OMG, Jack is in Shock

[jack1212]

I had an earlier thread in which Aspire had tacked on TONS of charges after i got caught up. The card is overlimit, and expired anyway.

All e-mails were generic. "We cant help you, blah, blah".

 

So, i filed a BBB complaint. Today i am in shock!

 

 

Results:

 

Dear Badass Jack,:

We acknowledge receipt of your correspondence from the Better Business Bureau concerning your Aspire Visa account. Pursuant to your request, your account was placed on a "mail only" status in October 2007.

According to our records, we received payments that brought your account to a current status in October 2007 and November 2007. To keep your account current, payment needs to be received each month by the due date reflected on your statement. Since payment has not been received since December 8, 2007, your account balance has been incremented by late and overlimit fees. As a courtesy and to assist you in repayment of this debt, we have brought your account to a current status and enrolled you in our hardship program which offers 0% annual percentage rate and a minimum payment of 1.5% of your balance until the account is paid in full. We have also waived fees totaling $350.00 and these transactions will be reflected on your statement within two billing cycles. We have requested the credit bureaus to delete any delinquency reported on your credit files since September 2007. Please allow the credit bureaus 60-90 days to update your credit report.

You also stated when you sent us e-mails requesting a payment program and you did not receive a response. A response was sent on February 25, 2008 advising you we did not have a payment plan that would assist you with your account and your could seek assistance through the Consumer Credit Counseling Services and provided you with their toll free telephone number.

Thank you for the opportunity to be of service.

Sincerely,

Nice Lady

Executive Correspondence Staff

On behalf of Aspire Visa

 

 

It's gonna be a WONDERUL day!!!!

 

Jack1212

[carriesue]

[bird2006]

I had an earlier thread in which Aspire had tacked on TONS of charges after i got caught up. The card is overlimit, and expired anyway.

All e-mails were generic. "We cant help you, blah, blah".

 

So, i filed a BBB complaint. Today i am in shock!

 

 

Results:

 

Dear Badass Jack,:

We acknowledge receipt of your correspondence from the Better Business Bureau concerning your Aspire Visa account. Pursuant to your request, your account was placed on a "mail only" status in October 2007.

According to our records, we received payments that brought your account to a current status in October 2007 and November 2007. To keep your account current, payment needs to be received each month by the due date reflected on your statement. Since payment has not been received since December 8, 2007, your account balance has been incremented by late and overlimit fees. As a courtesy and to assist you in repayment of this debt, we have brought your account to a current status and enrolled you in our hardship program which offers 0% annual percentage rate and a minimum payment of 1.5% of your balance until the account is paid in full. We have also waived fees totaling $350.00 and these transactions will be reflected on your statement within two billing cycles. We have requested the credit bureaus to delete any delinquency reported on your credit files since September 2007. Please allow the credit bureaus 60-90 days to update your credit report.

You also stated when you sent us e-mails requesting a payment program and you did not receive a response. A response was sent on February 25, 2008 advising you we did not have a payment plan that would assist you with your account and your could seek assistance through the Consumer Credit Counseling Services and provided you with their toll free telephone number.

Thank you for the opportunity to be of service.

Sincerely,

Nice Lady

Executive Correspondence Staff

On behalf of Aspire Visa

 

 

It's gonna be a WONDERUL day!!!!

 

Jack1212

 

wtg!!!

[mdj2000]

lol, congrats, my limited experience with the BBB is they're simply a sham organization set up to bilk the local businesses.

[CrapOneSux]

Congratulations! Posts like this are always inspiring to the rest of us.

[mrliberty]

When I owned brick and mortar stores, the BBB were the enemy. Still are, but I am glad they helped you, that's rare.

 

The minute I joined the BBB as a "member organization", I started getting hassled over every little thing regarding items we sold (which were VERY high maintenance items that required a lot of dedicated by the buyers). I think I spent 5 hours a week responding to BBB "threats" over customers who'd buy $1000 items that require 2-3 hours a month of care that would break when they didn't maintain them properly. The BBB was terrible, and I'm glad to be away from them.

 

Nonetheless, if they can help clear up a ridiculous organization like Aspire, congrats!

[Frisbee]

Jack, is this our first April Fools Joke thread!!!!!!

[jack1212]

lol, nope not today.

 

 

oh crap, hope it's not their april fools response.

[Jen23514]

:rofl:

 

WTG!

[jack1212]

I think the trick to this one was that i was dealing with an OC, still in the SOL.

 

So i used the "I'll work with you if you work with me" approach.

 

Always starting off nice does wonders.

[Frisbee]

lol, nope not today.

 

 

oh crap, hope it's not their april fools response.

 

You know, if other OC's would respond in a similar manner, an awful lot of problems on both sides of the table would go away.

 

The usual answer to your BBB complaint would have been, "too bad, it's universal default for you, and we're doing it BECAUSE WE CAN".

 

This is a win/win. Sure the OC will scream about losing interest/fees, etc. However, in the long run they are ahead because the account will be paid and just maybe they will keep a customer. They won't have to waste time sending this to their collection dept. Phone calls/letters don't need to be sent.

 

win/win. Good for you Jack. Let's hope it's the beginning of a new day.

[jack1212]

Yea, i learned a valuable lesson. WORK WITH THE OC BEFORE IT'S TOO LATE!.

 

Cant stress that enough. If you cant pay, or need help, TELL THEM!

 

Let them know you want to remain a customer. Good points Frisbee.

[Frisbee]

Jack, did you call them or was everything in writing?

[jack1212]

Jack, did you call them or was everything in writing?

 

I called a few months ago to get caught up. It was my debt, and i owed it. i had no problem with that. The lady was SO nice and helpful, that i asked to speak to her supervsior. She asked why, and i told her i wanted to put in a good word for her. and i did!!

 

(Jack doesnt do that often)

 

But later on when things got off track again, i used e-mail for a papertrail.

[toopooor]

Since payment has not been received since December 8, 2007, your account balance has been incremented by late and overlimit fees. As a courtesy and to assist you in repayment of this debt, we have brought your account to a current status and enrolled you in our hardship program which offers 0% annual percentage rate and a minimum payment of 1.5% of your balance until the account is paid in full. We have also waived fees totaling $350.00 and these transactions will be reflected on your statement within two billing cycles. We have requested the credit bureaus to delete any delinquency reported on your credit files since September 2007. Please allow the credit bureaus 60-90 days to update your credit report.

You also stated when you sent us e-mails requesting a payment program and you did not receive a response. A response was sent on February 25, 2008 advising you we did not have a payment plan that would assist you with your account and your could seek assistance through the Consumer Credit Counseling Services and provided you with their toll free telephone number.

my, how things changed... first they didn't have a program, now they do...

[mdj2000]

lol, nope not today.

 

 

oh crap, hope it's not their april fools response.

If so, make sure you send them an april fool's payment

[Ondacreditrebound]

Yea, i learned a valuable lesson. WORK WITH THE OC BEFORE IT'S TOO LATE!.

 

Cant stress that enough. If you cant pay, or need help, TELL THEM!

 

Let them know you want to remain a customer. Good points Frisbee.

 

 

Do you guys think this is as effective with OC charge-offs or will the OC see it as too much of a pain to retract from CAs if the accounts have been sold? I would LOVE to start repaying my OC debts, get the TL's updated to current, in turn adding more positive TLs to my CRs. Unfortunately, there are some which cannot be PIF'd at this time but that would be great if it worked that way.

[jack1212]

Usually after CO, they wont work with you. In my experience anyway.

 

They refer you to the CA.

[elFloyd01]

Nice Jack, very nice!!!

 

 

 

elF

[Frisbee]

Jack, did you call them or was everything in writing?

 

I called a few months ago to get caught up. It was my debt, and i owed it. i had no problem with that. The lady was SO nice and helpful, that i asked to speak to her supervsior. She asked why, and i told her i wanted to put in a good word for her. and i did!!

(Jack doesnt do that often)

 

But later on when things got off track again, i used e-mail for a papertrail.

Class act Jack! I'll bet it was notated in your file that you did that. A little extra effort on your part probably brought you the above BBB results.

 

Good lesson. Nice work.

[geeharry]

Congrats Jack!!

 

Seems like it might be in reaction to what's happening with the credit markets and the present state of things. They understand what's important to us about having bad marks on our credit report because it doesn't help the situation and they could see you were willing to make good. So come out with a win-win situation as others have said. Good for you!

 

Maybe all of this economic downturn talk is doing something. Juniper just reinstated my card that they cancelled due to a BT to NFCU after talking to them. See my other thread for more.

[C R]

Absolutely awesome! Congratulations!

[shelgal]

Wow Great news!! Congrats!!

[perkinsmom]

Jack-

 

I went through a similar situation with Aspire several months ago. I ended up so livid with their lack of willingness to fix it, that I e-mailed the CEO of CompuCredit (the company that owns Aspire), and he PERSONALLY e-mailed me back within 1 hour, apologizing. Then, 10 minutes later, we received a phone call from a member of senior management. She was beyond nice. The took off all fees, corrected our credit report (within 3 days!), AND gave us a "courtesy credit" of 40.00 to our account. The next day I received another e-mail from the CEO asking if everything was taken care of to my liking, and saying to e-mail him personally if we had any other problems..THAT was a great day!!!!!!!!!

 

CONGRATS on your success!

[nooneimportant]

That's great, Jack. I thought the same thing as Toopooor. It's funny that they suddenly have a hardship program after you send a complaint through the BBB.