- Jurisdiction
- Florida
I purchased a Kirby vacuum from a door to door salesman with financing through Merchants Acceptance. I was skeptical from the beginning and gave them a low credit limit credit card to process payments with. They processed my payments as "Cash Advances" and racked up fees and APR for said cash advances, even putting the card over limit several times. I called the Credit Card company (assuming it was them) and they said it's the way that the merchant was processing payments and that they shouldn't be processing it like that. They said I should cancel the card and speak with the merchant about all the fees accrued. I called and spoke with a representative (who wouldn't transfer to a supervisor) and I specifically said I wanted them to credit my account for those fees and the Cash Advance amounts that I'd have to pay APR on until the card is paid off. The representative "spoke with her supervisor" and They only agreed to roughly 1/3 of the fees. However they said I had to do it right then, the offer only lasted that day. I do not want to do that without written documentation of them crediting my account. (Let alone they do not provide statements or updates whatsoever about the account, I have to keep track with my Credit monitoring app.) I told them that isn't fair for what they did with my credit card and I canceled that card and wouldn't provide another form of payment until they credit for the full amount of fees. Ever since we've been at a stand still and they're negatively reporting against my credit reports, I haven't been answering phone calls anymore either. I am worried about this turning into legal action and potential wage garnishment as I have read from other customers with these same issues. They're notorious for these kind of practices. The BBB is full of complaints similar to mine. I am not sure what to do, I am afraid to give them access to any account of mine because of how they process payments let alone all the fees that are now accrued from non payment.
Any help or advice is beyond appreciated.
Thanks,
Kim B
Any help or advice is beyond appreciated.
Thanks,
Kim B