EMerge Mastercard Providian Financial abused & mistreated, ripoff business from hell deceptive company Atlanta Georgia

My wife and I had a Platinum Providian Visa with a limit of $8,500. This card (with Providian) was opened in the early 1990's and never had a late payment. We received a letter in the mail stating that the account had been transfered to eMerge Mastercard and that they were closing the account.

I immediately called and asked what the issue was and was told that the account would be closed. No other information, no explanation, NOTHING! I figured "screw them" and got a Citibank Platinum Visa and they gave me a limit of $10,500 right off the bat.

So, I have been making payments on the emerge account and finally wrote a check for a little over $3,000 to pay off the balance. I even called them before I wrote the check to find out the exact balance so I wouldn't have to deal with them again. Then the next month, I get another bill for around $70 for "interest." I called their "customer service" number (yeah right, what a bunch of morons who don't understand English) to find out what the story was. I was told that the interest continued to accrue daily until the check clears. Yes, that's right, clears, not received, but cleared. WHAT A SCAM!

I send 3 different emails to the email address provided in the statement and received no reply other than "we received your email and will respond within 48 hours..."

After numerous phone calls where I was hung up on, I decided it wasn't worth my time and wrote a check. Then I get another bill for the interest on the interest... Now I am getting pissed. After a screaming match with their "customer service" I write another check for the interest PLUS an additional $5 so that they cannot try to come back with more interest. Now they send me a bill for $35 and call it a late payment charge, since the payment was due on a holiday and the drop box wasn't opened until the next business day...

I am frickin' done with Providian and will tell everyone I know that they are a dishonest company and will screw you any chance they get.

Richard
Grand Blanc, Michigan
U.S.A.