Union Plus Credit Card misleading promotional advertising, fraudulent hidden fees, ripoff to unions Salinas California

UNION WORKERS BEWARE!!

My husband is a NYC firefighter and the IAFF sponsors Union Plus. They advertised 3.90% on the lifetime of the balance for balance transfers up to $3,000 with no fees. I must have received 5 of these advertisements over the summer so I ended up transferring a $3,000 balance.

When I received my first statement, not only was the $3000 there but also a $75.00 Cash Fee finance charge AND a $35.00 over limit assessment charge! When I called I was told that because I took the offer of the full $3000, the $75. Fee added on took me over my limit and $35.00 was assessed. But wait, it gets better. Because I opened up the account in the middle of a payment period and another payment period had begun, I was assessed yet ANOTHER $35.00 fee!

When I told them I wanted to payoff and close the account, I was informed that all interest would be assessed for the last 28 days at the purchase interest rate of 13.24% and because the payoff takes 10 days to process, another 10 days worth of interest would be added.

All in all, to close the account, it would cost $3,265.

After 3 calls I got them to take off the two $35.00 fees and paid $1,000 to the account (a $15.00 over-the-phone processing fee).

I'll try to payoff the full amount the day I receive the next statement and just get out of this credit card hellhole!

False advertising, hidden fees and bad service are being pitched to union workers. BEWARE!!!!


Marie
Hewlett, New York
U.S.A.