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Aspire Visa


4 Reviews & Complaints

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Customer complaint
Posted by Shooter101 on 03/14/2006
SPOKANE, WASHINGTON -- CAUTION!!!! DO NOT use or apply for an ASPIRE VISA. I have been harassed, threatened, and every other method you can think of to intimidate me into paying more than what is due. What really get me is that their "collection" department is not even in the USA!!! One of the "collectors" told me they were in India. What got me was the fact they use American names instead of their real names. If I am not mistaken, this is a crime, obtaining money under false pretense!.. I am getting a restraining order to have them quit contacting me.

I am tired of them calling at all hours of the day and night. Perhaps, it would help if everyone would take legal action against them.

I regret the day I fell for this con of a credit card. There has to be a law that we can resort to to STOP these people from taking our money.
     
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Posted by bill on 2006-03-14:
This doesn't make sense. The collection department is calling you to get you to pay more than is due? Sounds to me like your behind on your payments and they aren't trying to take your money, they just want you to repay the money you borrowed from them.
Posted by CrazyRedHead on 2006-03-14:
Have you tried to pronounce some Indian names. There are like 15+ letters in some of them. They take on American names so you can pronounce them easier. And in alot of call centers, CSR's are aloud to take on different names for security reasons. I know this to be true for Cingular CSR's since I used to work there. This may have been changed since I worked there last, but this is what I was told by my sups and the Indian reps.
Posted by ejack053824 on 2006-03-14:
Since they aren't a third party collection agency...your in for alot of fun and dirty phone calls from them.
Posted by DebtorBasher on 2006-03-18:
Talk in pig latin to them, and they will stop calling...Collectors are allowed to use Alas names, however, they have to be on file with their real names and FDCPA requires them to use the same name consistantly, in other words, one collector can't use different names everytime they call,and again, it has to be on file. I don't deal with anyone from India or the Philippines, when they get on the phone, I tell them right off the bat that I want to talk to an English speaking American that is in America...that is our right!
Posted by DebtorBasher on 2006-03-18:
Red...why would we have to know how to pronounce their name, when they are the ones doing the calling? I've deal with India everyday at work and belive me, they can not pronounce some of our simpliest names, but we don't change ours to make it easy for them...don't be surprised if we are forced to in the future though..lol...they've taken everything else from us, they might as well take our name too! It's just a cultural difference and a language barrier...I seen a special on TV and they said they take on American names so that the people getting called "thinks" they are calling from the US...how stupid do they think we are??? We can tell. Of course we have some people from India that lives and works here in the US...but they are doing the name change to their advantage, not as a favor to make it easier for us to pronounce.
Posted by okidok on 2006-05-18:
Thanks a lot for the insight
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Unfair Harassment
Posted by PaigeK33 on 03/28/2004
COLUMBUS, GEORGIA -- Aspire Visa, also known as Columbus Bank & Trust, Providan ( they sold their cards to aspire) and CompuCredit who collects debts for Aspire has been harassing me on a daily basis.

The problem with this is I DO NOT owe them any money, they are calling here for my ex boyfriend, I have told them over and over again he does not live here, yet they do not listen to me.

They have screamed at me, hung up on me when I tried to tell them yet again that they have the wrong number.

Should I have to deal with this several times a day every day? Or be forced to change my phone number....the number is mine and has been in my name for years.
Anyone know what I can do? I have sent this company three emails asking them to stop, called and requested to speak to a manager, but they wont put one on the phone.

I do not think I should have to take collection calls for a debt that is not mine, nor should I be screamed at, or hung up on.
     
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Posted by PaigeK33 on 2004-03-29:
Thanks for the info, I have contacted the FTC, and I have been logging every call, and will continue to do so.
I like the tip about calling them back and telling them to KMA, will try that next. Thanks!
Posted by Mad Eye Moody on 2004-03-29:
Have they given you address info, fax #'s or any way you can contact them aside from the telephone?
If not, give me the 800 number and I'll find an address for you. You need to compose a cease and desist all communications letter; send it registered mail - and record all their calls if you can. I would also check your credit report to see if they've damaged your credit.
Posted by PaigeK33 on 2004-03-29:
the 800 number for aspire is 1-800-348-8783 and the one for compucredit is 1-866-816-7018. Is there any way they can put something on my credit report??? THe debt is NOT mine, and I had nothing to do with it...accept taking their phone calls.
Posted by Mad Eye Moody on 2004-03-30:
Not if your name wasn't on the card in the first place. They really can't do anything. Did they verify your SSN?
Posted by citrusbeam1 on 2004-03-31:
When they call, pick up the phone and then set it down and walk away. That'll piss them off!
Posted by PaigeK33 on 2004-03-31:
No my name was not on the card, and no-one has my ss number. I like the idea about picking up the phone and then walking away..your right that would piss them off....thanks all for the great tips!
Posted by sweetpineapplekitten on 2005-12-18:
the only thing i can tell you what to do is call your telephone provider, if you have verizon, thats good, ask for "call intercept" that will block out all numbers that call your number "private" or "out of area" and will give you the option to accept the call before they can hear your voice and/or add your number to the "donotcall.gov" that helps too
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Aspire Card is a Trap
Posted by Jbs0027 on 10/14/2006
The Aspire Visa Card is a Trap!!

My husband and I originally accepted the undesirable terms of the Aspire card because we had been trying to recover from bad credit. We wanted to rebuild our credit, be responsible, and buy a house. To do this we needed revolving credit to show we could make payments responsibly. Since with our bad credit, we would not be accepted by a respectable credit car, we went with Aspire as there were no other options. We understood the terms, read the find print that was provided, etc. We knew that we were getting a credit limit of $300.00, that we would be charged an annual fee of $150.00 and an activation fee of $29.00. Besides that there was the monthly maintenance fee of $6.50. This would mean we would start with a debt of $185.50. We were willing to make the sacrifice in order to help ourselves rebuild our credit. However, it soon went down hill. Two years later our credit is perfect, except for one thing, Aspire. Aspire is the only thing that is reporting badly on our credit and holding us back from our dreams of owning a house. Why? Because Aspire is now falsely reporting information to the credit bureau and we cannot get them to fix it.

The problems we soon found with being the proud owners of the Aspire Visa Card: First, we did not receive regular statements in the mail. They were hit or miss. But we would certainly get a prompt notice if we were late on a payment. We never really knew when our payments were due. If you call customer service, and can understand what they are saying in their heavy accents, we found out our due date was “on or around the 22nd”. What kind of due date is that? But that is the only answer we could receive from them. There is not any adequate online service to view your account and track your payments and purchases. You can see your balance and make a payment only. That payment online will cost you $15.00. To make a payment over the phone also will cost you $15.00. If we were to mail a payment, it would take weeks for them to post this to our account. If we were 1 day late on making a payment, there is no grace period, it was reported immediately (same day) as late to the credit bureau and any payment received would not count until the next billing cycle. So, if you payment was due on March 22nd, and they received the payment on the 23rd, you would be charged $35.00 late fee and your payment would not count for that month. So, on your credit report it would look like you didn’t make a payment at all that month.

Ok. We went through some financial hardships. Our Aspire account was closed and placed in collection status. A while later when we were on the recovery, we wanted to get things squared away so we could seriously buy a house. We were required to have no late payments in the last 12 months in order to be approved for a house. We each bought a new car, and had all our financials back on track and fixed. Aspire was the last. Aspire made us a deal that they would raise our limit to equal our balance so we would not be over the limit and they would reactivate our account. This way we could pay it off. Sounds ok. So we did it. We made a sizable payment, they raised our limit, sent us a new card, all set to go. We of course shredded the card because we have no intention of using it ever again; we just want to pay it off. Then right after we reactivated the account they charged us a $150.00 annual fee again.

We have a beautiful credit history of 12 months no late payments. We shop for a house, find a house, and go to do up our approval letter. A final credit report is run to check our credit. All of a sudden, we are reporting several late payments for Aspire on our credit. They reported activity on the card when the account was closed. Then began our ordeal. We called to find out why they were reporting activity during the time the account was closed. First, it was difficult to find a customer service person that we could understand. They have very thick accents and we could not understand most of what they were saying. It seems like they have standard things that they tell everyone because they will start a statement like they are reading it and will continue to finish their statement even if you are talking. Customer service was always unknowledgeable. From one phone call to another they had no clue what was going on. The said it was against company policy to provide a history of the account. We spent over an hour on the phone trying to get a history of payments and charges on the account. At first they would say they could only go back to the beginning of the year. On another phone call they would go back a year and half with history. We would ask was a payment made in March. He would answer no. So we would ask when the next payment was made, he would say March 24th. All the information they gave conflicted. So we decided to write a letter to dispute the late charges. We faxed a letter. A few days later we call to check and they said they hadn’t received it. So we fax it again and confirm that they received the fax. They said it would be 7 to 10 days for their research department to research and resolve the dispute. We received a letter from them that confirmed they received our letter of dispute. After a few days we called again. Every time you call you have to go through the whole story again. They insist they didn’t get a letter but we have a letter from them dated to show they did get it. Then they suddenly remember and are like oh yes, 7 to 10 more days. After 10 days they said we had to wait 7 to 10 more days. The next day I was told 30 days. It is completely ridiculous.

After our multiple distressing phone calls, we had a person from the credit department of our lending agency call with us multiple times to try to help. We argued for over an hour. We spoke with a customer service agent, than moved on to a manger name Ryan. We accomplished nothing of course. The next day our lending company pulled our credit again and it had changed overnight. Now the couple of months that reported late turned into 11 months of late reports. They actually changed what was reporting to the credit agency after talking to them on the phone.

It is ironic that the purpose of this card was to rebuild our credit and how it the only thing ruining our credit.

I told the customer service person that will call every day until I get results. Every day there is a different story from them. Nothing is consistent. I vow to list my experience everywhere to warn other about this card. I have already contacted the Better Business Bureau and am going to go to my Attorney General also.
     
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Posted by Anonymous on 2006-10-15:
What a nightmare, hope you get it straightened out and get your house.
Posted by spiderman2 on 2006-10-15:
If they are reporting false information and you cannot get credit to buy a house you can probably go after them for damages.
Posted by rhondam718732 on 2006-10-16:
Uhmmm you admit you made late payments...and no bill is NO excuse.
Posted by jbs0027 on 2006-10-16:
If I were reported for being late while the account was active that is fine. BUT, they reported late payments when the account was closed. How can you be late if the account is CLOSED? Please read before jumping to comment.
Posted by aspirehell on 2006-10-16:
I have my self vowed to post comments about aspire on every single consumer Website and it seem that everyone has the same problem I have.

Card annual fee was 150 + 25 processing fee 200 Balance was 300 = 100 Available credit


1) sporatic bills but you do get a late payment
2) No grace period at all. I once before sent a payment 7 days before due date and my payment got there the day it was due. They said they couldn't have posted my payment since it was few hours past the cut off time.
3) Managers are stupid and arrogant their customer service is in India and all their names are either John, Bob or Tom - Women are either Jane, Vicki or Jennifer which makes it hard if you ever want to reference them.
4) I fell in some financial problems and couldn't pay the card after 2 months went into Charge-off status and into THEIR collection department Even though the card was in collection status they still charged me Monthly Maintenance fees for the card and they also
charged me 35 dollars for over the limit fee and 35 dollars late fee so my 300 dollar limit amounted to over 1000 after a few months of not paying
5) I will be contacting My attorney general and I will also be contacting the attorney general for Georgia .
Posted by Jan on 2012-08-07:
They r calling me with harassing phone calls saying I owe $12,000 and I never had the card!
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Ruined My Credit - Now There Gone....
Posted by Jmom on 11/20/2008
CHICAGO, ILLINOIS -- Three years after repairing credit from my 20's I decided that I needed to establish a line of credit. I received the mail and there was a letter from Aspire Visa offering me a card. Well I remember calling my older brother and asking him if he had heard of the company, he said yes and that it was ok, just make sure you pay more than the minimum payment every month and just don't use it. well, the card arrived and I had the card for month's before I used it for gas. The bill arrived and the amount was $25-I paid $50. Month after month I would receive the bill and make the payment and then I ran into a hardship. I would call the company and I would always have a hard time understanding the reps, and I never received consistent information.

Eventually I requested to speak with a Supervisor and he was no help at all. I stopped making payments and noticed that there were fees being billed to the card that I had no clue about. I called and they basically said I should have read the fine print. Well after looking at my CBR this company is now reporting that I owe them over $1100 on a card that started at $80 limit after all the fees that deduct from the $300 they tell you the balance is for.

PLEASE REPORT ABOUT THIS COMPANY-

I hope after this I will be able to remove them from my CBR. They were suppose to help my credit and it ruined it....
     
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Posted by BobJohn on 2008-11-20:
"I stopped making payments..." that says it all. It is not the card's fault you now owe $1100, you messed up your own credit report.
Posted by Anonymous on 2008-11-20:
"I stopped making payments" Say no more.
Posted by Slimjim on 2008-11-20:
You stopped paying them and it's their fault your credit is ruined because they had the audacity to report your missing payments??? Maybe when you try again in your 40s you'll get the hang of how this whole thing works.
Posted by Anonymous on 2008-11-20:
Stay away from credit cards

Cash Only works well
Posted by jktshff1 on 2008-11-20:
Nah, slim, from the looks of it the 50's or 60's would probably be soon enough.
Posted by bill on 2008-11-20:
Am I reading this right? You stopped making payments and you are blaming them for ruining your credit?
Posted by madconsumer on 2008-11-20:
huh?
Posted by spiderman2 on 2008-11-20:
What I think your brother meant when he told you to pay more than you owed was if you had a balance, don't just pay the minimum, pay more towards the debt. Just because you pay more than the minimum due, doesn't mean you can stop paying when you owe money.
Posted by Brenda on 2013-07-22:
Aspire visa is a scam, a rip off and every other bad word u can think of . They charged me $150 a year annual fee never gave me one penny , I only used $49 of my money that I had to put into account. They were just supposed to report my timely payments to credit companies. Well I also got stuck paying monthly fees along with payment ( of my own darn money ) plus annual fees. The $49 ended up being over $900 in fees !!! No matter what I paid that balance grew and grew ! I paid over $400 in fees for using $49 which I put into account to begin with. I finally quit paying so dont dare tell me that is why credit is ruined and its my fault. U will never be rid of these people and will never get balance down. I'm not paying $5000 for charging $49 .09. This was almost nine years ago and their still bugging me. Calling me at 7:30 in the morning and at work. I'm ready to sue the hell out of them I have no merchandise, no nothing yet they want me to keep paying because they say so ? Their loansharks !!!! Run from this company !
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