One of the credit cards on my report is the Ace Visa. I inadvertantly got ripped off 2 years ago by them when they called me on the phone and took me through the "application" process. I ended up with a credit card from United Credit National Bank with a 400 limit---essentially, a secured limit because there was no credit on the card when I got it. (I.E. I owed them 400 for the educational bs they sent me!) They sent me some books and videos with the card for "credit education", which I sent back. I got one bill from them for a few consecutive months, and disputed it. Over the phone, of course. (I had just turned 18) I didn't hear from them again. I guess I thought it was "over" Now they've reported me. My acocunt isn't in collections, though, so what gives? The item listed on my report says they closed my "revolving account" with them. I never paid them once, and I never COULD use the card. My big mistake was not sending the cardback, not disputing with certified letters, etc. However, I never signed a contract of any kind. I was processed over the phone when THEY called me. Should I write to them or dispute the information on my report? They really can't have "proof" of the debt if I never used the card, can they? Can I ask them for a copy of the contract? I know for sure, 100% that they never sent me a contract. What should I do?
Why not send letters of complaint to the Beter Business Bureau, and also Visa International for letting such crooks use their brand name.
