I need to find the correct agency or persons in charge of credit card company that is stealing my money month to month and even causing overdrafts and charging late fees for a debt that was paid to My Imagine Credit Card before they switched over to Tribute. Upon speaking with someone in that organization when this happened how many years ago, to keep my credit from getting worse i keep paying and I can't understand why this can continue to go on paying and paying for an account that was paid for in full. How do I find out who is in charge of the credit card companies and where do I send my paperwork which includes the cancelled check in full to My Imagine Credit card and get all my money back fees, late charges, every single dime i paid them and did not owe them.
I want to know since the company cancelled my credit card and I called to inquire about it no one could give me a reason but yet each month I amd getting charged ad $10.00 monthly maintence fee. I was never late with any of my payments so how can I restore my credit when this company cancelled the card for no reason, my payments were made on time because I always made them online and they continue to charge me services as if I am still utilizing the card?
If there is a class action lawsuit against this company where would I find the information because this seems to constitute as unfair practices.
My original account was with Imagine credit card. Imagine sold my account to Tribute, who in turn proceeded to close it. They continue to add ridiculous maintenace fees to this account, which is closed, therefore, why maintenance fees?? This company, I've noticed has done this to many others.
My account with Imagine was active for 4 or 5 years, and I had been late, MAYBE, two or three times in those years. I don't understand how they continue to get away with this. I thought my account was in pretty good standing. When I review my credit report, there is no negative feedback from this account. I don't get it!
This is ridiculous - I have always over paid my account and have NEVER been late - but they closed my account as a "Management Decision". This stinks, I have been working hard to bring up my scores and then they do this. Not only did they close my account without notice but they closed my account just 4 days after charging me a $100.00 annual fee. Oh, they did credit back $25.00 for the cancellation. Well, that is not satisfactory to me - they need to credit back the whole amount. I don't even know if I should pay my remaining balance. Anyone know of a class action law suit or what we can do about this?
I had the misfortune of receiving a tribute credit card I cant understand how they can cancel out my card and still be charging me a monthly account maintenance fee of 9.95.Also they are the ones that cancelled the card I guess that was a good thing for me .I had the misfortune of being in the hospital and was late making my payment I have been socked with late fees and they upped my interest rate so high I dont know how im going to be able to afford this.What really upsets me is I had disability insurance in this card and was cancelled when they cancelled card I am going to be out of work for indefinite period.What a scam this card company is and the cIIalls are nonstop with them.Thak god they are no longer in business.Is anyone looking into the practices of this card if not who can I get in touch with.
They cancelled my account without any notification. I have never even made a late payment They continue to...
I am glad to know I am not the only one complaining about Tribute - I am filing an official complaint with the FCBA.
I pay my bill online at their website and go by the due dates. My card was cancelled due to $47.01 past due. I NEVER received a statement that there was a past due amount. Also, their website never indicated to me there was a past due amount. I have been paying mostly MORE than minimum payment due. They claimed that I had a closing date of 1/2/09. I printed my online statement. It states my closing date is 1/6/09 with a payment due date of 1/31/09. It also states there's a $47.01 past due amount something of which I was not made aware of and still can't figure out how they came up with that amount.
I have other credit cards in my wallet that are happy to have me the consumer. The bank is First Bank of Delaware that issues the Tribute Mastercard. If anyone else is having problems, you can send a letter to Card Services, P.O. BOX 105555, Atlanta, GA [protected]. By the way, when you call their call center you get someone from South Asia.
OBAMA - we need the outsourced jobs BACK IN AMERICA!! I could barely understand a word the 2 agents were saying and of course, they state that Tribute's complaint is valid.
11 days - they stated I was 11 days late when I was following all the dates on their website.
i am glad to know that i am not the only one who had their card cancelled. i signed up to have my payment taken out of my checking account. when i signed up, i left a number out of my account number by mistake. as soon as i realized what i had done, i tried to fix it, but it was too late. i paid the payment on line as soon as i knew that the bank was not going to catch the mistake and cover it. less than one week after the payment should have been received i paid it, paid the following month, and wrote to the company explaining why this happened via e-mail and through the mail. too bad! they say that i broke my contract with them by not paying the bill on time. well, i have several other credit cards in my wallet, and they don't mind that they no longer have to share my business with tribute!!
I received my tribute card about 8 months ago. I paid faithfully and always paid several hundred dollars more than what was due. My worked my credit limit up from $300.00 to $600.00 and was hoping to continue that trend. My made my payment this last month, amount due was $40.00 and I paid $405.00, however after five days they still had not posted the available credit to my account. I called them and learned that they had closed my account. When I asked why the account was closed, I was advised it was because I was over the limit. That is crazy because I have been over the limit once before and all they do is charge you a fee. All credit cards charge a fee for being over the limit. I asked why I was not advised in writing or via telephone that my account was closed and the person working for Tribute had no answer to that. I wanted to speak with someone else regarding this matter however I was advised to pay the card in full and reapply. No way!!! If I reapply, I will owe the 'start up' fees again and my credit limit will be minimal again.. There is no way that I will ever apply for tribute again. I had hoped to rebuild my credit after a divorce however I will not be doing it with the assistance of Tribute. I am not sure why the card was suddenly canceled but I hope that this is not a common practice with Tribute. Any one else have this same problem? Please let me know.
Lots of Tribute cardholders are suddenly complaining that they are having their accounts canceled for bogus reasons. My own account was canceled today because they said I was 2 days late on my payment. I have never been late, never been over limit. My payment was mailed 10 days in advance of the due date.
There are TONS of people complaining about the same treatment all of a sudden on the web. There are also posts by insiders claiming that Tribute is going down the tubes and looking for any reason possible to close accounts.
If you have a Tribute account, be forewarned! It isn't going to be around long.
I purchased the "Cardsafe" disability insurance, and unfortunately had to use it...it was in effect until the annual fee was due. Even though "CardSafe" is purchased to hold off those fees until I was released back to work... I had sent a Physician's claim form in on 8/20/08... received a letter on 8/28/08 stating that I was approved on 8/28/08, which stated " Your request has been approved! Your obligations to make minimum payments has been deferred for 1 month. Then it says: While your obligation to make minimum payments has been deferred, any applicable fees including "CardSafe Product fees, over limit fees, late fees, annual fees, or other account fees will continue to be charged and finance charges will accrue on your account during the activation period. What the heck does the purchased protection protect? Then on 9/20/08 I receive a notice from Tribute stating that because my card had gone over the limit by 79.00, the card has been terminated and the full balance is now due. (incidentally, I had sent two payments to Tribute in August, just to help reduce the balance).
I call and get a older Spanish lady who does not understand English very well, and every time I asked a question or informed her of anything, or actually just said anything... she responded "your balance on your account is 579.00... please send in payment!" If anyone has any ideas I would greatly appreciate it, as my credit is just about ironed out after an tough point in 2001 that caused some bad entries on my credit report.