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★☆☆☆☆

“Worst Customer Service - STAY AWAY!”

written by on 08/09/2012

What seemed to be an average card that is marketed to people who have had credit problems in the past, turned into a nightmare.

Apart from exuberant interest rates (typical for this kind of cards) they also have numerous hidden charges for this and that.

I have been making automated payments from my bank account to them for a couple of years now, but last month I decided to pay off the entire balance via their online payment service. It was on August 15. On September 5th, I started receiving phone calls from a toll free number 800-551-0646, in 15 minute intervals. They would just call and hang up when I pick up, or leave an automated message from "Mary from Card Services" who has an amazing offer for me. As I called to yell at them to stop harassing me, it turned out that they are Aspire Collections department who were calling me, because my payment of a little over 40 dollars (!) hasn't gone through, because of a typo in the bank account number. Even if I had made a mistake entering my account number, they would have figured this out in a couple of days, maybe a week, but I cannot explain why it had taken them FOUR WEEKS to contact me. Secondly, their contact approach is, nicely put, strange. I would not usually return calls that seem to be from a telemarketing service. Should there be a problem with my account, I expect to be contacted properly, even via telephone, but with an indication where the call is coming from and that it is regarding my Aspire account and not Mary with the irresistible offer. Because of their inadequate customer service, my account had gone past due, and there is a possibility that this shows up on my credit report (or if I hadn't closed the account and this was actually the final payment, it would have eventually triggered higher interest rates, which makes me suspicious whether I had indeed made a mistake typing my account number, or they were just scamming me,...)
When I complained about this, the phone associate by the name of "Josslyn", which was clearly made up, since I could tell the call was handled somewhere in Southeast Asia, started yelling at me and saying that they are the collection agency and not the customer service.

There are much better credit cards for rebuilding credit out there, such as Capital One, or HBSC.

STAY AWAY FROM ASPIRE!

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