• Report: #547695

Complaint Review: Plains Commerce Bank Total Visa

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Wed, December 30, 2009
  • Updated: Wed, December 30, 2009

  • Reported By: Kellamy — wilmington North Carolina United States of America
Plains Commerce Bank Total Visa
Sioux Falls, South Dakota United States of America

Plains Commerce Bank Total Visa Charges Ridiculous Fees Sioux Falls, South Dakota

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

I've had minor annoyances with this company since I first got their Total Visa card in the spring or summer of 2009. (It is now December 2009). First, they are very hard to get a hold of. You have to contact one company for your card information, another for your payments to the card, and their website is always under maintenance.


Nowhere when I signed up for the card did I see anything about a "monthly membership fee". The first several months, I wasn't charged one, then it was almost like they were trying to slide it in unnoticed. Now I'm stuck with an $8 monthly fee, on top of finance charges.


When I tried to make a payment last month, their site reported an error message so I had to call them. I explained I needed to make my payment online that day, and they said they had issued me a new card. I told them I never received it and they said they would send another one. In the meantime, they took my payment over the phone.


Today, same scenario- error message on the website, called them, said they'd sent out a new card. When I told her I'd never received a new card, she highly doubted me and kept questioning and explaining how "other people said they didn't get theirs then they found it later."  I assured her repeatedly I'd never gotten a new card. Today was my deadline date, so I needed to make the payment. She informed me they could no longer post a payment to the card in my possession because it was no longer valid since they'd "sent me a new card" and I hadn't called them to report that I hadn't received it. What?? So my only option, if I didn't want to pay a $35 late fee, was to make the payment over the phone to the tune of a $7.95 phone charge. I argued to the best of my ability but she kept insisting the "charge is valid".


I've had it with this company! I'm going to pay this card off and never, ever use them again! There are better ways to help clean up or help establish credit rather than using a rip-off company like Plains Commerce Bank! Are they even a real bank??


This report was posted on Ripoff Report on 12/30/2009 03:41 PM and is a permanent record located here: http://www.ripoffreport.com/r/Plains-Commerce-Bank-Total-Visa/Sioux-Falls-South-Dakota-/Plains-Commerce-Bank-Total-Visa-Charges-Ridiculous-Fees-Sioux-Falls-South-Dakota-547695. 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.

Click Here to read other Ripoff Reports on Plains Commerce Bank Total Visa

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.



Ripoff Report Legal Directory