Card Processing Center is in violation of various sections of Title VIII - Debt Collection Practices Act of the FTC. I am filing a claim on today.
In the summer of 2003, I called FCNB to inquire about my account. The representative told me to "stop sending payments because in a few days FCNB would no longer be in existence". I did not know what to do. Months later, I received a call from Card Processing Center - they told me that my account was "past due". I explained my conversation with FCNB and the representative told me "you can't listen to what they are saying, they have lawsuits everywhere".
I scheduled a monthly payment with Card Processing Center. The amount was to be deducted out of my checking account each month. All was fine until December 2003 - they deducted twice in one month. I called and asked for the other amount to be reimbursed. The representative became hostile - she screamed at me and stated that I owed more than that amount and hung up on me. They tried to take out more money within a 2 week timeframe. Luckily, I previously informed my bank and my account was noted. I had to close my checking account and open a new account.
The representative called me back and asked if I would give her my checking account information again. I told her no and reminded her of what happened to my account the last time. I also advised that I had never received a monthly statement - I asked if she would send me one before I submit another payment. She stated that because my account was in the "Recovery Unit" she could not send me a statement. She asked for my account information again...she became very upset and stated that - Card Processing Center would not take any payments sent via "mail", but could only take electronic (check) payments. I asked to speak to her manager. She told me that she was the only person handling my account and hung up on me.
I called back with a witness on the line with me and asked to speak with a manager. They transferred my call back to the same lady - she called me stupid and immature and hung up on me. I called back advised that I was recording the call and that I had someone on the line with me - the representative started speaking in a "strange language" and hung up on me. I called back and they told me that if I was recording the call that they would not speak with me and they hung up on me again. Moments later, I received harassing phone calls every couple of minutes from their office. I was so upset.
Months passed and the representative called me back, apologized for her behavior and stated that she would accept my payment per month. I advised her that I would need a statement each month and that I would be sending my payments via "mail". She stated that she was fine with the arrangement.
On today, I received a call from a man. He stated that my payments were no longer acceptable and that I would need to increase my monthly payment. I advised him of my agreement - he disregarded it and stated that he would be sending my account somewhere else. I advised him that I would be taking action. I called 866-210-9497 and asked to speak to a manager - they transferred me to a voicemail. I left the message.
At this point, I am going all the way - there has to be help somewhere. To be harassed time and time again is totally unacceptable!