they have a card that was paid of through a debt foundation and all they do is call me five or six times a day i don't owe this card and they are getting on my nerves if this doesn't stop they are going to get a lawsuit filed against them

Back in April, my First Equity Business Card was transferred over to Deetto (SST Card Services). I started sending payments to them as soon as I got the first statement and letter notifying me that they would take over the account. For the first 4 months, they claimed that I should mail my payment 2 weeks in advance because the post office can take up to two weeks to deliver something one state over. I repeatedly had to call (with my bank on the line) to prove when the checks were sent (since my bank was sending them out each month). It wasn't until the fourth month that our bank representative asked whether the address on file was correct. At that point, the SST rep said "We should have asked that the first time it happened." Turns out, the original address they asked us to send payment to was incorrect and 500 miles away from where it should have been going. The woman was threatening and rude, until she realized it was there fault and then suddenly she backed off.

The other day I wanted to check the balance on the card and called the customer service number on the back. The number was disconnected. Today, I received my most recent statement and called the number on the bill. I was then told that First Equity decided to decline the reissue of my card and my card is no good. When I asked if my account was closed, they said no. So it's not closed, but I can't use the card???? She said that they don't close the account as a favor to me so that it doesn't report on my credit as a closed account. What's the difference if I can't use it? While it's open, they can increase my rate, charge me an annual fee and lord knows what else. They could give me no answers and told me they are "just a third party." When I asked for details on my account, she proceeded to tell me that they just handle this account for a bank and don't have any further details. I show that we owe $385 and they show that we owe $666 - there is something seriously wrong with this. Now that I read all of the other complaints, I'm questioning whether I should be paying them at all.

My husband had a credit card with Providian for years, he was a cardmember in good standing...then they sold his account to SST, interest rates went up, he still had $4000 line of credit. When it was sold he owed about $2100. It took a couple of years, but he completely paid off the card. A couple of months ago, he tried using his card it was denied he has tried several times including today. I went online they say active account...so I called on phone...IIF AFTER YOU PAY OFF THE CARD AND YOU DO NOT USE IT WITHIN THREE MONTHS THEY CLOSE YOUR ACCOUNT...with no notice...guess what you can do nothing about it.

My WAMU credit card was sold to SST w/out my knowledge/consent. Since then, I've had nothing but problems. Let me first mention that I haven't used the card since SST took the account over.

1. The website (I generally do my banking online) is inadequate and doesn't allow for automatic payment;
2. I get harassing phone messages the day I'm late (because there is not automatic payment available online (like every other account I have), so I've forgotten a few times)
3. The finance charges are outrageous: 29%!!!
4. There is a weird charge called "Balance Tran/Promo Offer" on every bill

Is there anything that can be done about a credit card company selling your account? Are there laws about how much the new company can charge for interest?

Any advice would be great!

If you are having a problem with SST call Jim Laws the CEO @ 816-671-2455.