Direct Mercants Bank Credit Card Fees Ripoff

Ripping Off the Consumer:

I have been a long standing, good customer of Direct Mercants Bank.

On November 7, 2001, Direct Merchants Bank sent me a notice stating I had an overlimit status and they were imposing a $41.94 fee.

As a result of this, I contacted Direct Merchants to inquire about this notice. I spoke with a female customer representative who was very rude to me. When I was not satisfied with her behavior, I asked to speak with a supervisor. She responded that one was not available. She told me to call back to speak with another representative. I called back. This time I spoke with a male customer representative. He was even worse than the
female representative. He was yelling at me on the phone. It was at that point that I decided as a consumer that I did not have to be subjected to this and hung up the phone.

I was considering consoldating my account to get this paid off quickly. After speaking with the agent, he suggested I call Direct Merchants and ask to skip my December. Because of the treatment I received from the customer representatives, I decided to email Direct Merchants requesting this. Not hearing from them to get approval I finally had to send in my payment for December. That payment was late and it was the first time. I also sent another payment on December 28 for the January payment.

In January, I received another notification saying again I had an over limit and again was bein imposed a fee. So now, my account again is being charged with fees from Direct Merchants which has caused my original balance to be over limit.

Today I submit this complaint because I feel that companies like Direct Merchants Bank are abusing their authority and are taking good standing customers credit and abusing it illegally without justification. They should not be allowed to impose any fees as they see fit.

Sue
Binghamton, New York