I to am one of the Providian customers that was converted over. My account was not switched until March of this year. I received a new card without any additional information. I had my providian setup with online payments and when I went to check the providian account told me to go to this Youraccountonline.com, so I went there followed directions and got lost. I made a payment on this new site and low and behold the next day when I checked and called the company it was not there. The guys walked me through it and I made my payment. The next month I see a late payment fee, (the payment was made the next day) when I called them I got the same we will investigate thing. So I went on May, June, July WHAM!!! I see my interest rate went up to 32%, so I called and they told me that was because of the late payment in March and my account went over limit in July (once they applied this horrendous rate and that I can kiss my... because they are not going to do anything. Also when it showed that I went over limit 2 days later I made a payment that was 2 times the amount of the minimum due, not to mention I do this twice a month so I am paying 4 times the amount. so Blah blah blah it was in your disclosure statement that we sent out to you, when I told them I never got anything other than the card Shiloh (manager by the way) said she would gladly send me out the disclosure statement. But would not update my account. If anyone wishes to pursue this in a class action suit COUNT ME IN!!!
I paid them off in full and they said that the funds were NSF, I have proof of canceled check front and back, and they will not credit my account and just keep adding all kinds of charges and making calls, day, night and at work... I would like to join that class action suit if someone can put my name in the hat on that... and it was great with Providian but this company is a nightmare...
My husband and I both HAD a WAMU and Providian credit card that were sold to SST Card Services. Now, the company calls us saying our accounts are over due and over the limit. They blame WAMU and Providian for "keeping poor records" and "it's is their fault that the fees are now due." I asked them about fees on my Providian and the woman at SST admitted that was SST's mistake but yet I am still responsible for paying the fees! I canceled the WAMU card and now they call me daily and harass me about paying a small past due amount. They never sent new cards when asked, bill statements, notices of change, etc. I NEVER missed a payment before this so-called company took over. I can't believe the number of sites that can be found online concerning SST's negative and unethical practices. BEWARE if your card is sold to SST!
My account was bought from WAMU to SST Card Services in April 07. To date all I received was a welcome letter and a collection letter. I had been with Providian for 3 years then WAMU bought my account last year sometime before Christmas then sold it in April to SST. In the 4 years of the open account I paid more than the minimum and never late. Now, SST never sent me any statements. I called and spoke to several different customer service reps most of them were very rude to me. I asked for statements or something so that I could know where to send my payment and stuff. They deliberately held my account over 30 days and charged me $39.00 late fee which put me over the limit and a $35.00 over limit fee. then raised my APR because I was in default. I started out with a 15.35% now it is like 30% BEWARE OF SST. I have spent over 7 hours on the phone with them and they do not keep records of it. They ask you to prove when the last time you called in. Don't use a land line it is a 800 number and you must use your cell phone to have proof of your calls. I would love to see a class action against the two companies for fraudulent charges and not sending out billing statements to make accounts default to higher percentage rates.
I, too, used to have a WAMU card. Ever since SST took over servicing the account for Columbia Bank & Trust who bought the account, I have had nothing but trouble. Today I attempted to use the card and it was declined. When I called to find out why, I could not access my account. After twenty minutes and four phone calls to try to get a person (there is no such option... Just don't press any buttons and eventually someone will come on the line), I was told I had never activated my new card, which is preposterous since I have used the new card. These people are rude, unconcerned and downright stupid. If your credit card is taken over by SST, I recommend paying it off and closing the account.
I did not authorize SST to withdraw $84.00 from my bank account and last week I discovered my account overdrawn by about $36.00. I used to have Washington Mutual Visa and then it changed to SST about two weeks ago. I have since addressed this issue with my bank and it is under investigation.
This company has seemingly broken an amount or laws be defrauding many people with their unlawful billing...