• Report: #307753

Complaint Review: ASPIRE CARD

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  • Submitted: Sun, February 10, 2008
  • Updated: Thu, February 14, 2008

  • Reported By:Canton Illinois
ASPIRE CARD
aspirecard.com Internet U.S.A.

ASPIRE CARD Is New York The Only State To File Class Action Filed Against Them? Charge unbelievable rates, charges, rates and interest Atlanta Internet

*Consumer Suggestion: Comments/advice

*Consumer Suggestion: Comments/advice

*Consumer Suggestion: Comments/advice

*Consumer Suggestion: Comments/advice

*Consumer Comment: RE:

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There are 300 plus reports on ASPIRE on this forum. I have been trying to pay back the same $ 2,500. for as long as I can remember. I have written, spoken and anything I can think of they will not work with anyone. They will ruin anyone who wants to do anything but pay whatever they wish to charge this month. I try to pay $ 100. a month so I can get it paid off and they end up chatges me 35-59 dollars a month in extra charges even though I pay on a 20 day cycle. I just want to join in a productive counter-measure. I saw on-line where the people of New York filed a successful class action in 2006. I do not know why I cannot seem to interst the Illinois Attorney General's Office in doing the same for our citizens but if I had enough folks with me they will. Please email me if you are from Illinois and willing to file a class action. (((email redacted)))

Jim arrington
Canton, Illinois
U.S.A.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

This report was posted on Ripoff Report on 02/10/2008 08:52 AM and is a permanent record located here: http://www.ripoffreport.com/r/ASPIRE-CARD/internet/ASPIRE-CARD-Is-New-York-The-Only-State-To-File-Class-Action-Filed-Against-Them-Charge-unb-307753. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Comments/advice

AUTHOR: Tim - (U.S.A.)

Aspire, if that is actually the company, is awful. I say "if that is actually the company" because I think "Aspire" is just the name of the card, which is issued by a company with a different name.

The previous rebuttal has it right on the money. You are now trapped in a vicous circle. Since you are over the limit, even as you make payments each month, you will still get hit with over the limit penalties AND late payment charges. All that in addition to the huge interest rate.

I get solicitations from Aspire all the time. They state that I have been pre-approved for a credit line of up to $1500. When you read the fine print, you find that you will actually get a card with a $300 limit and, by the time you actually get the card, it already has $180 in miscellaneous fees reflected on your balance.

Now these offers make a direct route from my mailbox to my trash can.

As regards your recourse, I would advise ditching the class action idea. First, it's not really clear whether a law has actually been broken. Unfortunately, as stated by the previous rebuttalist, these companies are lining the pocket-books of our lawmakers. Second, class actions take a very long time, and benefit the attorneys far more than the consumers.

I would advise you to consult with an attorney to see if you have any recourse and, if so, whether it would be cost-effective to pursue any remdies.

Best of luck!
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#2 Consumer Suggestion

Comments/advice

AUTHOR: Tim - (U.S.A.)

Aspire, if that is actually the company, is awful. I say "if that is actually the company" because I think "Aspire" is just the name of the card, which is issued by a company with a different name.

The previous rebuttal has it right on the money. You are now trapped in a vicous circle. Since you are over the limit, even as you make payments each month, you will still get hit with over the limit penalties AND late payment charges. All that in addition to the huge interest rate.

I get solicitations from Aspire all the time. They state that I have been pre-approved for a credit line of up to $1500. When you read the fine print, you find that you will actually get a card with a $300 limit and, by the time you actually get the card, it already has $180 in miscellaneous fees reflected on your balance.

Now these offers make a direct route from my mailbox to my trash can.

As regards your recourse, I would advise ditching the class action idea. First, it's not really clear whether a law has actually been broken. Unfortunately, as stated by the previous rebuttalist, these companies are lining the pocket-books of our lawmakers. Second, class actions take a very long time, and benefit the attorneys far more than the consumers.

I would advise you to consult with an attorney to see if you have any recourse and, if so, whether it would be cost-effective to pursue any remdies.

Best of luck!
Respond to this report!
What's this?

#3 Consumer Suggestion

Comments/advice

AUTHOR: Tim - (U.S.A.)

Aspire, if that is actually the company, is awful. I say "if that is actually the company" because I think "Aspire" is just the name of the card, which is issued by a company with a different name.

The previous rebuttal has it right on the money. You are now trapped in a vicous circle. Since you are over the limit, even as you make payments each month, you will still get hit with over the limit penalties AND late payment charges. All that in addition to the huge interest rate.

I get solicitations from Aspire all the time. They state that I have been pre-approved for a credit line of up to $1500. When you read the fine print, you find that you will actually get a card with a $300 limit and, by the time you actually get the card, it already has $180 in miscellaneous fees reflected on your balance.

Now these offers make a direct route from my mailbox to my trash can.

As regards your recourse, I would advise ditching the class action idea. First, it's not really clear whether a law has actually been broken. Unfortunately, as stated by the previous rebuttalist, these companies are lining the pocket-books of our lawmakers. Second, class actions take a very long time, and benefit the attorneys far more than the consumers.

I would advise you to consult with an attorney to see if you have any recourse and, if so, whether it would be cost-effective to pursue any remdies.

Best of luck!
Respond to this report!
What's this?

#4 Consumer Suggestion

Comments/advice

AUTHOR: Tim - (U.S.A.)

Aspire, if that is actually the company, is awful. I say "if that is actually the company" because I think "Aspire" is just the name of the card, which is issued by a company with a different name.

The previous rebuttal has it right on the money. You are now trapped in a vicous circle. Since you are over the limit, even as you make payments each month, you will still get hit with over the limit penalties AND late payment charges. All that in addition to the huge interest rate.

I get solicitations from Aspire all the time. They state that I have been pre-approved for a credit line of up to $1500. When you read the fine print, you find that you will actually get a card with a $300 limit and, by the time you actually get the card, it already has $180 in miscellaneous fees reflected on your balance.

Now these offers make a direct route from my mailbox to my trash can.

As regards your recourse, I would advise ditching the class action idea. First, it's not really clear whether a law has actually been broken. Unfortunately, as stated by the previous rebuttalist, these companies are lining the pocket-books of our lawmakers. Second, class actions take a very long time, and benefit the attorneys far more than the consumers.

I would advise you to consult with an attorney to see if you have any recourse and, if so, whether it would be cost-effective to pursue any remdies.

Best of luck!
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#5 Consumer Comment

RE:

AUTHOR: John - (U.S.A.)

You don't understand their game....Aspire is a card designed around deliberately making you fail...They don't want to work with you.....Aspire makes its money off of late fees and over the limit fees....It's not in their interest to help you out of this situation....The longer they can make you go with real (or more likey bogus) late (and other fees)...the more money they make.

Aspire caters to the poor and/or people with poor credit....Wealthy people do not get Aspire Visa cards.....Our government is now a tool for the wealthy and corporate elites...The credit card industry was the #1 contributor to George W. Bush...even more than big oil and gas....In return for these contributions...the credit card industry is allowed to write its own rules....Aspire is a a refection of this environment. The federal government doesn't care if "little people" are being screwed by Aspire....However, there are a few functioning government entities at the state level.....New York state is one of them and the Attorney General of NY took action against Aspire.

What you CAN do:
Photocopy every billing statement you get from them. Send all payments via Registered Mail with Return Receipt...This will cost $3 each time....You will receive a green-colored notification from the letter carrier showing the exact date that Aspire received your payment.

If your next state shows late payment penalties...this would put Aspire in a bad situation...in essence they would be alleging that the signed receipt from the letter carrier is fraudulent... If they assess late fees against you after your paid using Registered Mail with Return receipt proving that your payment was received on time, send a registered letter to Aspire that you will be filing fraud changes with the poster master general of your state and that you can prove this with the return receipt. This should solve the problem.
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