🚀 go-pugleaf

Provident has been the subject of numerous consumer compliants for such tactics as holding 
payments until after the due date in order to collect late fees, refusing to accept payments 
from bill pay services or hold such payments for weeks. Bait and switch interest rates 
(signup on promise of 10.9% and after one month rate is bumped to 21.9%.

It isn't just with credit cards that banks are getting greedy and dishonest with. I caught 
Union Bank of California padding my account with fees for services I never used (excessive 
human teller visits when I did all my banking via ATM). I wrote to the Comptroller, and UBOC 
made me a settlement offer. 

Banks have a zero tolerance policy when their customers make mistakes, so the customers 
should have a zero tolerance policy for bank errors and abuse.

Also having a credit card is pretty much manditory if you want to rent anything. Also paying 
for some items via cash can quickly lead to an unpleasant encounter with the police. 
Airlines will often flag you to law enforcement if you pay for your ticket via cash. Travel, 
even domestically, with more then a few hundred is cash is very risky as the police can 
seize currency at will and hold it until you prove it was acquired legally.

In article <38ca6f20.13021060@nntp.usit.net>, d@noospam.com says...
> And exactly what have they done to you?   Are you sure it's not really
> due to you not being able to control your own profligate spending?
> Pay them off every month and you'll likely never have a problem.
> And, by the way,  no one is  forcing you to have a credit card in the
> first place.
> 
> Iceshoes wrote:
> 
> >x-no-archive: yes
> >
> >Got a problem with your credit card company, many people do.  I think
> >everyone should start a letter writing complaint against Providian,
> >FirstUSA, Fleet, etc.  Send a message, that these are criminal
> >organizations with bad consumer practices.
> >
> >The regulatory agency will get your letter, and open a case against
> >the bank (takes at least one month for receipt and acknowledgement),
> >then they will follow up by asking both sides for more info, then
> >issue a judgement in 45 days.  Its worth it IMHO, these organizations
> >has to learn the meaning of the word STOP.
> >
> >Comptroller of the Currency
> >Customer Assistance Group
> >1301 McKinney St. Suite 3710
> >Houston, TX. 77010
> >
> 
>