I Just received an insert in my bill informing me that they were raising my rate to 22.99% based on my Experian credit report. I called and they said that is was because I had a lien/judgement reported. I have Credit Expert so I pulled my report, so such information was on my report. There was a judgement on my report about 5 months ago but I disputed it and it was removed. I then talked to the credit dept at First USA and they pulled my report and agreed that I had no liens/judgements but said it was because I had a history of lates and that I had been 90 days late with FUSA recently. The last time I was late with them was in 1998 and my last late was in Jan of 2001 with another company. I keep getting changing stories with these people, does anyone know of A person I can talk to at that company who I can straighten this out with? Pissed off in Virginia
This is not the first time that their Experian information conflicted with "real life." Just keep going up the food chain at FirstUSA. You need to be persistent until you reach someone in the right department who cares enough to help you fix things. They're very compartmentalized...don't give up. Kick back, take notes, and enjoy the view while you get bounced around. Now the bad news. After you think you've fixed things, keep an eye on your account. It's bound to get screwed up again.
P.S. My reply was *not" an attempt at humor. It's frustrating dealing with them - especially when you're in the right. My advice is to keep your cool and be courteous - as difficult as it may get to be.
Thanks, I wrote a letter using PFB stating my case, I will keep at it. I find it hard to keep my blood pressure down when I deal with these people. I was hoping that FUSA had someone like a Mr. Cooke at Cap One I could deal with.
If there is such an individual there I haven't seen him/her listed in any of the threads or R phone numbers.
Re: Re: First Usa Raising Rate I haven't had a problem with them in a while now. I started with FUSA, and after cleaning my credit, I got the free cash platinum card. I just confirmed that I have enough points to get back $75.00, and I should be getting it next week. I think that's pretty cool
Re: Re: First Usa Raising Rate Don't get too complacent, rackt8. Keep a close eye on your credit limit and interest rate. You'll be boppin' along - fat, happy and content - then POW!FUSA will sneak up on you with changes based on incorrect info. And then the fun starts.
Re: Re: Re: First Usa Raising Rate I keep an eye on it, and never keep a large balance. So I don't worry about it. Right now I've got a 9.9% rate and no annual fee... currently trying to get them to lower the rate; no luck yet.
I keep getting changing stories with these people. Dstorm ================== They can use anything good or bad on your reports against you to screw you like this. The END ************************* LB 59
Re: Re: Re: First Usa Raising Rate I keep getting changing stories with these people. Dstorm ================== They can use anything good or bad on your reports against you to screw you like this. The END ************************* LB 59
