This company sent promotional material offering credit card services without an annual or monthly fee (fee per transaction only). They opened the account with that understanding and honored it for roughly 7 or 8 months. Suddenly monthly fees appeared on our bank account. When I called them on it, they were rude and the representative hung up on me. I called back and spoke to a sales person, pretended I was interested in opening a new account, and asked if I would ever be charged a fee. I recorded him telling me exactly what I was originally told: There would never be a monthly or annual service fee, only individual transaction fees (a percentage of the transaction). I then called customer service back, and told them what I was just told by their sales person and that I had recorded it. The customer service representative, now apologetic, agreed to stop charging us fees and said he would "try" to have the fees, "erroneously" charged to our account, refunded. I insisted that he put that in writing and email it to me, which he did. They never refunded the 3 months they had charged us, but future fees did stop...until recently. This time they charged us a whopping annual fee, soon followed by successive monthly charges even higher than before. I have notified that I wish to close the account and have sent a copy of the email they sent me stating there would be no service fees.

This is a company that can not be trusted. I would encourage anyone who has had a bad experience with them to post here (and any other complaint sites). I would also suggest complaining to the Illinois better business bureau and the Illinois state attorney general as well as your own state's attorney general.

PS There is a shocking complaint about them written by a former employee posted on ripoff.com.