This company is the worst ever. It covers Spiegel and Eddie Bauer and a couple of other businesses. They are unwilling to work with you.
I closed my account with them and the final payment was due upon receipt. I mailed the final payment in and then received a call from them 4 months later telling them I owed over a hundred dollars. They said that my final payment was late, although there was not a date that it was due to the company. It was due upon receipt. So they had charged me a late fee on the final payment and then late fees on the late fee.
They never sent me any bills or ever contacted me until 4 months later. I made formal complaint to the companies and the Credit burea, and was told to pay the amount that was told to me after 4 months. I was told by FNCB that while they were looking into my complaint they would not be charging anything else to my account. It was all lies. After paying the $100 dollar amount I was still still being charged late fees avery month for the late fees I was originally charged.
I didn't hear anything from them for about 6 months and then all of a sudden I got a letter in the mail to do a settlement with them. By this time I was so tired of them that I payed the settlement only to receive more bills and notices that I still owed them money and they were still giving me late fees every month.
Every time I call, they are rude, they hang up on me, they tell me somehting different then what the person before told me. They refuse to tell me the amount I owe in total and why I owe that much. They won't give me a straight answer and the past three months they have given me three different amounts that were owed and none of it makes sense. When I point that out they hang up.