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  • Report: #389268

Complaint Review: Salute Visa Gold Card By Urban Trust Bank

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  • Submitted: Sat, November 08, 2008
  • Updated: Sun, March 01, 2009

  • Reported By:Houston Texas
Salute Visa Gold Card By Urban Trust Bank
www.mysalutecard.com Atlanta, Georgia U.S.A.

Salute Visa Gold Card By Urban Trust Bank Notice of Termination of Card Program Atlanta Georgia

*Consumer Comment: How do you even have a credit card when you allege to have no money deadbeat?

*Consumer Comment: The problem Is salute Is reporting we requested the account to be closed

*Consumer Comment: "CLOSED BY CREDIT GRANTOR" WILL NOT HURT YOUR CREDIT SCORE..

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Today I received a "Notice of Termination of Card Program" like the others. I immediately called the 1-800 number listed on the bottom of the letter. I too was on hold for 20 - 30 minutes. Arthur informed me that "THE MANAGEMENT" decided to close this program due to the current economical situation. Of course he stressed the importance of paying my bill on time and that I would still be responsible for the monthly account fee and annual fees. How can they charge the fees if there is no longer a program? I will file with the Attorney General's office on Monday when they open.

As a side note, you might want to put a note on your credit report of what is going on with this account because this will be listed on your credit report as 'closed by guarantor' which looks bad for those of us who were trying to improve our credit scores.

Concernedconsumer
Houston, Texas
U.S.A.

This report was posted on Ripoff Report on 11/08/2008 04:19 PM and is a permanent record located here: http://www.ripoffreport.com/r/Salute-Visa-Gold-Card-By-Urban-Trust-Bank/Atlanta-Georgia/Salute-Visa-Gold-Card-By-Urban-Trust-Bank-Notice-of-Termination-of-Card-Program-Atlanta-Ge-389268. 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 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

How do you even have a credit card when you allege to have no money deadbeat?

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

- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- Why are you crapping in other people's legitimate reports and trying to make them about you?
- Why are you trying to take away THEIR credibility?
- When are you finally going to answer the legitimate questions asked of you?
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#2 Consumer Comment

The problem Is salute Is reporting we requested the account to be closed

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

Salute Is not reporting closed buy credit grantor. They are reporting account closed @ consumers request.

I did not make this request to salute & I still have their letter stating, they are the ones who closed the account.

Salute Is reporting false information, saying we requested the account to be closed when we didn't.


Everyone who has a salute card needs to, save their letters salute sent to them saying they are the ones who closed the account not us.

This will prove what a dirty rotten lying company salute really Is.
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#3 Consumer Comment

"CLOSED BY CREDIT GRANTOR" WILL NOT HURT YOUR CREDIT SCORE..

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

The only way that will negatively affect you is if you are behind on payments at the time, or they charge off the account. If you are current on your payments, or pay it off, it will state "Paid satisfactorily". "Closed by consumer" or "closed by credit grantor" are not factors in FICO score. This situation is happening to lots of people; even American Express is closing accounts or reducing credit lines. A credit line decrease can do far more damage than account closure, especially if you have a balance. I just went through that myself with Chase.

As I stated on another thread, I would push for a prorated refund of your annual fee, or if you have a balance, request that it be credited to your outstanding balance.

Salute Visa Card Services
Five Concourse Parkway Ste 400
Atlanta, GA 30328

I would address it to Executive Correspondence, so it doesn't get lost in the Customer Service loop.
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