 What is a good Credit card rate? |
| i would like to know what is a good apr rate, and what does apr mean? is that the interest?, and i'm new to credit, anyone know a good online place where to get a credit card like mastercard, ... |
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 What do I do if my car was repossed? |
I cant afford it, Can I settle later and save my credit?
( which is going down the drain)and how do I get my stuff back that was in the car, is there a cost?
Anyone know about this..I live ... |
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 Credit problem?? |
| I recently had some collections accounts that were not mine deleted from my credit report...now the only credit I have is a credit card from Premier. I just opened that account about 3 months ago, ... |
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 Debt Relief? |
| Please someone help. I am a single mother with a disable 10 year daugther. I jsut was divorced and my ex rights were terminated due to what he did to my daughter. I am trying to get back on my feet ... |
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 Credit card for student with limited or no credit history? |
| I have recently started looking for the best credit card for me to pay for a couple semesters of school and a little bit of automotive work. I plan on doing an auto pay. The credit card i'm ... |
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 Co-signing a 6 month lease for someone else. How does it effect me if I did.....? |
| Basically how does that show up on my credit? Have someone that is moving to Chicago and needs a 6 month lease co-signer. What effect does this have on my credit rating? Does it show I have a 6 month ... |
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 What are the pros and cons of a 0 interest credit card? |
| There are many credit card companies that offer 0% interest for up to 12 months. What are the pros and cons?... |
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 First time credit card user- which one? |
I've never had a credit card before and I am going to get one to begin building my credit (I'm way too old not to have one!)
What card do you have? What do you like about it? W... |
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 Usually what would happen after canceling a credit card and use it after cancelage? |
| Today. I happend to have purchase some item on a credit card i have canceled earlier. I had forgetten i canceled it and really at the moment im not sure whats going to happen. And its not my credit ... |
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 Best way to get out of debt, for a college student? |
| I'm finally down to one credit card with a balance of about $500. I know that may not seem like much, but I cant seem to pay this one down because of the high interest. I haven't received ... |
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 If I claim bankruptcy will my school loans be included? |
| I have about 12k credit card debt they i have not paid in about 5 months and aprx 35k school loans. I was out of work and unable to pay my bills so the intreast killed me(cards started at 8k), I ... |
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 Prepaid credit cards for youths? |
hey guys,,
i'm starting to shop online and use ebay and i'm a little bit paranoid about use my or my parent's credit cards. does anybody know of any prepaid credit cards that a 15... |
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 What does it mean when they ask you to pay the minimum balance due on your credit card? |
| I just got my first ever credit card and am expecting my first bill next month. My credit card company says that I'am expected to pay the minimum amount, I'm new to this so can someone ... |
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trevor k | Where can i file a complaint against a credit card company for over charging me? |
I paid my credit card bill online, and through a mistake it was returned overdrafted. I immediately re-paid it for the same amount. The credit card company then re-sent the first payment that was originally bounced back through and credited my account. I called them and explained the situation and they told me they had no way of knowing which payment was accepted b/c I wanted to cancel the second one. I called my bank and put a stop payment on the charge that haden't gone through and now the credit card company is giving me another no funds charge of 44 dollars (2 total), and they're trying to re-send it again, even though it was reported as stop payment. I'm getting no answer from their supervisors and was wondering if there is anyone I can send a complaint to? |
 |
 
Sgt Big Red
 |
Report the credit card issuer to the Comptroller of the Currency. Phone number is 202-874-4700.
Report the company to your state's attorney general's office. You can find links to your state's AG website at naag.org. Your state might allow you to file a complaint online. This is probably the most effective complaint to make as it is the attorney general's who have filed most of the lawsuits against credit card companies. For example, it was the California AG who sued Providian and forced them to pay the largest judgment against a credit card company ever.
Report the company to the Better Business Bureau. Submit your case for dispute resolution online at www.bbb.org.
Report the company to banking regulators. Their mailing address is Division of Credit Practices, Bureau of Consumer Protection, Federal Trade Commission, Washington, D.C. 20580 or file a complaint online at www.ftc.gov.
Hope this answers your question
LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice. |
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bdancer222
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Instead of trying to explain this very confusing set of circumstances over the phone, send a letter detailing the problem. But you need to be clear. Include dates to distinguish the transactions. Ask that they remove the return funds charge.
I strongly advise that you no longer use their website to pay your bills online. This is exactly the kind of problems that happen and you don't have much paper trail or ability to check.
It is much better to use online billpay thru your own bank account. Most large banks offer it free of charge. You can schedule payments in advance, including recurring items like rent, to auto pay. Yet you still can change or cancel any payment up to a couple days before the due date. |
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Aussie Beach Bum
 |
try 1800 no hope |
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oldcorps1947
|
Consider filing a written complaint with your state attorney general's office.
Also, consider filing a written complaint with the credit card company itself. Sometimes their rules require complaints to be written, in any case they must keep records of all complaints they receive.
Also, you may want to post a complaint at the following website http://www.badcreditcards.org/
Also, you may want to see if you can get any results by using the Federal Consumer Credit complaint, you can use the following link http://www.idfpr.com/dfi/ccd/ccd_complaint.asp
I wish you the best. |
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donotbuyakia
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You've lost me, but I suggest you contact your attorney general's office. |
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Melissa J
 |
Just a thought, try filing a complaint with the Better Business Bureau. Companies don't like to have complaints on their records, so they might (maybe...) bend over to resolve the issue. |
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pmspotter
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please go to http://www.uscg.mil/Legal/la/topics/consumer_and_contract_matters/credit_card_theft_fraud.htm
It will show you what to do. |
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Becca A
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Try going through the Better Business Bureau. They are extremely efficient at solving problems between business and customer. A few years ago, I had a complaint against Cingular for a bill error, that was their fault. Like you, I was unable to resolve the issue with the company itself. I contacted the BBB, filed a complaint, and within the week, the PRESIDENT of Cingular was calling MY PHONE! The issue was resolved in 3 minutes, right then and there! No company wants to be hassled by the BBB. I would strongly recommend it, especially since there's no charge to you. |
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