Sheri of Fort Wayne IN (09/15/08) to enroll in the program we were told they needed an 1,800 deposit to show our creditors we were really serious about this program. our credit is worse than it was when we started the program (although some balances have gone down). we received a letter in the mail from an attorney that they were doing illegal business in the state we reside in, which is ind. we had two choices 1. to drop out of the program 2. transfer to green path.
we did decide to transfer over but they will not refund our money. the original statement was that upon completion of their program in 56 months, we would receive this back. we are no longer doing business with them as a company because of a lawsuit and they are refusing to return our deposit. we asked that they transfer these funds over to green path in order for us to start the program with them and they are still refusing.
from the very beginning of their program we were late on all over our payments. they told us NOT to make our oct 2006 payment because of the ,1800 payment in advance. this ruined our credit right off the bat. before joining this program we had a 780 credit score, we just needed help getting out of debt sooner. now my personal credit score is 520.
we do not qualify for low interest loans therefore have to pay the price of high payments for everything. we are now suffering financially because of this. we were originally told that they could give us more money to work with during the month (more cash flow), instead our monthly payment to them kept going up and up and up. it ended up being about 500 more than originally quoted and we were stuck.
R of Eugene, OR September 7, 2008
R of Eugene OR (09/07/08) Starting a couple of weeks ago I began getting harassed by a phone 'bot calling in regard to someone who apparently had my Cell phone number previously. The 'bot instructs me to call the number referenced above if I am not the party they are attempting to reach. When I call, they appear to have caller I.D. as they already know the account they are trying to reach. I ask them to stop calling this number, that the party no longer is associated with it.
Then they start asking inappropriate questions of me such as name and phone number, which I'm reticent to provide over the phone to anyone, for any reason, but they tell me if I don't provide them with my information they will not stop calling. I know full well they are aware of the number the 'bot called, and my right to privacy should preclude me from having to be associated with someone who's account is in default by providing them with my name, phone number and whatever else they chose to ask simply because I was issued that party's old number.
Apart from having to waste my minutes to call back to ask they remove my phone number from their list, they are in fact harassing me, which is resulting in unnecessary emotional stress.
Barbara of Grand Junction, CO September 6, 2008
Barbara of Grand Junction CO (09/06/08) I ordered the card because I wanted to build my credit. However they promised to take out the 250 dollar start up fee in payments. They took it all out at once then we received the books but we had to pay a down payment for any credit, not to mention the prices for items out of their catalogs were 3 x the amount of walmart items at the same apparent quality.
We tried to cancel and we were told it was a no refund policy. In the end we didn't ever order anything and so we were never taken for more then 250 dollars, however that's a lot of money for a family with six children barely making it from payday to payday.
David of Fort Worth, TX September 4, 2008
David of Fort Worth TX (09/04/08) The cards are not real but I did everything they asked but I didnt buy anything. This all happened right before I deployed. Right now there is hardly anything I can do till I go home on R&R. As of right now they are billing me but I need to put a stop to it.
Money deing taken out of my account that is not doing anything for my credit. Barly being able to pay Bills.
Olabiyi of Houston, TX July 25, 2008
Olabiyi of Houston TX (07/25/08) I am a member of the cca 1st national card,imade an order and up to date have not received my order even when I learnt of the changes,i still write to the above address as dictated on phone but have not heard from them since then.
I have up to 300 tied down with all in the name of membership and renewal.
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