my name is Pauline Bmante, and i received a letter dated April 22 2012, stating that i could enroll in the second chance program, to lower more affordable monthly payments, the ability to establish a positive payment history, etc...etc.
when asked about this program, was told that it no longer applied to me. wonted payments that i cannot afford.
I am a senior citizen that is no longer working receiving social security only. collector that i talked to started yelling at me, and i
told him i was filling bankruptcy and he called me a Lie. nasty man to deal with.
Statement is never on time, infact I do not even receive them most of the time. I have made $1700.00 plus in payments in the last 5 months over the phone. My balance has gone up over $ 1000.00 with no charges by me. I never received a new card in the mail & it has never been activated. They blame th United States Postal Service? I refuse to pay them any more. I did also file a complaint with the Better Business. They also responded to them that the postal service must be at fault. I feel it just there way of scamming extra penalties & fees.
SST bought my Washington Mutual Card. I already have an account with SSN because they bought my Providian card two years ago. The service is so horrible that as soon as I found out that they took over my WAMU card I paid off the balance.
A month later I received a statement with a $4.00 finance charge. I couldn't believe it. I called them and they explained that the finance charge was back-billed!? The guy threatened to send my account to collections if I don't pay. What make this situation ridiculous is that if I pay online, their online system doesn't except payments that are less than $5.00. If I agree to pay by phone they charge $10.00 to do it.
The only option I have is to mail them this payment that I don't think I even legally owe. Oh, and one more ridiculous thing, if you pay online more than $200, they will hold your payment before crediting your account for 10 days!
Their customer service is rude and it's hard to get to anyone there. The best way to get to SST is to call [protected] and choose the option that says your card was stolen. They will get to right away. Then ask for a transfer to customer service.
For every one else whose account was transfered to SST Card Services Run from this company. Close your account. Don't activate your new card, and just stay away from this dirty company.
Back in April, my First Equity Business Card was transferred over to Deetto (SST Card Services). I started...
I have been living at the same address for 16 years and somehow SST card services cannot get me a statement on time. I get calls that say my payment is late and of course there will be fees or late charges when in fact no statement was sent. Their excuse is the statement was not returned for improper address! What a powerful and irrefutable evidence of their proficiency!
Give me a break, this is the third time it has happened and it always
happens after making a payment way above the minimum! Kind of them not liking accelerated payments because it distorts their rate of expected return on the account.
More of the rampant disregard of the consumer as allowed by our governments permissive attitude toward the finance industry!
They do it because they can!
My husband had a credit card with Providian for years, he was a cardmember in good standing...then they sold his account to SST, interest rates went up, he still had $4000 line of credit. When it was sold he owed about $2100. It took a couple of years, but he completely paid off the card. A couple of months ago, he tried using his card it was denied he has tried several times including today. I went online they say active account...so I called on phone...IIF AFTER YOU PAY OFF THE CARD AND YOU DO NOT USE IT WITHIN THREE MONTHS THEY CLOSE YOUR ACCOUNT...with no notice...guess what you can do nothing about it.
My wife has an account with SST, which I am not on. Today, I called to make a phone payment, and was told by the agent that she could not give me any info on the account. Fair enough, I understand right-to-privacy and such. However, when I asked about a minimum I could make for this month, she wouldn't even give me that info. I asked to speak to a supervisor to make payment arrangements, she puts me on hold, and when she returned, said that since I was not on the account, a supervisor would not speak with me. Gee, and I wanted to give them money. Guess this is their way of running up the tab for their customers.
My WAMU credit card was sold to SST w/out my knowledge/consent. Since then, I've had nothing but problems. Let me first mention that I haven't used the card since SST took the account over.
1. The website (I generally do my banking online) is inadequate and doesn't allow for automatic payment;
2. I get harassing phone messages the day I'm late (because there is not automatic payment available online (like every other account I have), so I've forgotten a few times)
3. The finance charges are outrageous: 29%!!!
4. There is a weird charge called "Balance Tran/Promo Offer" on every bill
Is there anything that can be done about a credit card company selling your account? Are there laws about how much the new company can charge for interest?
Any advice would be great!
My credit card account was sold to SST Card Services well over a year ago. I had one late payment by accident and my percentage rate was raised to 28.99 %. I have been suffering with this for over a year. I have tried twice to get a lower percentage rate and was coldly and flatly refused. This last time 6-9-08 when I asked for help for a lower rate, in order to avoid bankruptcy, I was yelled at and talked to extremely rudely. A man by the name of 'Jamie' was extremely rude and yelled that they dont lower interest rates for any reason. he refused to give information about his company and did not want to give out info on any of his superiors. I was seeking help in a RESPONSIBLE manner and have never been treated so rudely. They obviously could care less about people.
My husband's motorcycle loan is serviced by SST. They had two dates in their computer that the loan payment was due. One was the online automatic payment which was being taken out each month. The other one caused us to get a late payment notice every month even though the payment had already been received by them through automatic deduction from our bank account. It took us over a year, calling every month when a late payment notice came to finally get this cleared up. They were not able to get the second due date in their computer to either get deleted or match the automatic payment date. We talked to numerous employees who always said "this time" they would get it fixed. We've never dealt with a company as inept as this one.
Who is SST Columbus Bank and Trust. They are reporting VERY negatively on my credit report but when I contact them (which is very hard to talk with someone) they can never provide the information I am requesting.
When you do get to talk to someone they are very rude. When they bought my account from Providian (which I did not know happened) I had a balance of $380.00 and Providian was taking automatic payments from my checking account. When the automatic payments stopped I thought it was paid off. Until SST showed up on my credit report. Now SST is reporting that I have a charge off amount of $5, 326.00. HOW in the world did this go from $380.00 to $5, 326.00. I went through my payments to Providian and that is how I found that the balance after my last payment was $380.00.
This company needs to be put out of business and shut down for good. I think that the credit reporting agencies need to remove this company automatically from everyones credit report.
SST card services running their operation with a biggest scam ever. I was a providian customer, and my account sodl to SST. I have not able to my balance to this card in years now. Their whole came seeem to be put my acount int default and they are charging 29.99% for it.
I have request change my due date and person who assured me to do so. They have been still charging me almost 40 dollars late charges because she did not change my billing due date, or notified me.
Supervisor has not returned my calls. I have left 5 messages to her mail box. They have not refund me for my lost, or care to return a call back. I hope to contact better business bureau and put them out of business for all this lies, and fraud.
Account sold by Providian to the CROOKS at yourcard account... I made payments online through my bank in plenty of time before the due dates, and then find out when I get my bill that they didnt get the payment till a week later, somehow, and have charged late fees and increased my interest rate to 32%! Spent a great deal of time with account managers and sent e-mails with no mediation from the corporation... As soon as I am able to transfer this balance, I will... Unfortunately I have to pay this outrageous interest rate for another 6 months or so,until I am able to get a home equity loan... This should be ILLEGAL...
I explained to the customer service that I paid the payment via electronic transfer and that my bank showed it was paid on time. However, when i received my next months statement i noticed that the finance charge had double. At that time I called the customer service and they were very nasty and unhelpful so i closed the account. I also spoke to a supervisor Jamie collector4114 which was also unhelpful the following month. My APR is 31.58%. I was my first time ever with a late payment since I have credit cards and what they are doing is bad for business.
My providian card was sold to SST about 18 months ago. And was in good standing when it was bought my card was in good standings. The first month I had the card there was a charge on the card that was not authorized. They refused to take off the charge and my account has been messed up ever since. As they up over the limit charges and late charges on every month. My balance was $1200.00 when this all started and now I owe them $1834.91. I have tried to close the account but they keep telling me that I can' t close the account until it is paid off. I have been paying regular payments but I don't think I will ever get this card paid off. They call my house every other day telling me how bad this is for my credit, to which I reply what am I suppose to do. They keep telling me to come up with the money to the card back under the credit limit. I don't have it or it would be paid. It should have never gone over the credit limit as I stated earlier it had charges on it that they would not remover nor could they tell me what they were for or what company made the charge. They have done a wonderful job of wrecking my credit.
I remitted payment to SST card services for my monthly payment. I work for my financial institution in the online bill payment department, so I monitored my payment status to them. 2 days prior to the due date, I found they had not received my payment. I immediately contacted them, advised them I would be placing a stop payment on the bill payment, and immediately went on their website and remitted payment. Needless to say they received the online bill payment and presented it to my financial institution for payment, and it was returned. They charged me a $35.00 ret check fee, fine. Then when they debited my account for the online payment, they said it too was returned for nsf, and charged me another $35.00 ret chk fee, however, the item paid. I spent 2 months on the phone with the reps their supervisors, arguing with them, even went as far as to send my bank statement showing them the item paid on the day they presented the item for payment, and yet they still refused to waive the (1) $35.00 fee. Finally, after paying a $200.00+ cell phone bill, I simply gave up and ate the $70.00. Mind you, I have NEVER been late to Providian or even to them, and this is how they treat you. The account is closed, but I have been paying an $850.00 balance for what seems an eternity. They are crooks. I have told them as much many many times.
We had an account with Providian for years, and paid our statements on time each month. We had just paid our April invoice then a very rude man called saying he was from the credit card company - which credit card company. He wanted my husband to make a payment over the phone right then. We never pay anything over the phone when we do not generate the call. Who was this man, which credit card, how could we be late on a payment and need to pay right now.
It took a long time to figure out our account had been sold to this SST card company and they were going to up our interest rate and they were very unkind.They wanted to charge us and extra $20 to take the payment by phone - we could make the payment on line but we would need our account number. We did not have an account number since our welcome letter had not even been mailed out yet. He refused to give me our account number over the phone. We were in a catch 22 - I could not pay online with out the number, he would not give it to me, I would not pay him over the phone.
I got a phone number to call SST back to talk to someone else. I asked them for our account number, same answer. I hung up and called back - I did this some 18 time asking each CST to note my account of the call and request, harassing them as much as they did me. Finally I got a guy who gave me our account number since he noticed I had called numerous times.
I made a payment and quickly found another company to role our balance over to so I would never have to deal with them again. I just received an invoice from SST for 41 cents. It cost them more to print and mail it to me that it is worth.
They are a very bad company with employees who think everyone is guilty of some horrible crime when we don't even know who they are and why they are calling us. Oh yeah, I got the welcome letter after I had paid them off.
I have attempted twice to make payment by phone. Both times my check "didn't clear" However, every other payment for other bills I've paid by check by phone have gone through just fine. When I look at my bank statement, the check was never even run through my bank therefore resulting in a late fee, over the limit fee, $10 check by phone fee and multiple calls every day. I believe this company purposefully does not process checks so they can collect late fees and insufficient check fees. Is there anything I can do? Plz advise smb!
This is the most nefarious credit card ever. They are the most unethical and should be put out of business.
I paid off the card in full at $1297.39.
The next bill was $25.54 which was a finance charge. I called them. Little did I know I was assessed interest 1 month behind! I called them and then had to pay $10 in addition in order to pay in full and close the card otherwise I would have received another bill.
I could not pay on the internet which takes 2 days to process while the phone does not.
None of this was disclosed or in fine print as Providian sold me to them.
This company should be shut down immediately.
I paid in full for $1300. I check my next statement and Surprise! I have a new balance and it is not $0. I called them and they informed me the finance charges are calculated one month behind. How can you ever pay that off! It cost me $10 extra to pay and close the account for a new $25 finance charge after paying $1300 in full to pay it off. I had to pay by check which is how you pay on the internet. However the phone representative informed me that if I paid on the internet it would take 2 days to process and I would be accessed a late fee as well as being charged for the payment. If JPMorgan Chase had any integrity they would shut this company down. eBay and Travelocity are the next on my hit list.