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Report: #135471

Complaint Review: AT&T Universal Card - Sioux Falls South Dakota

  • Submitted:
  • Updated:
  • Reported By: Raleigh North Carolina
  • Author Confirmed What's this?
  • Why?
  • AT&T Universal Card P.O. Box 6500 Sioux Falls, South Dakota U.S.A.

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OK. To start off with, I received a letter from Chase stating that my visa interest rate was being raised from 8.99% to 29.25% because of a deliquent account on my credit file. After receiving this letter, I called Chase and stated that there must be a mistake, because I have never been late on any bill in my life.

Well, it turns out that AT&T Universal Card mistakenly put a charged off account on my credit profile. I have never had a AT&T Universal Credit Card and most certainly will never have one in the future now. I filed a dispute with the credit agency and they then removed the negative item from my credit profile.

That should have taken care of it RIGHT. NO! I called chase and they would not lower my interest rate back and then I started receiving other letters from other creditors saying their going to hike my interest. I Just don't understand!!! Well, it seems I got caught in the unversal default trap. Now all of my credit cards have hight interest rates because of a stupid mistake that AT&T Universal Card made.

One good thing though, I don't owe any money on credit cards, so I wasn't out any money. I will just have to pay extremely high interest rates in the event I need to use them. Does anyone have any suggestions about how I might have AT%T Universal Card pay for the difference in interest rates, since this is due to their stupidity.

Raleigh, North Carolina

This report was posted on Ripoff Report on 03/17/2005 09:12 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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#2 REBUTTAL Individual responds

Should not have too....... I would think that AT&T Universal Card should be responsible for their actions.

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

POSTED: Saturday, March 19, 2005

Your right, I could just go out and get new credit cards, but I should not have to do this because of someone elses mistake. I would think that AT&T Universal Card should be responsible for their actions.

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#1 Consumer Suggestion

Get new cards

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

POSTED: Friday, March 18, 2005

Get credit cards from another company. When they do a credit check they will see it is clean. Then dump your old cards.

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