Card Processing Center, Spiegel, FCNB ripoff,dishonest fraudulent billing, rude and unwilling to work with you on anything. Old Bethpage Or Hicksville New York

I have seen endless reports about this company and how they have charged these fees. I too am a former customer of Spiegel and I had good standing credit with them until they went bankrupt.

I have already filed a report about this on this site before but I am writing today to ask if anyone has been getting these letters that I have. I got one that demanded payment of all the fee's ect...
Which I might add with all there bogus fees my balance is now well over $1,600. Which makes me ill since I don't feel that I should pay late fees and over the limit fees due to the fact that they stopped billing me and when I mailed my payments in my bill would say min due $15. I would pay $20 and the next month they would have a $35 late fee (???? there wasn't even a due date on the bill it just said pay now) after a few months of this they were charging me $25 min due I would pay $30 and then the next month on the statement would be a $35 late fee and a $35 over the limit fee due to the fact that they were charging me the $35 every month and that put me over the limit.

It was a s****.> Anyway to make a long story short, I am asking if anyone else has gotten these letters stating that if you don't pay them that "As much as we dislike doing so we may have to resort to litigation" the reason I am asking is that I have been doing my homework and if we can find out if this company is just a collection agency then they are just grasping at straws and no one will ever see them in court.

I noticed that no one else talks about getting any of these letters so I thought I would post this and see if I get any responses from you all.

To date I have gotten two one that stated in very rude (true to their form) plain text stating that if I didn't pay they would sue me and that the IRS has been notified that they have filed a form on me and that I would get a copy in Jan. I have a family member who works with a CPA and she told me what the form was,

it is a form that business's file when they have written off an account for non payment. It is added to their losses for that tax year. I never got a copy and I never paid them what they wanted since it was over $1600 and I don't feel I owe them that much. This second one is much nicer and just asks why I haven't responded to them and that after all the kindness they have shown me (ha ha yea right)they really don't want to but they must hear from me to stop them from maybe going to litigation. Plus the first letter said no exceptions will be made on the amount of the payment. This letter doesn't say how much I have to send just says please make payments payable to Card Processing Center and Mail them to the Hicksville, NY address.

I had that same family member call from the CPA's office and funny how she got through in no time. However, when she asked them who they were and what type of buisness they were the woman wouldn't say she told my family member that she needed an account number to talk to her. After she refused to give her one the woman hung up on her. Hmmmmmm smells like they dont' know who they are or they are afraid that we are all onto who and what they really are and they will never get their money.

So if any of you have gotten these same letters please let me know. That way I don't feel like I am the only one out here and maybe together we can all just refuse these extra fees and shut them down in their little scam.
The really sad thing is that I know that Spiegel has nothing to do with all of this and they had no idea that all thier former customers were going to have to deal with this. They send me stuff all the time including a letter that stated that they were very sorry for all the trouble this has caused.

With the letter was a $25 gift certificate for their store. I threw it away because all the stress this whole thing has caused me I feel like Spiegel let all of us loyal customer down and left us out in the cold. They swept their money problems under the rug and left all of us to pay for their mistake.

T
Owensboro, Kentucky
U.S.A.

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