- Report: #82636
Report - Rebuttal - Arbitrate
Complaint Review: Aspire Card Services
Aspire Card ServicesP.O. Box 105555 Atlanta, Georgia U.S.A.
Aspire Card Services Unscrupulous, Low-Life, Ignorant Thieves Atlanta Georgia
*Consumer Comment: Providian is still in business.
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I was recalled on Active duty with the Coast Guard in October 2003. Under the SSCR(Soldiers and Sailor Civil Relief Act), I am entitled to have the 28.24% interest rate with Aspire lowered to 6%. This is the law. They became angry when I attempted to exercise this right and made a request for this. They delayed several months in lowering my interest by saying they never received the 2 letter of requests I sent them. Couldn't get anything but frustration from the "illiterate" idiots who manned the Customer service lines. When "ASSpire", oops, I mean Aspire finally decided to conform to the "law" they sent a letter saying they would adjust account and lower to 6%. In my frustration to get their attention, I sent them a $10 payment. That really pissed them off because they immediately sent a nasty message in my bill stating: "Because of a late payment, your special, lower annual percentage rate has been discontinued. Your account has been returned to its original rate terms. Your account is past due $42.00. Failure to pay may result in revocation of your charging privileges".
They immediately started a smear campaign. They were calling me at work and at home. They placed a derogatory statement regarding me in the credit bureau. I sent them a nasty letter demanding that they cease and desist from calling me. I think it worked because I have not received any calls in a couple of days. To solidify my determination to beat them at their own game, I finally turned the matter over to the legal department of the Coast Guard because they are definitely breaking the law.
I have made payments to protect myself although they are not the minimum. This has pissed them off to no end. I informed them that my account is under "dispute" and I will not make any payments more than $10 until my account is adjusted and the interest is reduced to 6%. I want them to take me to court.
I also want to spread the word on them as much as possible and am in the process of deteriming whether or not they can be sued.
I personally will contact the regulatory federal agency Aspire falls under. The FTC told me they could not handle this but provided me with a list of agencies who would possibly handle them. I'm busy at work and just haven't had the time to research what agency to contact.
I would also like to rally folks who have problems with these people and maybe get something going in the line of a "class action" suit.
I hope this info helps and that it will prompt us to do more....together and take these X*&%?'s down.
Hang in there all!
This report was posted on Ripoff Report on 03/03/2004 09:08 AM and is a permanent record located here: http://www.ripoffreport.com/r/Aspire-Card-Services/Atlanta-Georgia-30348-5555/Aspire-Card-Services-Unscrupulous-Low-Life-Ignorant-Thieves-Atlanta-Georgia-82636. 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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