Complaint Review: Emerge Credit Card (VISA)
- Emerge Credit Card (VISA)
(P.O. Box 105555)
- Phone: 770-206-6195
- Category: Credit & Debt Services
Emerge Credit Card (VISA) No bill since October - and THEY complain I'M late! Atlanta Georgia
*Consumer Comment: They have my adress and phone number
*Consumer Suggestion: Do they offer an online site where you can view your account
In October, they sent their last bill to me. I paid it within a few days of receiving it. I have not received a bill since then. Now, and for the last four days, I have been getting harrassing phone calls threatening collection activities, credit damage and wanting to gain access to my bank account information.
I have requested a bill each time, because I pay according to the invoices I receive. They have not offered to send a bill, except the last call this evening, when she said it would cost an additional $5.00 for a "duplicate" bill. I have never received a bill.
The last bill was due on the 20th of the month. The calls began on December 1st. I have not used the card for nearly a year, yet the balance continues to go up with their random assessments of late charges (my bills are paid and sent in a timely manner) and this new APR, up from 19% to over 30% since I stopped using the card and began to make significant payments to pay this card off.
In the last six months, I have made significant progress in paying off other credit cards; Emerge being the only problem I have had in paying off my cards. Now they are calling daily, demanding payment on a debt they refuse to show proof of.
As an aside, I have read of many accounts from others, who are having the exact same problems at this web site: I'm comforted in seeng I am not alone. I have found MANY people reporting the exact same circumstances as what I find myself in.
At this rate, I will never be able to get this card paid off and my credit worthiness will be ruined. I will not pay a bill without an invoice of what I am paying for. I will not provide any other financial (personal) information to this company. I never signed on to have this credit card.
Originally, I had another card that was bought/sold to Emerge. I do not want this card and just want to get out from under this avalanche. Can anyone please help me?
I also sent this complaint to the FTC Bureau of Consumer Protection Consumer Response Center . I would recommend anyone else having problems with Emerge VISA to do the same.
I am also considering a note to the Senate Banking committee and the Department of Justice. Usury laws aside, I believe what Emerge is doing is at the least unethical, and at the worst, illegal. I think they need a good ol Senate investigation to cool their jets a bit.
This report was posted on Ripoff Report on 12/06/2006 05:51 PM and is a permanent record located here: http://www.ripoffreport.com/reports/emerge-credit-card-visa/atlanta-georgia-30348/emerge-credit-card-visa-no-bill-since-october-and-they-complain-im-late-atlanta-geor-224091. 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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