Complaint Review: Emerge Mastercard - Columbus Georgia

Listen... if you are with a credit counseling company (hereby referred to as cccs) then you cannot be late with your payments, period. If you continue to miss or be late with your payment, you might as well give up. As to changing your due date,that is easy. Get your account current, and then call the customer service # and request it. More than likely, they will change it. As for the phone calls..when you used/activated the providian card, you agreed to thier terms of service. One of those terms was that they could sell the account at any time, and that would not negate the responsibility to pay that debt. Since emerge was the one to buy your account, you must follow thier terms of service, which you can get by calling customer service. **Any time you are late on a payment, you will recieve collection calls at home and at work until the past due amount is paid, including the current months minimum payment. That is the way it is with all credit card companies...granted, emerge is a little more agressive than most. Just call customer service if you are current, collections if you are not, and ask them what needs to be done to make the business relationship more agreeable.

Seriously, phone harassement is illegal in every State of the Union. They are not supposed to call you like that, and it is counter productive to their own expence/labor cost overall. This is a hard to find corporation. Hmmmm, I wonder why? We don't know your "Terms of Aggreements or Conditions" with them, so it is difficult to suggest anything in this area. If possible, could you ask them to change your due date? Most reasonable credit cards allow their customers to schedule their due dates, and reschedule as needed. Maybe you need one at the end of the month. This would benefit both sides. If they refuse, they are weird. Then you just need to cut your ties with them. Could you transfer your balance into a new credit card? Even if you are rebuilding your credit, there are still others who would be willing to work with you. Explain your situation, and see if your Credit Counselor can vouch for you. Sometimes they'll even give you a promotional low interest for the first six months, just to take your money away from the other company. You also did not mention late fees, which leaves me concerned. You may be better off with ditching them, and going for a higher interest card, if you're barried in late fees anyway. The amount that you owe is also not mentioned. If it is a large enough amount, your credit counselor might be able to recommend some kind of a loan program. If you're still trapped or they are still harassing you, say that you have a tape recorder. Next cordially ask them if you may record these calls. Even if they say "no", they'll have it in the back of their mind. This may not be possible, but have your credit counselor listen in, while you make a phone call to them. Tell them he or she is your "Expert Witness", and needs to here the conversation. This one is really unorthodox, but what can it hurt? Send them an article on "stalking", and what laws are enforced in this area. This along with a letter, insisting they not stalk or harass you any longer. Well, this may not be the best, but I had to try. I hope everything works out for you. Take care. Consumer Advocate-Volunteer