90% to 24.99% unless I opt out.(which means if I use the
card at any time in the future all balances will convert to 24.99%
or I can completely close the account). When I signed up for these
cards we entered into an agreement and now they get to change it? I
certainly would like to change the terms to lets say .99%. When I
call to ask the companies why they are doing that they say "We are
doing it across the board." "All of the major companies are doing
it." My question is why??? What good does it do them to ruin my
credit? My income has not changed, actually it has improved. They
were not concerned when they offered all of this credit to me. I
just want to know a way to complain to someone who can make a
difference. These policies are unfair. |
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| aNONYMOUS |
| Complaint_against: BB&T bank card
Complaint: This is one complaint i have against
credit card company,they charge a outragious fee of $35.00 for just
being five minute late. I went to the bank to pay my monthly bill
when I drove up to the window it was 1:55 the lady said that the
computer was down, when the computer came back up BB&T bank card
charge me $35.00 late fee.I dont think that was fair.I called them
on that same day to tell them what happen but they refused to take
it off. They just keep finding was of taking people money money i am
glade the goverment is stepping in because they are ripping people.
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| Joe |
Carson City,NV 89706
Complaint_against: Credit OneComplaint: I
have been getting phone calls from Credit one everyday, four times
an hour. My hours have been cut to 20hrs a week, and with rent,
food, and basic utilities I can't afford to pay my bill. I have
explained this to them but it does no good. Also their late fees and
interest rates are so high, I can't afford to pay it. I'm a victim
as well from this rotten economy. I want these harassing phone calls
to stop. I was paying my bills on time up until my hours were cut.
My fiancee and I are struggling really bad at this time.
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| april borland |
durham nc 27705
Complaint_against: NEXT CARDComplaint:
WEBSITE WORKS WHEN IT WANT TO. FINACE CHARGE ARE HIGH AND THE CARD
IS CLOSE THEY WENT OUT OF BIZZNESS. YOU CAN TALK TO A REP AND EACH
STATE YOUR BILL NEVER DROPS IT JUST ABOUT STAY THE SAME I'VE BEEN
PAYING THEM FOR FIVE YEARS NOW AND STILL HAVEN'T PAY THEM OFF AND
THEY ARE CLOSE SHUT DOWN THE ONLY WAY TO GET IN TOUCH WITH THEM IS
TO WRITE THEM AND THEY STILL WANT RESPONDE . I DON'T KNOW WHAT TO
DO! |
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