I had this credit card for two years, we got it when our credit was sub-par, I have always paid it on time and to thank me they give you a credit increase BUT charge you another $100.00 for a $300.00 increase. They also charge you to pay your bill. $10.95 a month, $9.95 monthly maintenance fee, 29% APR, and $89.99 a year user fee. To sum it up...if you don't use the credit card at all it's still going to cost you over $30.00 a month for it to sit in your wallet. Eventually if it's your first credit card they have trapped you into keeping it to upkeep your credit score history. What can I do to get the fees back? Please help!
We ordered the special trial offer for the e-Bay Success System, for only $1.95 shipping. Not only did nothing arrive, the charge did not even hit our account for a week. When it did it also included an additional charge -- and an additional international transfer fee of a couple of dollars. When my wife called the Customer Service number she waited on hold for 35 minutes. The music in the background while on hold was some jazzed up Indian style music. While she did that I tried to find more information about the company. The domain name is registered through NameCheap.com, and the actual owner of the Domain name is protected through WhoIsGuard.com encryption. The 'Contact Us' link for WhoIsGuard.com reverts to a contact page for NameCheap.com, so the one appears to be a service provided by the other. When Customer Service finally answered, my wife spoke to a man who did not listen to her complaint at all. He just kept repeating that the trial period was over (and we hadn't received anything). In my turn on the line I had to get loud in order to be able to speak at all. If I did not shout he kept cutting me off and talking over what I had to say. Could not even get him to repeat my complaint back to me, he kept asking why. I repeated what he had told us back to him, he agreed that was what he said, He kept insisting nothing could be paid back, and then after extreme insistence, and another hold of at least 15 minutes, he came back and told me the charge would be reversed in 3-5 business days, and gave me a confirmation number (not patterned consistently with the normal pattern for credit card transactions). When I pushed for immediate reversal he eventually hung up. I called back. Waited another half-hour on hold. I thought the CSR had the same voice, though a different name (they both had subcontinental accents -- India/Pakistan, I mean). My wife thought the voices different. We received none of the same rigamarole. We were quickly put on hold for another 15 minutes, and offered the same thing with a different confirmation number, though the same pattern as the one before. I think it significant that we were NOT told that our refund had already begun processing and given the same number. Should we not dissuade our bank from making this payment, I do not expect to see this money again. This second call was the one in which the CSR represented to me that the company EBay Success System is formally associated with eBay (I have the name and employee ID number he provided). Aside from the RipOff aspect, I have some additional concerns: 1) Namecheap and Whoisguard are tightly associated with each other, and their active participation in concealing contacts with an organization operating this way seems arguably collaborative and conspiratorial. 2)Thw website designer is WPThemedesigner.com, If this company is completely ignorant of what its client is doing with the work it has produced, it worries me that waht appears to be a little guy trying to make an honest living might unwittingly be caught up in this complicity. 3)Given ALL FOUR (and I re-emphasize ALL FOUR) of the following -- the virtually nefarious method this company has of doing business AND the fact that the large payment involves an international transfer AND that the organization conceals its contacts so thoroughly AND the accents of the alleged eBay Success System CSRs with whom I spoke -- it concerns me where exactly these funds are going, and what the real purpose of the organization might be. I usually think the FCC and FTC should look into these things, but I'm beginning to wonder if it is a matter for Department of Homeland Security. I'm just one victim of of a scam that, my bank charges tell me, funnels at least $40 per victim out of the country. How much is this organization siphoning away for its own purposes?
First Bank of Delaware gives payday loans and the first two loans were great because I was able to pay them off within three weeks of getting my loan. The las time I had some set backs and and this wasn't the case. I borrowed $750 and made first four payments and missed one and then it went south. They began randomly withdrawing money after I expressed that I needed a couple more days. This in turn set me negative and I incurred insufficient fund fees. Do not borrow from them, they will not work with you and it will feel like you're being robbed. It was like they had eyes on my account and as soon as some money was deposited, they would make a withdrawl. I almost had to switch accounts. Thanks to help from family I am now out from under them and ended up paying over $1000 dollars back plus the original $750 and no telling how many NSF fees. Again, do not borrow from them.
they took my money out of my account, they did not havr the right. It was 149.00 dollars. i want it back.
This place is such a rippoff not only due they charge like 300% intrest they ask you to send all your...
10/25/08 Tribute enclosed a return envelope with the wrong address in a recent statement. A letter followed saying to send it to a different address, yet that address was the same one as the return envelope. I did not realize this until after my payments were sent. They now claim they never received my money orders which I had traced showing they cashed them. They call up to 10 times a day and harass me about not making my payments and to pay up because I now have late fees. Late fees for payments that were sent on time and they received but yet they insist they never received. I will no longer send any more payments as none of them are credited and I am just throwing away my money. I believe there are others this is happening to. I believe a class action lawsuit will be the inevitable for them as any customers paying by mail are more than likely in my same situation.
Someone keeps calling and telling me I have been preapproved for a First Bak of Delaware Mastercard. The woman calls nearly every day. I will be notifying the Attorney General and the Delaware Fraud Devision.
An immediate family member received an application several weeks ago from Continental Finance Company, LLC, an affiliate of First Bank of Delaware. I watched him shred the application (as we have taught him to do with most documents for security reasons). He never acknowledged nor applied for the outrageously expensive card. ($200 activation fee for a $300 credit card limit PLUS a $50 service fee and thereafter a $12 per month 'service fee)!
Despite the fact that he never engaged this company, today, in the mail came a invoice from this shyster organization. He has written them a certified letter demanding that they cease and desist from contacting him again and that he has not nor does he intend to apply for their predatory card. He has also contacted the Massachusetts Consumer Protection Commission to make sure they are aware of their fraudulent tactics.
There are many reports on the internet showing these same tactics employed by First Delaware (dba First Continental Finance Company LLC) with others. The card is marketed as a high risk credit card in which those with damaged credit can repair their credit history. Yet the tactical structure of the card is obviously about gouging the last drops of financial blood out of those who can least afford yet another financial problem.
I encourage anyone who has a similar experience with this predator to contact their state consumer protection agency and the banking commission. In a civilized society these rascals would be behind bars not desks.