Report: #129777

Complaint Review: Card Processing Center - Card Works - FCNB - Spiegel

  • Submitted: Tue, February 01, 2005
  • Updated: Tue, February 01, 2005
  • Reported By: Alpharetta Georgia
  • Card Processing Center - Card Works - FCNB - Spiegel

    Old Bethpage, New York

Card Processing Center - Card Works - FCNB - Spiegel ripoff dishonest in violation of the Fair Debt Collection Practices Act Old Bethpage New York

Show customers why they should trust your business over your competitors...

Card Processing Center is in violation of various sections of Title VIII - Debt Collection Practices Act of the FTC. I am filing a claim on today.

In the summer of 2003, I called FCNB to inquire about my account. The representative told me to "stop sending payments because in a few days FCNB would no longer be in existence". I did not know what to do. Months later, I received a call from Card Processing Center - they told me that my account was "past due". I explained my conversation with FCNB and the representative told me "you can't listen to what they are saying, they have lawsuits everywhere".

I scheduled a monthly payment with Card Processing Center. The amount was to be deducted out of my checking account each month. All was fine until December 2003 - they deducted twice in one month. I called and asked for the other amount to be reimbursed. The representative became hostile - she screamed at me and stated that I owed more than that amount and hung up on me. They tried to take out more money within a 2 week timeframe. Luckily, I previously informed my bank and my account was noted. I had to close my checking account and open a new account.

The representative called me back and asked if I would give her my checking account information again. I told her no and reminded her of what happened to my account the last time. I also advised that I had never received a monthly statement - I asked if she would send me one before I submit another payment. She stated that because my account was in the "Recovery Unit" she could not send me a statement. She asked for my account information again...she became very upset and stated that - Card Processing Center would not take any payments sent via "mail", but could only take electronic (check) payments. I asked to speak to her manager. She told me that she was the only person handling my account and hung up on me.

I called back with a witness on the line with me and asked to speak with a manager. They transferred my call back to the same lady - she called me stupid and immature and hung up on me. I called back advised that I was recording the call and that I had someone on the line with me - the representative started speaking in a "strange language" and hung up on me. I called back and they told me that if I was recording the call that they would not speak with me and they hung up on me again. Moments later, I received harassing phone calls every couple of minutes from their office. I was so upset.

Months passed and the representative called me back, apologized for her behavior and stated that she would accept my payment per month. I advised her that I would need a statement each month and that I would be sending my payments via "mail". She stated that she was fine with the arrangement.

On today, I received a call from a man. He stated that my payments were no longer acceptable and that I would need to increase my monthly payment. I advised him of my agreement - he disregarded it and stated that he would be sending my account somewhere else. I advised him that I would be taking action. I called 866-210-9497 and asked to speak to a manager - they transferred me to a voicemail. I left the message.

At this point, I am going all the way - there has to be help somewhere. To be harassed time and time again is totally unacceptable!

Atlanta, Georgia
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This report was posted on Ripoff Report on 02/01/2005 06:09 PM and is a permanent record located here: 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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