• Report: #90983

Complaint Review: Card Processing Center, Spiegel, FCNB

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  • Submitted: Tue, May 11, 2004
  • Updated: Thu, June 10, 2004

  • Reported By:Owensboro Kentucky
Card Processing Center, Spiegel, FCNB
P.O. Box 9204, Old Bethpage, NY 11804 Or P.O.Box 5811 Hicksville, NY 11802-5811 Old Bethpage Or Hicksville, New York U.S.A.

Card Processing Center, Spiegel, FCNB ripoff,dishonest fraudulent billing, rude and unwilling to work with you on anything. Old Bethpage Or Hicksville New York

*REBUTTAL Individual responds: I was Lied to!!!

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I have seen endless reports about this company and how they have charged these fees. I too am a former customer of Spiegel and I had good standing credit with them until they went bankrupt.

I have already filed a report about this on this site before but I am writing today to ask if anyone has been getting these letters that I have. I got one that demanded payment of all the fee's ect...
Which I might add with all there bogus fees my balance is now well over $1,600. Which makes me ill since I don't feel that I should pay late fees and over the limit fees due to the fact that they stopped billing me and when I mailed my payments in my bill would say min due $15. I would pay $20 and the next month they would have a $35 late fee (???? there wasn't even a due date on the bill it just said pay now) after a few months of this they were charging me $25 min due I would pay $30 and then the next month on the statement would be a $35 late fee and a $35 over the limit fee due to the fact that they were charging me the $35 every month and that put me over the limit.

It was a snowball effect after that. The payment got so high and they were calling me at least 25 to 30 times a day. I would talk to one and then 30 minuets later another would call and I would tell them that I just talked to them and they would say in a very rude way "Well you didn't talk to me and now you are." I would ask for their name and they would tell me that they didn't have to give it to me for security reasons. Yet, they wanted me to trust them with my credit card and checking account information! I knew better then to give them that.

Anyway to make a long story short, I am asking if anyone else has gotten these letters stating that if you don't pay them that "As much as we dislike doing so we may have to resort to litigation" the reason I am asking is that I have been doing my homework and if we can find out if this company is just a collection agency then they are just grasping at straws and no one will ever see them in court.

I noticed that no one else talks about getting any of these letters so I thought I would post this and see if I get any responses from you all.

To date I have gotten two one that stated in very rude (true to their form) plain text stating that if I didn't pay they would sue me and that the IRS has been notified that they have filed a form on me and that I would get a copy in Jan. I have a family member who works with a CPA and she told me what the form was,

it is a form that business's file when they have written off an account for non payment. It is added to their losses for that tax year. I never got a copy and I never paid them what they wanted since it was over $1600 and I don't feel I owe them that much. This second one is much nicer and just asks why I haven't responded to them and that after all the kindness they have shown me (ha ha yea right)they really don't want to but they must hear from me to stop them from maybe going to litigation. Plus the first letter said no exceptions will be made on the amount of the payment. This letter doesn't say how much I have to send just says please make payments payable to Card Processing Center and Mail them to the Hicksville, NY address.

I had that same family member call from the CPA's office and funny how she got through in no time. However, when she asked them who they were and what type of buisness they were the woman wouldn't say she told my family member that she needed an account number to talk to her. After she refused to give her one the woman hung up on her. Hmmmmmm smells like they dont' know who they are or they are afraid that we are all onto who and what they really are and they will never get their money.

So if any of you have gotten these same letters please let me know. That way I don't feel like I am the only one out here and maybe together we can all just refuse these extra fees and shut them down in their little scam.
The really sad thing is that I know that Spiegel has nothing to do with all of this and they had no idea that all thier former customers were going to have to deal with this. They send me stuff all the time including a letter that stated that they were very sorry for all the trouble this has caused.

With the letter was a $25 gift certificate for their store. I threw it away because all the stress this whole thing has caused me I feel like Spiegel let all of us loyal customer down and left us out in the cold. They swept their money problems under the rug and left all of us to pay for their mistake.

T
Owensboro, Kentucky
U.S.A.

Click here to read other Rip Off Reports on First Consumers National Bank FCNB

This report was posted on Ripoff Report on 05/11/2004 09:11 AM and is a permanent record located here: http://www.ripoffreport.com/r/Card-Processing-Center-Spiegel-FCNB/Old-Bethpage-Or-Hicksville-New-York-11802-5811/Card-Processing-Center-Spiegel-FCNB-ripoffdishonest-fraudulent-billing-rude-and-unwill-90983. 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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#1 REBUTTAL Individual responds

I was Lied to!!!

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

I had an account with newport news, and just one day out of the blue I went to charge something, and they told me I could no longer use my card, that the company, no longer exist.....i was never sent anything in writting,never informed of the closing.... and then the next thing I knew I was getting phone calls everyday from this company, Card Processing Center, harashing me about my bill, and I told them to explain to me what was going on........they procedded to be really nasty......so then I go to the bank to borrow money, and my personal banker tells me that their is something on my credit report that I need to take care of, and I said ...What is it, and he proceeds to tell me about this company reporting to the credit bureau......so I call and ask them what I need to do, they said pay the amount, so I did, and they would fax a copy to my banker stating that the account was currect, and after I sent it to the Better Business Bureau, they dropped all of those high crazy fees, and today, has been 2 days since the check clearned my bank, but there has been no fax to my banker, and when I called the card processing phone # listed, they would not give me another number to call, said it was only for making payment, that the Old Bethpage, NY offce has no phone there....can you believe that......no phone.....so they have lied to me, and there is no one for me to talk to about it, the first customer person hung up on me when I ask to speak to his boss, so I called back, and then they said that their boss couldn't do anything about it either.

this company is a total rip-off, and they will pay.

thank you,
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