Complain about a product or service

Imagine Mastercard

Crystal of Fayetteville, NC November 17, 2009

I have had the Imagine Card for 4 years. I have never been late I was trying to build credit. In May 2009 I got my bill and was charged a 35.00 late fee. This was the 1st. I was upset and called the company and was told that I made my payment 1 day late and my due date changes from month to month. I quickly cancelled the acct. Did want to deal with them. I paid the late fee. The next month I called cause my payment wasnt debited from my acct. I received another 35.00 late fee and refused to pay it. I told the rep to change my due date from the 28th to the 1st. Since July I have been getting monthly calls from Imagine saying that I am behind. I make my payments on time each month and the rep that calls me agrees. He told me in Oct2009 that he was going to credit 70.00 of late fees cause I had my date changed and the company didnt adhere to what they agreed upon. 3weeks later(nov17) I get another call telling me that I am behind. WOW!!! This card is haunting me. I just want to pay it off as soon as possible. I am still being charged 9.95 a month for maintainence fees. I closed the acct. what maintanence? I guess I am paying them to harrass me for not being late.

Michael of Hershey, PA September 23, 2009

Last month Imagine charged me 100 for the yearly credit card fee. This month I get a letter stating that their credit card program has ended, and that my account will be closed immediately. If they would have sent a letter, stating their intentions, before charging me the annual fee of 100, I would have payed the balance off and cancelled the card myself.

michael of walls, MS September 13, 2009

got a letter today saying 'notice of termination of card program' and my account was closed. ive had my imagine card for about 5 years, never ever a late payment and never over my limit. so i called and this jennifer told me it was not because of my credit history with them, that because of economic conditions they were closing all accounts.

vicki of bennington, VT September 5, 2009

well i have had this charge card for a couple of years now have never been late never over the limit.I have it set up to come out of my checking account every month at the same time well about 2 months ago they charged my annual fee to it wich made my payment go up to 36.00 a month wich i had it set up to send 30 i had forgot to go onto my online banking and change it. well a few days later i got a letter stating that my charging priveleges were suspended until my account was current so i immediatly updated with my bank to send them 50 a month and now they will not reestablish my account over 6 dollars after never being late or anything before.I obviously didnt have good credit thats why i have this card and i have worked so hard on fixing my credit and now this is going to effect that.

RENEE of Cambridge, MD July 22, 2009

I received a card from this company. I went to use the card one day and it was declined. I was told that my card was closed due to overlimit in my account. I had payments set up from my checkings account over the amount that was requested. I went over the limit due to a new service fee. When you call you get a lot of foreign people who half of the time cannot understand you and you cannot understand them. I don't mind that the account is closed because I donot want it any more but I do mind that they put something against my credit reports because of something that was not my fault.

I also feel that if they are closing your accout that all fees of any kind to stopped also and a basic payment to pay off the account is all that you pay since you did not request for the account be closed. What company regulates this company? Do they have free reign to do what they want? How many people will have to be swindled before someone in authority steps in. They should be made to shut done and the credit bureaus should be made aware to not use any information coming from this company against my credit or anyones elses.

Betty of Cambridge, MA June 23, 2009

I received a bill with the due date listed as July 4 2009. I noticed on the bill that I was charged a 9.95 monthly account maintenance fee in June. I didn't realize at the time that this was happening as I was trying to keep a 0 balance on the card and using it in emergencies. I also noticed that I was charged a 35. late fee for not paying the 9.95 on time.

I called to complain. The bill stated that my minimum payment due was 71.51 my total balance was 166.61 which I paid. Friday 6/19 I tried to use the card and it was declined. I returned home and called Imagine and was told that my account was closed because I did not adhere to the terms.

Today I called and inquired why the account was closed when my statement says the due date is July 4. They told me several different stories. One being that I went over my balance. Not true. Then they said it was because I was late making a payment. When I told them I had the bill in front of me stating that my account was 10.05 past due. It was then that Paul was put on sounding as if he was reading from a script and basically I did not resolve the problem. I then informed them that I was reporting the company to the BBB and the Attorney General's office in my state for deceptive business practices. It was then that I was told that a manager would call me back.

Denese of Memphis, TN June 16, 2009

Initially my payment to them was through my bank. For some reason my bank stopped making payments to them in November 2008. Imagine starting calling me until I made the payment in December every day 4-5 times daily. They even cut off the card privileges. My balances was only about 400. at that time. When they reinstatedthe car, they raised my limit to 550. All the while I was making the correct payments and even additional payment amounts.

In May 2009, I forgot about the monthly payment until the day it was due, however, I sent the payemnt off right then. I called about a week later to see if the payment had arrived, which it did, but I was charged over the limit fees and overcharge fees. I was told by a foreign speaking person, that I need to make a 50.00 payment by my next due date and they would take off my overcharges, which I did. When I called about the extra charge fees, another foreign speaking person told me my accoutn has been cancelled.

I asked for a manager, who could not answer why my account had been cancelled except for bank policies. The extra fees were taken off leaving me with a balance of 506. well under my credit limit. Now the phone calls have started again, saying I am past due 50. Help me find out the problem with this company. No consumer shoukld have to put up with this type of harrassment. Could they be promoting illegal activities?

allita of woodlynne , NJ May 28, 2009

they reported negative information on my credit report.

Dee of Glendora, CA May 22, 2009

Dear Folks, consider it a blessing that Imagine has closed your accounts, and I do not mean that in a cheeky, nonsincere way. They clearly have inferior customer service and credit card policies. As you can see, Imagine is going down, quicker than the economy is, and even quick then unemployment is rising. The ONLY unfortunate story of this whole fiasco with having an Imagine Credit Card, as you can imagine (no pun intended) is their lack of ability to take personal responsibility for THEIR poor choices, behavior and policies, and instead blame the consumers with finger pointing; not unlike our current politicians in DC. So, having said that, I vote pay them off, sit on the bleachers as the spectators, and enjoy the show as they go down, down and more down....with no customers left to falsely blame.

chris of glendale, CA May 10, 2009

I have had my account from Imagine for nearly 4 yrs. When I received my account, I immediately set up the online payment. It worked beautifully UNTIL...I shopped at Marshall's/TJMaxx. They had a computer breach and consequently Imagine closed my account, and issued me another card. The letter I received stated my account was closed and reported as "LOST OR STOLEN". Which made my score plummet. Then I get the new account, I sign it up online, thinking everything was going to be ok...it wasn't. I am not sure what happened, but, no payments were being taken from my bank account as before. I wasn't aware of this, and received one of the letters saying my account was closed due to non payment. Then the calls from India started, the call center, which is NO HELP WHATSOEVER, I received up to 6 calls per day...I tried several times to speak to someone at the home office in Atlanta, but that was a joke. No one would call me back to discuss my account or address my concerns.

Then one day, I get a phone call saying they would like to offer me a new account if I pay the back bill and fees. Which I did, they re-instated the account, and I signed back up again..ONLY to find it wasn't linked up..so I went 31 days past due..and the calls started again. I paid it online, and all was fine or so I was told. A few days later, I paid the entire account off, 650.00, paid in full. The next day I got the letter stating my account was closed due to not living up to my end of the bargain. I called the phone number and was back speaking to "Veronica Daniels" with a heavy Indian accent. I expressed my feelings, anger, etc. at how I have been treated,and she just said.."I am sorry, there is nothing I can do."

I asked to speak to a supervisor...What a joke...The guy on the other end of the phone said he would take my concerns and forward them to an account manager for review since I did pay it off rather quickly. He told me someone would call me in 4 days, I waited, no calls. I finally called the number he told me was the account manager, and it was the call center in India..AGAIN. No customer service, multiple fees, and was not called when promised, and I was told that the "account manager" declined to re-open my account due to my history of late payments. This credit card company is shady at best...THEY ARE THE WORST OFFENDERS OUT THERE...STAY AWAY FROM IMAGINE....bad news, bad service, bad experiences. They are not out to help you as they say. Major rip off. I have reported them to an attorney, and the Better Business Bureau. I hope someone call help.

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