Report: #249967

Complaint Review: Tribute MasterCard

  • Submitted: Wed, May 23, 2007
  • Updated: Fri, June 01, 2007
  • Reported By: Covina California
  • Tribute MasterCard

Tribute MasterCard replied to acceptance certifcate online, never sent me my card, my file missing! Atlanta Georgia Internet

*Consumer Comment: Never had a problem with Tribute, but had a HUGE PROBLEM with Imagine- they're linked together by First Bank of Delaware

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I applied online for a Tribute MasterCard in response to a letter they sent me, saying that I was pre-qualified. "Sure, why not?" is the usual response with me in this situation, so I did, back in mid-February 2007. I entered the invitation # they gave me, plus some more information such as my SSN and such. By some sort of miracle, I was approved in a few seconds after submitting, and the website asked me if I wanted a rush processing on the card. I thought at that time that I didn't need the card right away, so I clicked on regular processing. I stashed away the letter in my inbox, only to resurface later, in May of 2007. I realized that Tribute never sent me my card, so I contacted them several times. All the responses were: they do not know where my file is (I don't exist on their database), told me to reapply using the invitation # (their website won't let me -- the invitation # already exists; therefore, I exist, right?! Duh!), and the supervisors that I have talked to were going to call me back to resolve the matter.

It's been more than two (2) weeks of calls, and no resolution / credit card still. I am tired of this, and I need an answer. My main concern is that I sent my information online, and they LOST it! For all I know, there's someone out there with my name, and credit card, spending the $2,000 I was supposed to get!

What should I do? I know that I'm supposed to run my credit report, but I want Tribute to be responsible to all this. Aren't they in violation of anything? I'm a loan processor at a bank, and we're supposed to get a notice to the borrower of any type of action we're supposed to give on a loan file within 30 days. Doesn't that apply to credit card companies as well? In this case, neither the acceptance or the declination was ever filed for me.

Covina, California
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This report was posted on Ripoff Report on 05/23/2007 04:56 PM and is a permanent record located here: 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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#1 Consumer Comment

Never had a problem with Tribute, but had a HUGE PROBLEM with Imagine- they're linked together by First Bank of Delaware

AUTHOR: Elizabeth - (U.S.A.)

Hi. I actually really like my Tribute card, and I'm really sorry that this happened to you. However, I have had a massive problem with the "Imagine" Gold Card which is issued by the same place.

I applied on April 12th for the Imagine card, and was accepted immediately. They said they were going to take out $4.95 from my bank account, and I'd have my card within 30 days. I thought that was a little long, but such is life, right? WRONG.

It is now June 1st, and I have no card. They haven't taken the $ from my account yet. I have logged over 8 calls to them, and the answer is always the same. It's still pending. No matter how many managers I speak to, none of them can "access my file" and see why it's pending. I finally got really upset with them, and they said they'd send me a letter regarding what's going on.

The letter said that they cannot issue me credit at this time because they already have my social security # on file, and I already have an account. NO I DON'T! I called after I got this letter, and demanded to speak to a manager. Oh, by the way... the number they have on their website will get you stuck on hold for 2 hours at a time. I've put their BEST contact info @ the bottom of this posting.

Anyway, once I called back (yet again) the woman told me very snippily that there was nothing she could do, and I'd have to wait a (get this!!!) maximum of 60 days before anyone could truly access my file and investigate this. What crap is this? I also wrote email after email to the First Bank of Delaware, but I have gotten NO response.

As far as I'm concerned, they are worthless, and truly suck. I mean that in the most "professional" way possible... since they've only been "professional" to me. Yeah, right. I'm about to file a major complaint against them with several different parties. It's not so much about not getting the card, even though I was approved.

It's more about the fact that they have my SSN#, they have my bank account #, and yet they're pretending I don't exist. I hope to God other people out there have better luck than me! Here's the contact info I promised!
Imagine Gold MasterCard Phone Number& Contact Information

Customer Care: 1-888-408-6572

Imagine MasterCard Customer Service
Box 105096
Atlanta, GA 30348-9510
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