EMERGE PROFESSIONALS Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported

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1, Report #1398412
Sep 07 2017
08:26 AM
Emerge Professionals Humiliating Experience!!!!! Denver Colorado
We had the most experience going to Emerge Professionals in Glendale, CO.  Dr. Jessica Reinhardt was very condescending and insensitive to our loved one's needs.  Families that have handicapped children already have enough problems without having to try and explain issues that the clinician has never seen in a text book.  We're so sorry that we don't fit in your neat little box, Jessica Reinhardt, PhD.  We will obviously go elsewhere to clarity and direction with our child.  
Entity: Denver, Colorado
2, Report #76644
Jan 09 2004
11:52 AM
Emerge Mastercard EMERGE -- DON'T DO IT! Columbus Georgia
I have read others reports here on EMERGE and it is amazing how similiar my circumstances are. Like them, my interest rate is 30% and I get a MONTHLY periodic finance charge of anywhere between 60 and 100 dollars. Everytime I make an overpayment to knock the card down a bit it goes straight to this sporadic finance charge -- incredible. They you have you locked in tight. Before they purchased my accounts, I was in good standing -- now, I AM NOT. Like the others, I called customer service to inquire into their buying my accounts and then overextending the interest and could not get through for 2 solid days. When I did, the rep was of no help and when I askd for a manager, he told me there wasn;t one available. What can we do to alleviate this? I don't know. But, I would be more than happy to be part of a collective lawsuit against them. I am serious. Vince Woodbridge, VirginiaU.S.A.
Entity: Columbus, Georgia
3, Report #190069
May 05 2006
04:27 AM
Emerge, Emerge Card Online Payment Ripoff Atlanta Georgia
First, let me say that I use online bill pay for paying all of my accounts and NONE of the them charge any type of fee as long as the payment is made On Time for using their online service. Emerge card gives you the convenience of making your online payment to them, but on top of the whopping 28.15% interest I am paying them on an annual basis, they have the nerve to charge $4.95 for making an On Time payment, online. I think this is a stiff amount to have to pay and I feel like they are ripping people off. I don't know if any of this is regulated by the government, but it should be. Ronald Ponchatoula, LouisianaU.S.A.
Entity: Atlanta, Georgia
4, Report #145363
Jun 07 2005
01:12 PM
Emerge, FNOB ripoff Atlanta
Long story short... had an FNOB card for emergencies had not used it in a while so they cancelled it even though I was making payments, then they sold me to emerge. Emerge never sent me bills or statements, when you google them you can't get their website, and when you finally call them you can only get a customer service rep by saying your card is stolen. After an hour of trying to get ahold of them they won't give you your acct. number which you need to pay online but then it's 15.00 to pay by phone. Take my advice don't sign up with them and if you did, pay it off and say goodbye... Megan Atlanta, GeorgiaU.S.A.
Entity: Nationwide
5, Report #74444
Dec 08 2003
03:59 PM
Emerge Card ripoff Atlanta Georgia
I have been trying to contact Emerge for months. They have refused to send mail to my current address, instead sending it to my parents, who live on the other side of the country from me. By the time I get my mail it is outdated. I have written letters, sent e-mails and called. When I call I either get a recording or someone tells me that all address changes must be submitted in writing -- which I've done about 20 times. I have never had a statement sent directly to me from Emerge. When they first took over my Providian mastercard account (which was in good standing since I opened it 3 years ago) I told them I would not send money to a company that would not send a statement to me. I never agreed to the terms of the new card--I never even GOT a new card-- and I have never used the account. They raised my interest rate to 29.999% and I lost count of the fees, over the limit charges, late fees, etc. they tacked on. I finally got an e-mail from them--not a letter--stating that THEY had sold my account to a collection agency but didn't say the name of the collection agency or how to reach them. My parents said that no more mail has arrived for me. So, I have filed a complaint with the Division of Credit Practices, Bureau of Consumer Protection, Washington DC 20580 (this is the whole address). I originally filed in my state but they responded saying that Emerge is handled at a national level. Anyone interested in a class action, There was one settled recently but registration is now closed. Let's start a new one! Amy San Diego, CaliforniaU.S.A.
Entity: Atlanta, Georgia
6, Report #79126
Feb 03 2004
09:26 PM
Emerge Credit fraud Internet Internet
I contacted Emerge late last year and requested a payoff amount. They quoted me a settlement amount, and I agreed. Paid in full with a check by phone, and never heard a thing about it again, until earlier this week. Apparently, they took the settlement amount as a payment towards the full amount, and continued tacking on interested and late fees to the remainder of the legally settled debt. I have tried to contact them 5 seperate times, always reaching someone obviously overseas that spoke, at BEST, very broken english. When I asked to be transfered to a supervisor, I was placed on endless hold and then disconnected. There is no chance of me settling this illegal debt with a company I cannot contact. I will be contacting the Better Business Bureau in the morning as well as my lawyer. This company strive to attain a level of customer non-service that has never been attained before, and let me tell you, THEY ARE DOING A BANGUP JOB!!! Never will I hold a card that has anything at all to do with Emerge again. This is outright robbery. I'm with Robert, if anyone starts a lawsuit contact me. Thanks, Robert Bremen, GeorgiaU.S.A.
Entity: Internet
7, Report #98618
Jul 12 2004
06:07 PM
Providian - Emerge ripoff Atlanta Georgia
Providian arbitrarily switched my account to Emerge. Emerge interest rates are higher. Emerge customer service is poor at best. (Once you finally navagate through their extensive automated attendant). They finally started up a web site for checking your account and paying your bill. HOWEVER, Emerge charges $10.00 for you to pay you bill on line! What a rip-off. Angered in, KentuckyU.S.A.
Entity: Atlanta, Indiana
8, Report #84708
Mar 20 2004
07:49 PM
Emerge ripoff Atlanta Georgia
My story is much like the ones I have read on-line. Providian sold(transferred) my account their new credit card division E-Merge and jacked my interest rate to 29.99% approx 10-02. I found this out only when I receive in the mail a credit card from E-Merge basically stating the Providian card is no longer valid sign the E-Merge card and start using it. Instead of signing the card. I called E-Merge and after going thur a phone system designed to not let you talk to a person I get a hold of one. After getting a hold of a person I'm informed my interest rate is now 29.99%. I pointed out the the rep that this information was not included in the mailing with the card and asked their rep for a writen copy of the E-Merges terms and conditions. I was told that they can not provide that to me. I asked of a superivisor who again I adked for a writen copy of E-Merges terms and conditions. He told me that he could not provide me with Providians terms and conditions that they where a seperate company. I pointed out to him I'm asked for E-Merges terms and conditions not Providian's. That under Federal law they are required to provide this information in writing. He stated that he would mail it out, I never received them. In Oct, Nov and, Dec 02 I sent a total of 7 emails to E-Merge again demanding a writen copy of their terms and conditions. Again they where not responded to. Finally after having enough on 12-20-02 I sent a letter to E-Merge closing my account. When I received my Jan 03 statement closing dated 1-21-03, I discover not only was account not closed but E-Merge had charged me an annual fee of $89.00 When I called E-Merges customer service department (located in the country of India) explaining that I closed my account in Dec 02 and I was charged an annual fee of $89.00 in Jan 03. The rep stated by closing my account I would lose the benifits of being and E-Merge cardholder. I informed the rep to close the account and refund the annual fee. If E-Merge wishes to dispute my statement, I still have every last email and letters I have sent to them. David Dayton, OhioU.S.A.
Entity: Atlanta, Georgia
9, Report #53750
Apr 21 2003
09:54 AM
Emerge Mastercard ripoff Atlanta Internet
Emerge has done the no bill, but charge the late charge to me also. After it was sold by getsmart to them. I had closed the account while it was getsmart,because they changed their fees and charges. I paid them off in Febuary 2003 for the full amount and they still haven't reported it to the credit agenies. I have called them and they say they have and the cbs say they haven't. So it another ripoff at one end and i wonder which one. John appling, GeorgiaU.S.A.
Entity: Internet
10, Report #1032438
Apr 10 2003
11:19 AM
PROVIDIAN EMERGE MASTERCARD ripoff ATLANTA Georgia
I HAVE HAD A PROVIDIAN GETSMART VISA FOR 3 YEARS - THEY HAD INCREASED MY CREDIT LINE NUMEROUS TIMES DUE TO MY OUTSTANDING PAYMENT HISTORY. BEING ONLINE ONE DAY I FOUND MY CREDIT LIMIT DECREASED AND PROMPTLY CALLED TO FIND OUT WHY. I WAS NOW CONSIDERED A CREDIT RISK BY THEIR GUIDELINES, WHICH THEY COULD NOT TELL ME. I GET A LETTER CONFIRMING THE DECREASE AND THAT MY INTEREST RATE WAS INCREASING AFTER PAYING OFF THE CARD. I THEN GET 2 NEW CARDS IN THE MAIL, TRIED CALLING THE # LISTED FOR 2 WEEKS AND COULDN'T GET THROUGH. FINALLY I FIND THAT MY GETSMART CARD WAS SWITCHED TO EMERGE. THEIR CUSTOMER SERVICE IS LOCATED IN PAKISTAN AND IT NEVER FAILS EVERY TIME I CALL TO OBTAIN INFO, THEIR SYSTEMS ARE DOWN. I HAVE BEEN ADVISED THAT MY NO ANNUAL FEE PROVIDIAN GETSMART CARD WITH A 16.74% INTEREST RATE AND A $3500 CREDIT LIMIT NOW HAS AN ANNUAL FEE OF $89 AND AN INTEREST RATE OF 29.99% AND A CREDIT LIMIT OF $1040. I HAVE TOLD THEM THIS IS ILLEGAL WHAT THEY ARE DOING AND I WAS PROMPTLY ADVISED THEY WILL BE MORE THAN HAPPY TO CLOSE THE ACCOUNT. THIS COMPANY HAS TO BE STOPPED - PROVIDIAN HAS REALLY SCREWED IT'S LOYAL PAYING CUSTOMERS. Beth DEERFIELD BEACH, FloridaU.S.A.
Entity: ATLANTA, Georgia
11, Report #55939
May 06 2003
07:27 PM
Emerge Mastercard over charging dishonest ripoffs Columbus Georgia
When Providian was sending me the monthly statements I had no problems. Until all of the sudden they changed to Emerge. That is when my problems started. I started seeing charges to my card that I didn't understand, and when I called customer service they always told me that it was normal. And of course I didn't do anything about it. Now they cancelled my card because they say that I am over $500 over my limit. I don't know what to do. Gabriela Eustace, TexasU.S.A.
Entity: Columbus, Georgia
12, Report #73345
Nov 28 2003
01:36 PM
Emerge - Providian ripoff Atlanta Georgia
I sure am glad to have found other people in the same situation. I too had a Providian card that was cancelled for no reason and sold to Emerge. I recently ran a credit report and found, although I have not received any corespondence from Emerge in months, that I currently am over 120 days past due and owe 3 times the amount of the original credit limit. I did however receive a call from Emerge 3 days ago, and when I returned their call, at noon today got a recording that said to call back during normal business hours. Does anyone know what their normal business hours are? I intend to contact my states AG office and if anyone knows of a class action suit I would like to participate. As a side note, I have another Providian card, issued at the same time, which is in good standing and I have never had a problem with. It appears that this may be tied to what was called the GetSmart card. Mike San Diego, CaliforniaU.S.A.
Entity: Atlanta, Georgia
13, Report #75282
Dec 18 2003
03:47 PM
Emerge Mastercard ripoff Atlanta Georgia
I have never ever seen anything like this. When I was with GetSmart Visa everything was good, I paid on time and the service was good. Then all of a sudden they tell me that the account was close and that it was sold to Emerge Mastercard. I was like WHAT!! Why didn't they send any notices. So then they tell me that my card will be in the mail and that they will open an account. I was like Ok. Well it has been a year and NOTHING!! I am so furious, because as it was my credit wasn't that great and this Card really ruined me. Now I am having a hard time getting a house, a car and other things. WHY WHY WHY!!! I can not believe this was happening to me. I thought at first it was just me, but then I started reading all these complians and I was amazed of how many people's credit it had RUINED!! Now instead of owing 1000, which was my balance with GetSmart, it was then paid month, but somhow I still get this thing about late charges, and the APR WOW, it is RIDICULOUS! I am so fed up with this card, I REFUSE to pay the whole amount, when I kept on making payments, but my balance instead of lowering is raising more and more. WHAT IN THE WORLD ARE THEY DOING? Someone do something about this, cause it has ruined a lot of peoples credit. THIS HAS GOT TO STOP! THEY ARE A REAL RIPOFF! Guadalupe houston, TexasU.S.A.
Entity: Atlanta, Georgia
14, Report #134890
Mar 14 2005
09:25 AM
Emerge Mastercard ripoff Atlanta Georgia
I had Aira Visa since 99 later they became Getsmart and Providen both did provide good communcations and even a new card with Getsmart. Then about 2 years ago I read online that they were merging or something and becoming this new mastercard company. About 2 weeks later I got a letter from Getsmart telling me the same and giving me a choise of closing my account or keeping the account and having my interest rate increased from 17% to 29.99% I picked to have it closed. I didn't hear anything for a year then I got a call from this collection agent saying since I didn't pay on my account for a year it was sent to them to collect and that I had to pay them at least $150 a month or be sued and have my wages garnesed. I asked them how was I suppose to send them payments without an address or statement. They said they didnt' care they just wanted their $150 a month or else. I don't know what to do and that can't be fair or right what the company did to everyone. I feel I didn't deserve to put in collections for their mistake. Charles Baltimore, MarylandU.S.A.
Entity: Atlanta, Georgia
15, Report #137770
Apr 06 2005
01:03 PM
Emerge Mastercard Ripoff! disreputable business practices Atlanta Georgia
My First Natinal Bank of Omaha credit card account was sold without my knowledge to Emerge Mastercard. I was curious as to why I stopped getting bills from FNBO and called them only to find out that they would no longer be servicing my account. After I finally got through to Emerge they informed me that they had sent notification of the change, however I still have not gotten it. Also, I have not received a bill. I informed the 3rd world operator whom I could barely understand, and they said I should ask the post office why they are failing to deliver my mail!!! I told them I only wanted to pay my bill on time, and I was told I could do so over the phone for a 15 dollar service charge! I asked them to waive this fee since it is impossible for me to pay a bill which I dot not have. They then informed me that they sent me a bill on March 18th, and it is now April 6th, so really I think I should have it by now. I do not. I asked if they had an online bill payment site, to which I was told yes, and given a web site address that doesn't exist. Also, they won't even tell me what my new account number is!!! The operator told me....oh I should specify, the 2nd operator (the first one hung up on me!) told me that I should just send them a check with my old FNBO account number and they would figure it out!!! Sure... It sounds like many other people are having trouble with this company. If you can help please email me: (see link below) Matt Missoula, MontanaU.S.A. CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
Entity: Atlanta, Georgia
16, Report #144269
May 27 2005
08:07 PM
Emerge Mastercard ripoff Columbus Georgia
I have been with Providian/Emerge since the late 1990's and while I have not had any problems with Providian I have been having nothing but trouble with Emerge. For the first time since having this card I am late with my payment by two months. However at the end of May I will be caught back up and will be back on a regular payment schedule. In April of this year I had to pay a high amount Federal taxes and felt it was best to take care of it first. I knew this would mean my other bills, including a second credit card company, would be late because to get caught back up everything had to be put off by one month. My other creditors were fine with this because I sent to them what I could in April and when I could not I made the effort to double my payments to them during the month of May. Emerge contacted me the other night asking why I was late. I told them the reason and said in a week and a half (which will be the end of May) I would be sending them the the two months payment and then be back on a regular payment schedule in June. The told me about the late fees and I said I understood but it could not be helped. They have been calling ever since then to know when the payment is coming. I have sent them an email telling them the same thing I told the representative on the phone and I have also asked to stop calling because they are getting the payment. The representatives are rude and I hate to say it because I normally am polite on the phone but I had to get rude back with the representative. They acted like they should be the person to be paid first regardless. Once the card is paid off I am done with this company. If you are thinking about getting a credit card stay away from Emerge. Robert Macon, MississippiU.S.A.
Entity: Columbus, Georgia
17, Report #132115
Feb 20 2005
06:38 PM
Providian - emerge ripoff Atlanta Georgia
I would just like to say the emerge credit card is a total rip off. I have been with them for over 3 years starting out at 19% interest and am now paying 29.99%. I have never been late on a payment or ever missed a payment. I owe $3,591.52 and am paying a finance charge of $89.14 cents per month. I called them to ask for a reduction in the interest rate but was told that I would be notified when that was possable. That notifaction has never happend. At this rate it will take about 60 years to pay this balance off. I guess that will never happen because I will be dead of old age within 30 years I am guessing. I advise anyone to avoid this credit card and would be interested if anyone had info on a way to get them to lower their intrest rates. Don Siloam Springs, ArkansasU.S.A.
Entity: Atlanta, Georgia
18, Report #126813
Jan 10 2005
10:36 PM
Emerge Mastercard ripoff Columbus Georgia
I, too, have suffered from the negative reports from Emerge that have been placed on my credit file. I also realized, in December 2003, that my credit card expired and called to get another one. The response I recieved was that I had to consecutively pay on time for six months. Twelve months have gone by with consecutive on-time payments, however, I have yet to recieve a new card. The interest rate is through the roof and I do not recommend that anyone apply for this card. I wish there were some sort of recourse. I am thoroughly dissatisfied with this credit card company. I cannot wait until my balance is zeroed out. I hope that once I am done paying, I no longer have to deal with the company or anyone affiliated with them. Daphine Atlanta, GeorgiaU.S.A.
Entity: Columbus, Georgia
19, Report #145293
Jun 07 2005
02:24 AM
FNBO Emerge Deceptive Practices Atlanta Georgia
This credit card was previously handled by Fleet card access and prior to that FNBNA. Now it is taken over by Emerge... I got notice that Emerge would be acquiring my Fleet credit card a few days ago. Having just gone through this not that long ago I assumed it would not be a hassle. Emerge stated I would be given a new credit card and account number. So I sent a payment to Emerge online of $50.00 as I had been doing for years during my accounts previous incarnations only with my new Emerge account number. But I soon realized that I hadn't received my new Credit card from Emerge. When I called customer service they informed me I would not get a new credit card the account was closed. Apparently my account was $6.09 over my credit limit (caused by finance charges ) Fleet had temporarily suspended the use of the card. It seems that the day that Emerge took over the account they received it as closed. So after years of being a reliable credit card customer I have been dropped... For $6.09 Emerge has very poor customer service. Their automated system hung up on me several times. The customer service representatives I spoke to suggested I call Fleet. (As Emerge didn't want to give me false information as to why my account was closed.) Fleet's number referred me back to Emerge. The customer service representatives refused to put me on the phone with a higher up and after leaving several messages with Fleet I am still without any real help. In addition to the phone calls I have sent and email and a letter to Emerge. Hopefully they will respond. In the scheme of things a fellah with a bad credit rating and a credit card with a low limit may not amount to much for these large companies. But even with the low limit money has been made from this card over the several years I had this card. This card kept me at least a functioning poor man. Without it it adds a little bit more of a hardship. I got gas on it when my cash was low so I could still get to work. This has been one frustrating day... Eric Bearsville, New YorkU.S.A.
Entity: Atlanta, Georgia
20, Report #148136
Jun 30 2005
07:48 PM
Emerge ripoff Atlanta Georgia
I never got a notice about my account being sold and my balance went up tremendously. Renee villa park, IllinoisU.S.A.
Entity: Atlanta, Georgia
21, Report #80280
Feb 12 2004
11:43 PM
Emerge high interest rate ripoff Atlanta Georgia
Company is a rip-off unfortunately I am stuck on paying my bill. The interest rate is a killer on this card if you pay the minium that is require it would take you a life time to pay it off. I am so mad at Providian who sold my account to Emerge what a rip off. Now I am working to try and get rid of this card for good. If any person is plan on sueing this company let me know I would like to be on it. Contact me through the rebuttal key. Please be warned about this unethical company. I wish this didnt happen to me but it did and now I am paying for it. If any one have any suggestion place let me know. Tony Lakewood, WashingtonU.S.A.
Entity: Atlanta, Georgia
22, Report #80181
Feb 12 2004
10:30 AM
Emerge Mastercard ripoff ATLANTA Georgia
would like to join any lawsuit against this company I was happy with Providan until they sold my account to Emerge these people are very hard to deal with. if you are planning on sueing this company let me. I would gladly be a participant. I wish Providan never did this to me dont know how it happen just one day i got a call from emerge saying they bought my account. there must be a law that a company cant buy your account without asking you. my interest rate on this card is outrages. there is so many hidden fees that you have to pay just to pay the minimum payment online or call in your payment. very dishonest company. Tony Lakewood, WashingtonU.S.A.
Entity: ATLANTA, Georgia
23, Report #74585
Dec 09 2003
03:59 PM
Providian - Emerge ripoff Atlanta Georgia
I had a Providian account with a $300 credit line. I made a $400 payment (Providian's fees put me over-the-limit). The very same day I received a letter from Providian stating my account had been closed. It was later sold to Emerge. Since Emerge has taken over this account I have asked to speak to customer service regarding the overlimit fees. (This has been for over 6 months)( I have filed a dispute and have received no reply). All I have received from Emerge is harrassing phone calls trying to collect but not offering to help. I was put on a pay-away program... WHAT A JOKE. I set up three over-the-phone payments and the charges didn't stop. This $300 credit line which has taken on a life of it's own is now $1,046. I have offered to pay the $300 (I never charged this account over the limit). They will settle it for $700. I'm sure the interest rate is at it's highest possible. I have stopped paying this account in hopes that they will look at their notes from their phone calls and realize I have been trying to work with them. I DOUBT THEY WILL. Debbie Bayfield, ColoradoU.S.A.
Entity: Atlanta, Georgia
24, Report #60610
Jun 13 2003
01:39 PM
EMERGE MASTERCARD PROVIDIAN ripoff COLUMBUS Georgia
I had an Aria Visa card which turned into a Getsmart Visa card which turned into a Emerge Mastercard. Not only is it a ripoff because my interest rate doubled but their customer service STINKS!! I had excellent payment history in the past and so not realize why the rate was raised so high? Kimberly HIXSON, TennesseeU.S.A.
Entity: COLUMBUS, Georgia
25, Report #104120
Aug 17 2004
04:04 PM
EMERGE ripoff dishonest fraudulent billing and credit reporting Columbus Georgia
I had a cedit card account with Providian. They sold my account to Emerge MasterCard. I continue making my payments to them. However, my debt with them never goes down but it goes up each time. They even report my account as delinquent to the credit bureaus and I have not stopped making the payments. I recently made a $100.00 and Emerge reported to the credit bureau that the account was $100.00 past due after they received the payment. I do not know what to do. They keep charging fees and more fees. I hope other consumers don't have this type of problem. Carlos HOUSTON, TexasU.S.A.
Entity: Nationwide

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