- Report: #469155
Report - Rebuttal - Arbitrate
Complaint Review: Advanta Bank
Advanta Bank448 E. Winchester St. Murray, Utah U.S.A.
Advanta Bank needs to change name to I-Got-Had-By-Advanta Bank Murray Utah
A business' first
line of defense
on the Internet.
If your business is
willing to make a
Click here now..
This came - as seems to have been the case with others - despite my record of on-time payments and never being near my limit. This came despite an assurance in June 2008 that all promotional rates would remain in effect, unless of course I was late on payments.
This action on their part put me into my favorite mode when dealing with customer no-service issues; sending my famous P.O. letters. These are not rants as the title indicates, but rather carefully worded letters asking for a resolution. Or in the case of Advanta, a simple answer as to what my rates shot up. Well 11 months later I'm still waiting.
And I guess the NEXT biggest frustration is that reporting this matter to the credit bureaus seems to DO NOTHING to repair a once decent 720 FICO. Geeze, one would like to think that Experian, Trans-Union and Equifax are not all sleeping in the same bed with the CC companies.
Well back to my saga of "I'veBeenHadVanta."
In the meantime I have kept paying at, or just slightly above, the usual monthly payments and have written over a dozen follow-up letters to a number of different Advanta people whose names appear on threat letters and seemed to be those in positions of power and authority.
I've sent e-mails to people who have called offering me settlements and returns to low lifetime sub 10% interest rates, but they must not be able to respond to e-mails. When I did get a phone number of a person to call (one Steven Willis comes to mind) to talk, I tried to reach that person. No matter what time I called I never got anything other than a voice message. Being in the Pacific Time Zone presented a problem, as did being in a poor cell phone service area.
Advanta wasted dozens of calls to me from customer no-service people because as I told their various departments via letters, until I received a simple one or two sentence answer to my question as to what crime I was being charged with that there was no since in us talking.
So the account subsequently was closed sometime in late 2008, then sent to collection with a company called Phillips-Cohen in approx. March. Similar letters to that company resulted in no answers, other than their sending me a large envelope with copies of my statements. Attempts to reach an account rep via after hours voice messaging were also unsuccessful, despite Phillips-Cohen offering a menu to navigate to this person. Remember I'm 3 hrs. difference in time zones and in a virtual no cell service zone so live calls were not an option.
The final blow has come with the effects of this Advanta Melt-Down affecting both other business credit I have, and even into personal family credit, which my wife proudly maintains as being SPOTLESS!
I have spent so much valuable time trying to rectify this that it has taken away from other projects my part-time publishing and PR business. What a total nightmare. But it seems I am not alone.
Hopefully we can get this Class Action going. It is my hope that all of us who abided by the rules can:
1. have our debt to these snakes in the grass totally erased and let them take a bath.
2. enlighten credit bureaus that they need to clear all or our records so we can have back what were likely once decent FICO scores.
So has my War & Peace, or In Cold Blood length story made your eyes cross? Well you ought to see all my letters and e-mails.
This report was posted on Ripoff Report on 07/13/2009 02:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/Advanta-Bank/Murray-Utah-84107-8502/Advanta-Bank-needs-to-change-name-to-I-Got-Had-By-Advanta-Bank-Murray-Utah-469155. 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.
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
- Keep the name short & simple, and try different variations of the name.
- Do not include ".com", "S", "Inc.", "Corp", or "LLC" at the end of the Company name.
- Use only the first/main part of a name to get best results.
- Only search one name at a time if Company has many AKA's.
Advertisers above have met our
strict standards for business conduct.