tci total visa total visatci TOTAL CARD TCI SOLUTIONS Horrible service, scam, overcharged, credit card abuse Sioux Falls. South Dakota Nationwide

I received a credit card from Total Visa in March.  The annual fee is $80.00 and then my limit was $300.00

I paid the annual fee and I missed the first two payments. They put me into the "recovery" section of their company.  Here is where it gets screwed up.  They have no idea about ANYTHING that is going on with your card. They will not answer any questios. THey will only take the payments and thats it. They will transfer you to a customer service agent from another company to help you. There are three different companies all using the same system. I am paying my balance and tossing this card.  Unreal. They are crooks and they couldnt even explain to me about the annual fee. I asked if that would be put towards my balance they said no. Then proceeded to tell me that I get a $26 late fee for pay period it is late. How did I rack up $300 in fees in 3 months? It was only a $300 card??