First Access Card

Have paid my one time access fee of $** and my initial yearly fee of $*** in *** Now I've received a letter saying I owe $**No explanation
I have been billed an extra $** for no apparent reasonI have not made any purchases on the cardThere is no way to speak to a live person at this business to ask for explanationOnly options for paying when you callI should not owe anything for the first year of my contract period and the dispute process seems so tediously set up as to make sure most people just pay upI would like them to rectify the situation by canceling this unwarranted charge and honoring my initial agreement(No monthly fee for the first year and $** per year annual feeEither that or cancel my card I wouldnot file this complaint if I would be able to have a live person correct this issue

Unable to use card after making payments for last months
Limit is $*** Made $** payment isn *** and $** payment in *** which left my balance owed at $*** My available credit should be $** but I am unable to use my cardContacted First Access and they gave me run around that there is a day wait to process payments from checking account which never informed about but still I should have $** available which unable to use card I canceled crd on *** ask for final bill done with this company that is suppose to helo build credit but yet after you pay bill you can't use it Also want correction to credit report that I closed account

on ***, I contacted First Acess to make my monthly payment of *** per the previous repSpoke to rep and she stated that my payment was
on ***, I contacted First Acess to make my monthly payment of *** per the previous repSpoke to rep and she stated that my payment was ***I advise that I will make the full payment amount between to cards said it was alrightMultiple times I said that and she said alrightOnce payment was processed she advise me that I can only make one payment every daysWowSo now I am going to get a late fee for the rep mistakeSpoke with *** employee I'd # *** wont let me finish my statement actually took the rep ide stating that she assume I had a *** card and was making the other payment on that cardClearly this company is charging late fees unfairlyRequest a Manager and *** is the only one availableSomeone needs to look into their practices

Blocking payments for days seems very unethical Since the customer is not allowed to pay , you still charge late fees
Blocking payment for days is very unethicalThis company charges late fees even though they have made the decision to block the account from payment Mail in payments has been lost and you end up being late because they lost the payment and even though you have proof that you sent it in ahead of time the fee is not removedCustomer Service is very rude!!

They are harassing me to pay for fraudulent charges on my card and filed a negative credit report on me for charges I didn't make
I was trying to pay for an item and had my card declinedWhen I investigated I found that there were charges on the card from *** and ***- two cities I have never visited- in the same dayI reported this as fraudulent and they gave me a number of steps I would need to take to remedy the situationI was required to file a police report and I had to wait for the police to investigate the situationIt took quite a while so I finally asked for a preliminary report and sent all the information inI asked on several occasions if they had received the information and they said "no." I had to send the information on three separate occasions before they finally admitted that they received it
During this time I was called almost daily by them asking me to pay the full amountWhen I got tired of answering the calls I asked them to please just l

Fraud process ***
I got this card to rebuild my creditAfter paying $** processing fee and $** annual fee, I used the card and paid more than the minimum payment and before the due dateOn *** I reported fraudulent charges to my cardAt that time I was told a fraud packet would be mailed outHere I sit on ***, still no fraud packet and after numerous attempts and requests to have it emailed....still no fraud packetThe fraud department actually declined to even accept my call to be transferredThey also reported the cancelled card as a closed account and the with the fraud charges maxing out my card my credit score dropped ** pointsAdditionally, the fraud department is not open on the weekendsThat's great for fraud protection, right? DO NOT GET THIS CARD IF YOU EXPECT ANY KIND OF ASSISTANCE SHOULD THIS HAPPEN TO YOU

First Access Card -- charged $89.00 processing fee, never sent card. One month later still no card... "Ellen" confirmed it should've been received one month prior. Asked for the tracking number, one could not be provided... no explanation as to why an "expedited" item had no tracking number... company refused to send a replacement via FedEX or other traceable delivery company. "Supervisor Lisa" was a rude woman who did nothing to help, but rather cut me off at every opportunity, and advised me I would need to wait for a replacement card which they couldn't guarantee I would receive much less give me an idea of when I could expect the new card to arrive. After voicing my concern with their poor customer service and collecting money for services not rendered, she became very nasty. I asked that my account be closed at a zero balance, as I never received, activated, or used the card, and asked my $89.00 to be refunded dedicated immediately. I explained I was asking for an immediate refund because we were off to a bad start and after the poor service, the unreceived card, I was wary of their business practices. "Lisa" got very nasty and began raising her voice (really? This is a supervisor?! I've been a supervisor, honey, no matter how pissed the customer makes you you do NOT treat them with disdain and contempt, you put a smile in your voice and you attempt to help them, not steamroll over their concerns and offer absolutely zero solution or compromise! I sincerely hope SHE has a manager who will listen to this call and hear the "quality customer service" I received tonight). I was advised I could, possibly, expect a refund in 5 to 10 business days... this... from a company who took my money a month ago and never sent my card (I have called several times about this and always given multiple excuses: it was sent it should be there, sometimes post is delayed, etc.). I had read about this happening with this company to others as well, but I honestly thought it was just a fluke. I have since done my research and have found this is more common than I thought with this company.