• Report: #240292

Complaint Review: Total Visa - Plains Commerce Bank

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  • Submitted: Thu, March 22, 2007
  • Updated: Mon, April 02, 2007

  • Reported By:Unicoi Tennessee
Total Visa - Plains Commerce Bank
P.O. Box 90340 Sioux City Falls, South Dakota U.S.A.

Total Visa - Plains Commerce Bank ripoff The company promised to help me restore my credit rating and it did the opposite of what it said it would Now I am stuck with a $200.00 bill I keep my payments on time but they cut my credit off for no reason South Dakota Internet

*Consumer Comment: I also had this problem

*Consumer Comment: I also had this problem

*Consumer Comment: I also had this problem

*Consumer Comment: I also had this problem

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I took out Total Visa Card to help restore my credit, even though it had a high member ship fee of $200.00. I took the card out in hopes it would do what they said it would do. But after I made the third payment they cut off my credit to use the card. My payments was made on time, even paid early and I paid more money than they ask me to. After being band from using the card I called Total Visa and they stated, it was a mix up, and if I would make a payment that day they would give me a balance of credit of $48.00. I did not make the payment and told them I wanted the card cancaled, and they told me I would still have to pay the $200.00, none of my payments gave me any credit toward the blance of the $200.00. Where is the Better Business Bureau when you need them.

Robbie
Unicoi, Tennessee
U.S.A.

This report was posted on Ripoff Report on 03/22/2007 02:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/Total-Visa-Plains-Commerce-Bank/Sioux-City-Falls-South-Dakota-57109-0340/Total-Visa-Plains-Commerce-Bank-ripoff-The-company-promised-to-help-me-restore-my-credit-240292. 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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Updates & Rebuttals

#1 Consumer Comment

I also had this problem

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

I also had an total visa card I opened 02/2005 I did not have any problems I always paid ontime until around 05/2006. I disputed an unauthorized charge to my card plains commerce bank closed my account 16 months of having the account open. I only received $100 from the $250. they charged when I opened the account. Plains commerce bank applied the other $150 to the balance but I could not use it sense my account was closed. Plains commerce bank told me this program was no longer being offered how do they accept to keep a credit card if they keep closing everyones accounts. I have a new credit card but I am not to give just anyone my credit card #. so they can charge when they want to.
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#2 Consumer Comment

I also had this problem

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

I also had an total visa card I opened 02/2005 I did not have any problems I always paid ontime until around 05/2006. I disputed an unauthorized charge to my card plains commerce bank closed my account 16 months of having the account open. I only received $100 from the $250. they charged when I opened the account. Plains commerce bank applied the other $150 to the balance but I could not use it sense my account was closed. Plains commerce bank told me this program was no longer being offered how do they accept to keep a credit card if they keep closing everyones accounts. I have a new credit card but I am not to give just anyone my credit card #. so they can charge when they want to.
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#3 Consumer Comment

I also had this problem

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

I also had an total visa card I opened 02/2005 I did not have any problems I always paid ontime until around 05/2006. I disputed an unauthorized charge to my card plains commerce bank closed my account 16 months of having the account open. I only received $100 from the $250. they charged when I opened the account. Plains commerce bank applied the other $150 to the balance but I could not use it sense my account was closed. Plains commerce bank told me this program was no longer being offered how do they accept to keep a credit card if they keep closing everyones accounts. I have a new credit card but I am not to give just anyone my credit card #. so they can charge when they want to.
Respond to this report!
What's this?

#4 Consumer Comment

I also had this problem

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

I also had an total visa card I opened 02/2005 I did not have any problems I always paid ontime until around 05/2006. I disputed an unauthorized charge to my card plains commerce bank closed my account 16 months of having the account open. I only received $100 from the $250. they charged when I opened the account. Plains commerce bank applied the other $150 to the balance but I could not use it sense my account was closed. Plains commerce bank told me this program was no longer being offered how do they accept to keep a credit card if they keep closing everyones accounts. I have a new credit card but I am not to give just anyone my credit card #. so they can charge when they want to.
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