Gateway Easy Pay Credit Card Citi Mastercard Plan ripoff fraud by deception Des Moines Iowa

Just want to add my opinion concerning the dishonorable tactics used by reputed gateway to rip off honest, trusting folk. What I perfectly understood in September 23, 2003 to be a 2-year, $1894.97/2000.00 credit plan has now progressed into a 21/2 year debt-prison sentence of 2800 and historically rising charges. However, accordingly to the representative with whom I just got off the phone, it is to my advantage!

In September, I purchased 2 computers and a printer after falling for the "$498.00 Gateway computer "giveaway campaign" that dominated the airwaves in 2003. Because I understood it at the time to be the most qualitative home computer a person could buy, I fell for the telephone sales pitch, hook, line and sinker (2 computers and a printer). Of course I later found out that their tech support was a joke after I replaced a damaged modem at my own cost and 10 hours of over the phone baloney.

I have always paid on time, never paid a late fee and pay $5 to $60 more than required every month. Still, instead of being debt free by November 2005, it will be April 2006, according to my basic math calculations, before I get out of prison.

All I know is:
I started out with a CREDIT LIMIT of $2000.00

I purchased about $1894.97 that included other charges. I have been informed that the original account statement may not be available to me because "it was so long ago."

I addition, I have been told that an itemized statement is virtually non-existent via the paper trail or on-line.

My monthly statements indicate that I have already paid at least $522 in finance charges since October 2003.

As a courtesy, because of my "good payment status," My CREDIT LIMIT is now called a CREDIT LINE that has risen to $2800.00. I now have $2013 worth of credit available to me; and my new Balance is $786.00.

Perhaps to someone more credit friendly than I, this a good debt-ridden situation to be in-- especially in a capitalist driven society such as ours. But I was carefully instructed 0n September 23, 2003 that by November, 2005 @ $80.00 per month that all purchases and finance charges would be settled and my 2-year sentence satisfied. Now

Good business partnership for Citibank US and Gateway or whoever it is I owe. No one wants to stand by their products or product purchase policy. Everything changes with a new term: Gateway Credit Card Plan (2003) Gateway Easy Payment Plan (2004) Citi Mastercard (2005).

Am I being ripped off or is this the reward for being a good sap? You be the judge.

Georgia
jeffersonville, Indiana
U.S.A.