• Report: #395046

Complaint Review: Aspire Card

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  • Submitted: Tue, November 25, 2008
  • Updated: Thu, May 26, 2011

  • Reported By:Upper Marlboro Maryland
Aspire Card
aspirecard.com Atlanta, Georgia U.S.A.

Aspire Card fraudulent practices, out of contract, unwilling customer service, down right illegal Atlanta Georgia

*Consumer Comment: aspire card

*Consumer Comment: I am in the same bost

*Consumer Comment: THAT MAKES 2 OF US THERE RIPPING OFF-IAM SURE THERE WILL BE THOUSANDS MORE

*Consumer Comment: THAT MAKES 2 OF US THERE RIPPING OFF-IAM SURE THERE WILL BE THOUSANDS MORE

*Consumer Comment: THAT MAKES 2 OF US THERE RIPPING OFF-IAM SURE THERE WILL BE THOUSANDS MORE

*Consumer Comment: THAT MAKES 2 OF US THERE RIPPING OFF-IAM SURE THERE WILL BE THOUSANDS MORE

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I have been with Aspire for 4 years. Recently I was making a purchases only when I slid my card, it came back declined. The clerk told me that maybe because the card was expired. I looked at my card and to my surprise, the card had expired in August 2008. It was approaching November and I couldn't figure out why I had not received a new card.

I called Aspire and like everyone else who has complained on Rip Off Report, was connected to a less-than-perfect English speaking individual. I was told that my account was not closed, but it was discontiued and that Aspire was no more. The representative said that I would not receive another card but invited me to apply for another one. For what??; that's what I asked the rep. I had already been approved 4 years ago. The rep just kept repeating that I would receive "correspondence" in the mail and to wait for it.

I finally received the "correspondence" in the mail which told me nothing. I called again only to be told the same thing as before. I'm dizzy at this point. After talking to the robotic human, I request to speak to a supervisor. The supervisor gets on the line only to be more robotic than the rep. She told me that a manager decided that I didn't need to enjoy any more card privileges so it was cancelled.

They managed to charge my card an $100.00 annual fee although my card had expired the same month. I asked the supervisor where iwas the literature that said they would review my card when it expires and if they felt that they didn't want to business with the consumer anymore they could cancel services without any cause. I told them that they were out of contract for what they were doing and I am sure that legally, this was not a fair practice.

She did nothing to help me. I have emailed them (numerous times) and spoken to them. I still haven't gotten anywhere. I asked the supervisor for a corporate address. She told me that she did not have that information and could only provide a correspondence address (PO Box.)

Aspire makes it clear that they do not care about their customers and aide in helping destroy credit instead of helping rebuild it.

I would like to either join or start a class action law suit against this unfair business practicing company. If anyone knows anything about class action law suits and have the same issues (which I see a lot here) please let me know. I live in MD, but I don't think that you need to be in the same state to join a class action law suit.

D
Upper Marlboro, Maryland
U.S.A.

This report was posted on Ripoff Report on 11/25/2008 03:22 PM and is a permanent record located here: http://www.ripoffreport.com/r/Aspire-Card/Atlanta-Georgia-30348/Aspire-Card-fraudulent-practices-out-of-contract-unwilling-customer-service-down-right-395046. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 6Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

aspire card

AUTHOR: RICHARD - (United States of America)

my card was also declined in the similar situation. and now i just received a collection agency report that i am being sued by a collection agency when asked to confirm this the agency said it is ur account and neds to be paid. when i called the apsire company they said they cancelled my card and any fees should be paid but this was a few years ago and it never showed up on my reports but now it has and they are charging fees and all kinds of things to me.an account that started out at $150.00 is now at 6700.00 and they want the money. this company needs to be sued in return for poor customer relations.
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#2 Consumer Comment

I am in the same bost

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

I have been a Aspire customer for 4 years now. My inital credit limit was the crappy 350 and it was raised to 1100. I always paid my bill and made my payments. In Nov my card expired but they sent me a new card and increased my limit 900 to 1100, and they charged me my annual fee. In Decemeber I received a letter stating that my account was being closed as of midnight on 12/24/08 but please feel free to to charge until that time. I could not get a straight answer on to why my account was closed.

My account was closed with a balance and then they raised the interest rate to a huge amount because there was still a balanceand the account was closed. When I called they stated I could apply for a new card. I am glad I am not the only one in this nightmare.

I understand that they are a company and they have the right to closed my account. My thing is that I did not do anything wrong and now it is effecting my credit score. It is messing up the amount of available credit used.
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#3 Consumer Comment

THAT MAKES 2 OF US THERE RIPPING OFF-IAM SURE THERE WILL BE THOUSANDS MORE

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

in december 2008 i went to use my aspire card knowing theres no balance on it except for the $100.00 anual fee that i had been billed for in october and paid it yees if your wondering i am one of those guys with not so perfect credit but i had manneged to go from a 300 credit limit ti 1100 limit by using it ocationaly then paying off the balance . in december i thought it a good time to use it as i was buying a gift from the internet for 40 dollars when i was finishing the trans action it came up declined i looked at the card carefully and say it was expired in september but they never sent a new one ---i called them and explained that they hadnt either sent one or it got lost in the mail they explianed to me in a very broken english voice that they were completly closing the card service down it had nothing me ,my credit rating , or paying my bill i was shocked but thought well nothing i could do so i ask them about a refund on my $100 anual fee--they said it would be prorated back to me and that did i want to cancel the card???????????
i thought they allready did that?????????? they said so i could get back any remaining balance due to me so i said i have no choice just send me my money...
i called them back 12-31-08 to check on the statice of my money since its the end of the month the flumbling voice again asked if i wanted to close my account again ---my jaw dropped---i said yes just as i did at the beggining of the month and now a new billing cycle so now they just prorated it down further SOUNDS LIKE YOU HAVE GOING THROUGH THE SAME PROBLEM AS ME SO JUST COUNT ONIN NEVER SEEING YOUR MONEY AGAIN UNLESS THERES SOME ONE THAT CAN HELP I WOULD SURE LIKE TO KNOW JIM
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#4 Consumer Comment

THAT MAKES 2 OF US THERE RIPPING OFF-IAM SURE THERE WILL BE THOUSANDS MORE

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

in december 2008 i went to use my aspire card knowing theres no balance on it except for the $100.00 anual fee that i had been billed for in october and paid it yees if your wondering i am one of those guys with not so perfect credit but i had manneged to go from a 300 credit limit ti 1100 limit by using it ocationaly then paying off the balance . in december i thought it a good time to use it as i was buying a gift from the internet for 40 dollars when i was finishing the trans action it came up declined i looked at the card carefully and say it was expired in september but they never sent a new one ---i called them and explained that they hadnt either sent one or it got lost in the mail they explianed to me in a very broken english voice that they were completly closing the card service down it had nothing me ,my credit rating , or paying my bill i was shocked but thought well nothing i could do so i ask them about a refund on my $100 anual fee--they said it would be prorated back to me and that did i want to cancel the card???????????
i thought they allready did that?????????? they said so i could get back any remaining balance due to me so i said i have no choice just send me my money...
i called them back 12-31-08 to check on the statice of my money since its the end of the month the flumbling voice again asked if i wanted to close my account again ---my jaw dropped---i said yes just as i did at the beggining of the month and now a new billing cycle so now they just prorated it down further SOUNDS LIKE YOU HAVE GOING THROUGH THE SAME PROBLEM AS ME SO JUST COUNT ONIN NEVER SEEING YOUR MONEY AGAIN UNLESS THERES SOME ONE THAT CAN HELP I WOULD SURE LIKE TO KNOW JIM
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#5 Consumer Comment

THAT MAKES 2 OF US THERE RIPPING OFF-IAM SURE THERE WILL BE THOUSANDS MORE

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

in december 2008 i went to use my aspire card knowing theres no balance on it except for the $100.00 anual fee that i had been billed for in october and paid it yees if your wondering i am one of those guys with not so perfect credit but i had manneged to go from a 300 credit limit ti 1100 limit by using it ocationaly then paying off the balance . in december i thought it a good time to use it as i was buying a gift from the internet for 40 dollars when i was finishing the trans action it came up declined i looked at the card carefully and say it was expired in september but they never sent a new one ---i called them and explained that they hadnt either sent one or it got lost in the mail they explianed to me in a very broken english voice that they were completly closing the card service down it had nothing me ,my credit rating , or paying my bill i was shocked but thought well nothing i could do so i ask them about a refund on my $100 anual fee--they said it would be prorated back to me and that did i want to cancel the card???????????
i thought they allready did that?????????? they said so i could get back any remaining balance due to me so i said i have no choice just send me my money...
i called them back 12-31-08 to check on the statice of my money since its the end of the month the flumbling voice again asked if i wanted to close my account again ---my jaw dropped---i said yes just as i did at the beggining of the month and now a new billing cycle so now they just prorated it down further SOUNDS LIKE YOU HAVE GOING THROUGH THE SAME PROBLEM AS ME SO JUST COUNT ONIN NEVER SEEING YOUR MONEY AGAIN UNLESS THERES SOME ONE THAT CAN HELP I WOULD SURE LIKE TO KNOW JIM
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#6 Consumer Comment

THAT MAKES 2 OF US THERE RIPPING OFF-IAM SURE THERE WILL BE THOUSANDS MORE

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

in december 2008 i went to use my aspire card knowing theres no balance on it except for the $100.00 anual fee that i had been billed for in october and paid it yees if your wondering i am one of those guys with not so perfect credit but i had manneged to go from a 300 credit limit ti 1100 limit by using it ocationaly then paying off the balance . in december i thought it a good time to use it as i was buying a gift from the internet for 40 dollars when i was finishing the trans action it came up declined i looked at the card carefully and say it was expired in september but they never sent a new one ---i called them and explained that they hadnt either sent one or it got lost in the mail they explianed to me in a very broken english voice that they were completly closing the card service down it had nothing me ,my credit rating , or paying my bill i was shocked but thought well nothing i could do so i ask them about a refund on my $100 anual fee--they said it would be prorated back to me and that did i want to cancel the card???????????
i thought they allready did that?????????? they said so i could get back any remaining balance due to me so i said i have no choice just send me my money...
i called them back 12-31-08 to check on the statice of my money since its the end of the month the flumbling voice again asked if i wanted to close my account again ---my jaw dropped---i said yes just as i did at the beggining of the month and now a new billing cycle so now they just prorated it down further SOUNDS LIKE YOU HAVE GOING THROUGH THE SAME PROBLEM AS ME SO JUST COUNT ONIN NEVER SEEING YOUR MONEY AGAIN UNLESS THERES SOME ONE THAT CAN HELP I WOULD SURE LIKE TO KNOW JIM
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