For the past 2 1/2 years, I have been trying to resolve the issue of the credit card company charging a fee for credit card protection insurance. The charge shows up as "Cardsafe, " and is charged monthly, based upon the amount of the outstanding balance. I never signed up for any type of credit card protection insurance, and first discovered that I was being charged this monthly fee, when I paid the card off in September, 2007. When I questioned these charges, they were refunded to me. Subsequently, when I began using the card again, the fees were once again charged to the card. After numerous calls to the credit card company, I disputed the charges in writing. I was then informed by Aspire that Cardsafe is an independent entity, and that I should contact them directly (the phone number is [protected]). When I contacted Cardsafe, they told me that they had no record of my name or address, and that those charges were supposed to be billed to a Michael Taylor, who lived in another city. However, the charges were billed to my card. I expressed to them my concerns that this was a possible identity theft issue, and was told by Cardsafe to contact Aspire Visa, to resolve this issue. Subsequently, this issue was resolved, but the Cardsafe charges continued to be charged to my credit card. Once again, I called Aspire Visa Card, stating that I had never signed up for credit card protection. I was again advised to call Cardsafe. Each time I called Cardsafe, I was always told that the manager (who was never there whenever I called) would call me back. I never received a call back. Once again, I called Aspire Visa, and the customer service representative initiated a three-way call between Aspire, Cardsafe and myself. The Aspire rep explained my situation to Cardsafe, and once again, the Cardsafe rep assured all parties that the manager would contact me. Again, I never received a call. Once again, I contacted Aspire, and was advised to transfer my card balance to a new credit card. The rep assured me that once this was completed, no more fees would be charged to the new credit card. When I received the statement from the new credit card, Cardsafe fees were stlll being deducted from my credit card. I believe that Cardsafe is based in a foreign country (India or the Philippines). I also believe that Aspire Visa and Cardsafe work in partnership with each other, because Aspire consistently failed to resolve my issues with Cardsafe. I believe proper redress would be to refund all Cardsafe fees charged to my account.
I missed a pmt with aspire I called was told I could pay $1500 they would SIF the bill told them no can do i was offered to pay $180 on top of pmt t I just paid pmts are about $80 for the missed pmt I would have paid about $170 for 2 mos I paid $280 was told if I would pay $200 with a post dated ck for the next mo they would lower my interest to 8% for 12 mos I said ok I gave them a post dated check and now the inst is still at 26.99% i call was told call another ph# cl'd it was told told cl ph# on back of card was hung on b4 I could say I have no card what a scam.
My ASPIRE Visa was cancelled for absolutely no reason. I always pay my balance in full each month and often ran a credit balance with the company. My credit is in excellent shape with no late payments or anything else adverse on it. I tried to call customer service to talk with someone about the problem but low and behold the number had been disconnected. Then I called the number for the main office listed on the back of the card. Guess what, I did reach someone who told me that all the staff had been fired and the office was closed. Smells like BANKRUPTCY to me.
The List of complaints is too long to go into but I found this helpful Aspire Credit Card Is Part Of CompuCredit. I have contacted them to express my displeasure with them the at 770... . My latest reason for calling, Internet Explorer 8 Does not work with the Aspire Web site to make online payments At a Cost.. That Means Folks that do not trust them to post payments Mailed Via Post Mail. Are Forced To Pay Via Phone @ $14.95 a pop Just To Make A Payment.. A person Can go futher into debt Just making Payments... And Charging Your Dead Credit Card .. After I call and share I feel a little better...
Despite having an 'Outstanding' credit history for the past 15yrs., Aspire Visa has had an extremely negative impact on our credit. It has effected our FICO score as well as our other credit cards. (APR)
It wasn't until today that I discovered this site, what has been done to us has been done to many... As I read! I'm wondering if anyone has found out any info. in resolving the issues that Aspire Visa has caused???
Aspire closed my acct. Dec.24, 2008 for reasons:
The company terminated Visa program
However, since then I have noticed on my statements they are still charging me Periodic Finance charge and additianal finance charges on my outstanding balance...
Can they keep charging me interest / finance fees ? Especially since I am not using their credit card?
I have been a customer at aspire for over 3 years now, and I have never been late in those 3 years, and have even paid off my balance in its entirely once.
Today (November 28, 2008) I received a letter in the mail stating they were terminating my credit card effective December 8, 2008, but I am still responsible for my entire balance. This is after they already charged memy annual fee, which should not have happened if they knew they were folding.
I did not call their customer service because I have already had enough problems in the past in dealing with them, but I have also read numerous complaints about customers calling about this same exact problem and getting no results. I agree with everyone on here in that there needs to be a class action lawsuit against this company, because we should they have shady business practices that need to be investigated further. As consumers we should not be responsible for our balance if they are the ones closing, since it is their fault and not the ones who are timely consumers.
As for people curious about class action lawsuits, they are rather easy to start. You have to hire an attorney that deals with civil suits (you want one that is experienced in class action suits). Then you will tell them about your case and that it is nationwide, then they will do the rest. Keep in mind most civil attorneys usually ask for 30-40% of whatever you win.
I called their customer service today to get a new card, as mine had just expired. Nobody, including the supervisor, was able to access my card information and I was told my account had been purged from the system due to inactivity for over 90 days (the balance was paid off a few years ago). I had received no letter informing me of this, and wouldn't you know it, I am able to access my account information both online and via their telephone account status information, and as far as I can tell, the account is open. I am at a loss as to what to do next, as I am now the proud owner of an account in limbo.
On Nov. 13 I received a letter of termination. They closed my account for no reason. I pay each month and...
My credit card started being declined at stores on 11/10/08. At first I thought it was a bad scan but then I realized that something was wrong with the card. After attempting to make an online purchase I was notified the card was declined again. Upon calling customer service I was notified that Aspire Visa was discontinuing it's services and was never given a reason why. When I asked 'Robert' if ALL of the Aspire Visa accounts were being discontinued I was notified that 'Aspire Visa is discontinuing it's services' He would never specify if it was just my account or others as well.
I called back a second time with more questions about my account and spoke with 'Robert' again. I am currently waiting and have been waiting for over 30 minutes on the phone to speak with a representative that can discuss my actual account information. It is now 2:06 am. I am very disappointed and disgusted with their customer service.
I will evaluate this last bill with a magnifying glass to make sure they are not stealing any more of my money. My account limit has never been reached and I pay the bill off every month. There is no reason on my end why the card should be discontinued. Will this hurt my credit in the end?? My credit at current is perfect. Their customer service is repulsive.