Complaint Review: Advanta - Salt Lake City Utah
- Advanta Advanta.com Salt Lake City, Utah U.S.A.
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- Category: Banks
Advanta More jacking rates 35.49% Salt Lake City Utah
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Same old story but I got some of my rate reduced by sending LETTERS to Keith Brender, VP customer service in Utah. Don't even bother with phone calls to India, you neeed a paper trail to track complaint. They have to prove you recieved the non-excistent OPT OUT notice. Heres my story:
Advanta raised my rate, July 2008, to 35.49% with no warning although I was a client over ten years and never late or over. I immediately sent a signed fax to that effect as instructed by the customer service representative I called. He said that should take care of the matter.
Having heard nothing in a week, I called again, the rep said they received the fax and not to worry. On Aug. 8th I get an email saying my payment was late. Again I called and was told I had to pay because I didn't respond to the Opt out Notice that I never got!
I realized that talking to reps over the phone was futile, so I sent detailed letters every month asking to reinstate my account to pre July 2nd amounts.
Oct.12, 2008 I finally receive a letter from Keith Brender, VP customer service, stating that my account was closed and acknowledging that I don't accept the Change in Terms effective July 2,2008.
It took until Dec.2008 to finally get my PURCHASE items reduced to 21.74% and some of my overpayments credited, but they refuse to reinstate my PROMOTIONAL items to the pre July rate of 6.99% life, because they say I have late charges.
I was not late, but could not pay the inflated finance charges they wanted over the months (July-Nov.) that they did not communicate with me in writing. Instead, I had paid a good faith amount ($600-$700) every month.
I believe they may also be in violation of federal law, as they did not reply to my fax or letters in writing within 30 days.
Rod p
old lyme, Connecticut
U.S.A.
This report was posted on Ripoff Report on 03/03/2009 03:23 PM and is a permanent record located here: https://www.ripoffreport.com/reports/advanta/salt-lake-city-utah/advanta-more-jacking-rates-3549-salt-lake-city-utah-430416. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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