wrongful Credit Card Services and Practices

On Saturday May 31st I called HHGregg Customer service for my credit card balance and credit information (normal practice for me before I shop). I found out via the automated line that I had neither balance nor a credit limit any more. I should not have had a balance, because my credit card was paid in full on February 9th. I paid a little over 1400 dollar on my account giving me a full credit limit. I have only used my card once at that was Feb. 2007 to purchase high end appliance with HH Gregg fine lines for my new home. I had never used my card there after. I simply just paid my bill each month.

I was unable to speak with a customer service rep due to they were closed over the weekend. Finally Wednesday June 4th I was able to get a hold of customer service representative. I was told by the rep that me or my husband wrote in and closed the account on April 2008. This was a lie neither one of us did that. The customer service rep consulted with her manager, came back on the phone and advised the same thing quoting a date and time of the event. When I asked for them to fax me the sign documentation that me or my husband ( also on the account) allegedly sent to them, they told me that I would have to be transferred to the escalations department to have this done. I was transferred to a woman by the name of Jennifer. She was very snippy and acted as if I owed her money. Meanwhile my balance is paid in full and I owe no one. Jennifer proceeds to read me some notes off of the file which states the same thing that �consumer requested to have account closed after a balance was dispute."

Jennifer proceeds to say that I or my husband called this in on April XXX 2008. I advised Jennifer that this did not make sense, because my account has been paid up since Feb. 9th, and why would I call and dispute a balance on my account in April and then close my account??? After Jennifer ran out of lame excuses she proceeds to advise that she need to investigate into the situation and would call me or my husband (Carlo Lawrence) in a day or two.

The next day, Thursday June 5th my husband gets a call from Jennifer stating that the reason our account was closed was because they received a C.D.V (Consumer Dispute) from the credit bureau and instead of investigating the dispute and contacting me or my husband to resolve the issue, HH Gregg Customer Service department cancelled the card. When my husband asked, why? The lady Jennifer said I don't know, but we will not be reinstating your card. Although neither me nor my husband asked for the account to be closed NOTE: The dispute to HHGregg from the credit bureaus was that HH Gregg was not reporting our balance correctly for several months in a row. Therefore; affecting our credit score. They had our balance as $1500 owed when our account had been paid in full since February.

Instead of HH Gregg simply correcting our credit reports with the 3 credit agencies they took it upon themselves to just close the account. And, lied in their noted to state that the "consumer closed the account� NOTE: HH Gregg never contacted us via phone, mail or e-mail to say that they closed our account. We still do not have a notice of this action yet. If I had not call that day I would not have known that my account was closed, and if I had of just gone shopping I would have been humiliated at he register and embarrassed. I have had this card for a year, I have never been late, and I have never abused my credit responsibly to HH Gregg. I have never heard of a consumer disputing a credit action with a credit card company who is clearly in the wrong, and instead of resolving the issue they just close your account without notice. And, act as if the problem doesn�t exist.

The attitude of the customer service rep was awful her attitude was... "Well that is the way we do things ....sorry for your luck!!

We would like our credit card account reinstated w/o us needing to re-apply. We would like our credit limit to be increased beyond the already had $1500 limit. We would like an apology letter from HH Gregg and GE Money service. We would also like our credit reports with all 3 reporting agencies to be reported accurately.