• Report: #156499

Complaint Review: Rewards 660 Visa -Total Card

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  • Submitted: Fri, September 09, 2005
  • Updated: Tue, March 22, 2011

  • Reported By:PLANO Texas
Rewards 660 Visa -Total Card
P.O. Box 89210 Sioux Falls, South Dakota U.S.A.

Rewards 660 Visa - Total Card Unfair Debt Collection Practices, ripoff payment Sioux Falls South Dakota

*Consumer Comment: sounds phishy

*Consumer Suggestion: No rip off here!

*UPDATE Employee: a little info

*Consumer Suggestion: credit isn't cheap

*Consumer Suggestion: Who really ripped you off?

*Consumer Suggestion: I too have the card, and NEVER had a problem

*Consumer Comment: Lesson Learned about Friends

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This card at first glance appears to be very good for rebuilding credit, you make a 250 opening payment on the card balance. The card DOES arrive in the mail, and it DOES work. Activating, and recieving the card, is not a ripoff or scam. However, what IS in this case, a ripoff/scam is when in my case my ex-roomate submitted a payment on my card to pay me because he missed the rent the prior month. He moved out shortly thereafter, and reported the check paid as lost/stolen.

This card company refuses to work with me resolve the situation. I have made repeated offers to settle the balance with my own checking account, they insist however, that I submit a money order. I tell them I have no vehicle to reach a money order location, and no credit card to submit a money order online.

I tell them I signed up for this card because their website explicitly states that I may pay via checks online. After several discussions with people representing themselves as 'rewards 660/total card inc' employees, the last of which was a heated discussion, the woman on the other end let slip that she is NOT an employee of the card company but is really a debt collection agency on BEHALF of the card company.

She initially called and identified herself as a employee of the card company attempting to determine if my payment was late. She was not only VERY misleading, bordering on an outright lie, but as she IS truly a debt collector, in a collection agency, she is in violation of the fair debt collection practices act with this deception. She failed to identify herself as a collector, and failed to read the required statement of 'This is an attempt to collect a debt, therefore any information obtained will be used for that purpose.'

This is a clear violation of the Fair debt collection practices act, and then she has the audacity to blatantly lie once discovered, telling me that she is not required to read such a statement and even that she did say 'what company she works for.' Which is either another lie, or if she DOES work for the card company it is NOT as a 'friend from customer service making sure your payment is on time.'

Though this card company may work for those who NEVER have an issue with their payment, anyone who plans to not be the only person to submit payments on their card, such as a college student, or people with roomates whose rent is late sometimes should most certainly refrain from using this card, they will block you, and lie to you, and they will not stop harrasing you. If anyone has information on how these harrasing calls can be stopped, esp. since they are decietful, please tell me so that I can get these wolves in sheeps clothing off my back!

Reagan
PLANO, Texas
U.S.A.

This report was posted on Ripoff Report on 09/09/2005 08:12 AM and is a permanent record located here: http://www.ripoffreport.com/r/Rewards-660-Visa-Total-Card/Sioux-Falls-South-Dakota-57109/Rewards-660-Visa-Total-Card-Unfair-Debt-Collection-Practices-ripoff-payment-Sioux-Falls-156499. 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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REBUTTALS & REPLIES:
0Author 7Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

sounds phishy

AUTHOR: Credit Crusader - (United States of America)

I've been doing some research on TCI and I have to say some of these rebuttals sound like they had their own workers/employees write in.  They sure have a long list of complaints against their services online for someone who does things by the book.  I'm not saying that you made no mistakes, but the caller not ID'ing themselves as a collector is a huge legal no-no.  You could actually lodge a painful complaint against them (and should).  Also, you should look into them through Bud Hibbs (an anti-collections harassment expert) at www.budhibbs.com.  I myself am being harassed by these bottom feeders, so I understand.
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#2 Consumer Suggestion

No rip off here!

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

You're throwing the blame on the wrong party! I have a Total and an Imagine and an Aspire card, all of them for over 2 years now, and am pleased with all 3. yes, high interest cards all, but they all report every month to the 3 major credit bureaus, which is only helping me in the long run. I pay my Total card through a website, and have never had any problems.

Imagine takes my payment auto debit. want a solution to your dilemma? PAY THE BALANCE OFF AND CLOSE THE ACCOUNT! And choose better more reliable friends.
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#3 UPDATE Employee

a little info

AUTHOR: Account Specialist - (U.S.A.)

I can see where you would be completely frustrated with your rewards 660. But the thing most people can't get past is that *The Customer is Always Right*. Well, that's just not true. Here is a little insight on what our company's side is.

Let me see if I read this right. Your friend made a payment on your account after you helped with their rent. Then your friend reported the check lost/stolen. Right?

If your account was past due, that payment would have brought you current and allow available funds right? But with the check disputed, it would have been like there was no payment at all. Meaning, no available funds on your visa account. Now if your account was already current and that check was for your next due date...and the check was disputed...that would show a missed payment bringing your account 5days delinquent and adding a late fee/returned check fee. That explains a part of why our company put a block on your account.

The other reason is that with every single check that is processed. There is a 14 day hold on *those funds* to ensure the check clears. If you want the funds sooner, fax a front/back copy of the cleared check.

now with your case please note that on ALL third party checks from (parents/siblings/spouses/friends/roommates/ETC.) the security department researches and needs documents to prove the 3rd party *did grant permission* for the cardholder to use their account. That policy was established to eliminate checking fraud.

Since your roommate had reported that check lost/stolen...it would have come back to us returned and the 3rd party's bank would contact us to inform us of checking fraud. If any account has fraudulent checking/debit activity. There is a block put onto the account to hinder any other checks or debits to avoid the possibility of further checking fraud.

Money orders are not the only method for payment we would ask for. They would be the last thing we ask for because of the time it takes to go through the mailing system and credit to your account. Our company does accept Money Grams and Western Union as wire transfers. We do provide the receive/pay to codes for MG and the pay to/code city/code state for WU upon request.

As far as how we ID ourselves at the beginning of the call once the cardholder is on the phone. We DO state our name, the company's name, and what we are calling in reference to.

I am sorry to hear that you are less than happy with our company. We do everything we can help our customers understand the status of their account and answer any questions brought forward. We do listen to your concerns, but the only way we can offer help, is if you give us a chance to speak and listen. Truly listen to what we are saying you. I find that most people tune out what they really need to hear.
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#4 Consumer Suggestion

credit isn't cheap

AUTHOR: C.curtis - (U.S.A.)

Any time a person is deceived about a way to improve their situation, it certainly is a shame, but when a credit card is applied for, and this one is no exception; it in the many, many coulmns of disclosure you are prompted to read for a card application is applied for, it states exactly what to expect. In short it says this is a high intrest card for people who are refused else where, so you pay. Fair? no but they definatley do not lead you on that if you don't pay, they will go for the throat. I personaly had a 500 credit score and the only company who would send a card was these people, it was hard but in 3 years i was able to but a house, and i tear up at least one card a week they send me. Now i am not saying that to not work with you was a sensible way to handle a potential long time client, tact is needed on their part, but don't give up. ( and don't be Late). Good luck
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#5 Consumer Suggestion

Who really ripped you off?

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

Honestly, it sounds like you need to direct your anger at the ex-roommate, as he made you believe he was making a payment to your card, on your behalf, and then went behind your back and claimed the check was stolen, or lost. That is clearly deception on his part, and you should really be pressing charges against THAT person. It's not Rewards fault that your roommate re-nigged on his payment.

I know that a lot of people seem to be upset with 660, but in all reality if you read the small print and all the terms and conditions set forth before you sign up for this card, there should be no surprises! I knew exactly what I was getting into with the fees & all before I could use the card, and after 6 months of paying my bill on time, I received the $250 BACK on my card as extra credit. So you get that money BACK EVENTUALLY, you just have to prove your payment history to them first. But your roommate is the criminal here.
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#6 Consumer Suggestion

I too have the card, and NEVER had a problem

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

Hello,

Look at what your wrote. Someone paid your bill for you, and they stopped payment.

1st. YOU gave him/her access to YOUR account. YOU made the mistake of trusting someone else to do the right thing by YOUR account.

2nd. The Company has every right to tell you how they want their payment. If you have a checking account, you obviously made a trip to the bank to open your account. Take a cab, bus, train, ask a friend, get a money order, do online banking. Do something to get them their money. YOU are in the wrong here.

3rd. Rewards 660 is a card company for people who have bad credit. Do you see why they will only allow you to pass a bad check once before they want secured funds?

I've never used a check or money order before, I've always used moneygram. If you make a payment before 2pm in your timezone, it posts to your account the next morning. It's only 5.95, and can be cheaper then a lot of bank checks, etc.

I suggest you read the card guideliness that you agreed to when you opened your account, payed off the 250.00 inital charges for membership, etc and then used your card for the first time. It's stated online.

This is totally your fault, so do what they say, and all will be alright.
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#7 Consumer Comment

Lesson Learned about Friends

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

I also have this card, and I haven't experienced any problems with it. It seems that the REAL problem is your ex-roomie, who cared so little about you that he burned you on his way out.

This happened to me before, an ex-boyfriend owed me money so he "paid" my car note for me one month with a check. Well come to find out, he stopped payment on the check, and continued to lie about having made good on the payment, to me and the car loan company, until my car got repossessed. The company also refused to accept any more checks on my account, regardless of my excuses. And can you really honestly blame them? They have no way of knowing if you legitimately had something bad happen to you or if you are a fraudster yourself.

So they have to protect themselves, just like you and I have to protect ourselves from liars and cheats from now on. If someone owes me money I get get paid back with something tangible, like cash, or we go shopping together and they buy me something, or they babysit for me.
As for paying your card, why don't you use Western Union or Moneygram? You can access the quick pay option online and pay with your ATM card. That is how I make all my payments and I am yet to experience any problem or delay. If you don't have an ATM card (hard to believe if you have checks...) Maybe you can ask your parents or someone you can really trust to get the money order for you, if you honestly can't possibly get it yourself.
Paying the company is the only way you will get the issue resolved, since you do legitimately owe the bill.

Good Luck, and I hope you surround yourself with real friends instead of loosers.
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