Tribute Mastercard reviews and complaints

HI CONTACT ME AND I CAN HELP YOU. I HAVE ALSO FILED A COMPLAINT HERE WELL ACTUALLY LETTING PEOPLE KNOW I GOT MY ISSUE FIXED AND THAT I CAN HELP. EVERYONE MUST THINK I AM A SCAM B/C NOONE WILL EVERY EMAIL ME. I HAVE DIAL UP AND THIS WEBSITE LOCKS MY COMP DOWN AT TIMES BUT I AM REAL AND I CNA HELP AND I DO NOT CHARGE AND MY HELP WILL COST YOU NOTHING MORE THAN WHAT WHAT YOU WILL NEED TO PRINT AND MAIL TO TRIBUTE. THATS ALL. I CONTACTED THE FEDERAL TRADE COMMISSION AND THEY GAVE ME ALL THE INFO I NEEDED. THANKS CASSIE HERE IS MY EMAIL ADDY KRAZZYLUV@YAHOO.COM

i am being sued by them, and i made payments after the closed out the accounts. i don't think this is legal! something needs to be done ASAP

I am having my wages garnished over this card and i have never had a mastercard. I was served one day at work however that was the first i had heard from them. The laywers that was listed also will not return calls and states on a voice mail to" not leave multiple voicemails that they will call you when they can". i called my local courthouse and got some info but not much. I did get an intial start date of 2013 and I was not even working at this time so i find it hard to believe that i could have gotten a CC especially with a credit score of less than 500 at the time. I am filing a petition to go in front of a judge and hoping if i can show where others has had this happen he might see it as the Scam it is and help by not garnishing my wages. my email is mmclemore1995@gmail.com. please feel free to email anything that might help me. stories or ways you fought them and won.

What is your email address, this just came onto my transunion report and i never had this card.

What is your email address? I desperately need to talk to you! My name is Carrie and my address is successuncw@yahoo.com in-case I can't get back in touch with you.. I really need some advise on based on My Tribute Card nightmare.. Thank you so much for writing what you did...
Sincerely,
Carrie N.

Wow, never mind, I had a brain fart. I got it!

O.K., I may not be that computer savvy but I cannot find a phone number or address for Tribute ANYWHERE! I, too, am trying to "clean-up my credit, " I do not wish to excuse my debt, but how in the world can I contact them to make resolution if there is no contact information? Anyone know?

I have had an account with tribute for several years. Last week I get a letter that they are closing my account. I have not been late paying on my account or over the limit. I do not know how this is legal to just close an account for no reason. I still have a balance of $800.00. They told me they are giving me a new account # to pay off my balance. They say that I am a valued customer, but that is not how you treat your valued customers.

I had the card for several years. lost my card; asked for replacement, they sent card and then cancelled account. program is discontinued for everyone. don't know how it will affect my credit score if account is closed. does anyone know?

Tribute Mastercard. What can you say? Unethical? Yes! Bad management? Yes! Liars? yes! A*#holes? Yes! Well you get the idea. Do not let them intimadate you. Report them to the BBB. As well as their parent company First bank of Delaware. After paying on time for a year, my card was denied. So I'm thinking it's a mistake. I called customer service and tried to resolve the issue. Only to be directed to a man who could not speak any English other than your account has been permently closed. If any one still has a tribute card, you would be wise to pay it off, cut it up, throw it in a fire. They are a company from hell.

In trying to build my credit a few years ago, I was able to obtain a Master Card from Tribute. I believe the opening amount of credit was like $300. I have always paid my account on time before it was due and always paid much more than the minimum. Because of how I was paying my bill I received increases to my credit line. I made it up to $1000 line of credit. All of a sudden I receive a notice that my line of credit would be done away with and that I was to make my scheduled payments as always until it was paid off and they would be sending another card# for this. I was shocked and was told when calling that it was a management decision. I accept this and will be making my final payment this next m onth but...my concern is, how will this affect my credit rating that I have worked so hard to build. I have other credit cards that I pay and use when necessary but I feel that a notation should be in my credit report that I had nothing to do with their decision to close my account. Reading the other comments I share peoples concern.

Please let me know what responce you get. I too had a hold on my credit for a deposit while out of town. When it was time to check out. My card was declined. I had to pay cash before I could leave. Four house of waiting in the lobby. I get in touch with my aunt who bailed me out. But of course I was a valued card member, after paying over two hundred dollars in fees, and right at ten dollars a month just to carry the card. I thought that I was doing the correct thing, I have had a 598 fico score before my card, then after two years of payments and carring 20 precent balance my fico went up to 684. I can only wonder what my new fico is going to be like now?
Paul Blackstone
paul.blackstone@yahoo.com

Same here, we paid $600.00 on a $800.00 balance with a credit limit of $1000.00 while in Las Vegas ready to pay for our room it was declined. Not only was this embarrassing the cc company did not have much to offer to ratify this. Unfortunately, we cannot let them eat it, we are still paying on the balance and it is now down to $300.00 because of charges. This is VERY upsetting, my husbands fico scored and past due because we did not pay it immediately because we were upset caused us to be denied for a home loan. We have children and taking care of them with a roof over their head is much more important than not paying a credit card company that was mad. Any suggestions how to remove them from our credit report will be appreciated. Thx

Hey I am having an issue with Trubute MasterCard. I had a good history with them until a few months ago. They had the wrong address so I never received a statement so I didnt mail in a payment and their website was down for maintenance. I told them this when they called. So they were supposed to take 88.00 out of my account to make up for the missed payments that didn't happen because they had the wrong routing number and I got charged because the payment came back and I said how is that my fault. SO then one day the lady said that all i needed to pay was 52.00 so I did and then i keep being charged. I paid the 52 on the phone. I sent out a check but one day it wasn't where I had left it so I canceled the check not knowing if it was stolen or not and they received so got charged for that payment that got sent back. I have been getting all these charges and late fee charges. I keep telling them that I could not afford it that I do not work and that I only get SSI which is a set amount every month and I have a little one to take care of too. They sounded like they don't care. MY balance was 142.00 and I told them I couldn't afford to pay the whole thing. So i paid what i could afford to pay which was 60.00 dollars and got charged a late fee and now my balance is over 154.00 dollars. I sent an email complaining about this you should see what they wrote back. She goes you are late with 92.00 for 90 days which is bogus. So we can't waive the fee. I'm like what the heck you want me to do. I need to find someone to complain to about this. And then I see all these people complaining about the same credit card since the whole thing started when they canceled accounts. It surprised me. SO can you give me advice on what to do please?

I agree! This credit card was a scam. I made my payments on time (AND over the minimum). They are doing the same thing to everyone. They wait until you have made a payment, close your account and when you call they give the same story. It was a management decision. Good luck management on trying to get money out of everyone now!

I Think that they is as dirty as can be they first sent me a card that was expired and had me looking like a dummy at the register when it was denied. Then turn around and cut me off had me looking like a dummy again at the register . I had a high balance now I should not pay them anything.

I agree. Last month I tried to make a payment & it wasn't credited, I called and got the run around. I the called my bank that said they made the payment, it wasn't accepted by Tribute! They pulled the money back. 2 days later I got the letter. Well not only did they shut my credit down, they refused payment & I have it in writing from my bank...
Let's see if they try to collect!

Hell Ya that is what I am doing! They can eat it all! I didnt owe much and was in the process of paying it off when i was cut off. I had no letter of warning that they claim to have sent. When I called they told me that they are no longer gauruteeing credit cards and i told them that i could no longer guarantee them a payment!

This is outrageous. I found out the same way some of you did! I just made a payment to them on Friday! My credit limit had been raised to $1, 000.

I have registered a complaint with the Atlanta BBB and the FTC. I urge you all to do the same. Something will give...

I have complained to the Atlanta BBB and the FTC...Do the same. He have all been taken to the bank...literally.

If I had not gone on line this evening I would have not know my card had been closed. I called them and they want to read from a script and not listen to what the custoimer has to say. SCREW this company. More than likely they got a bail out and are still failing because they don not know how to handle their business correctly. I am waiting on a call from a manager which I have been told that iut will be 3 business days for a reply. Good luck on this happening.

Amen! They could have at least let us card memeber a heads up so that we could have transfered or gotten a personal loan locally to pay off the balance; now my credit report will read zero credit, and have a balance, along with Account closed by Grantor.

The customer service is extremely lousy. I received a call from Tribute and I have throat problems and could not speak well. I advised the agent that I was very ill and I would call them back in two days. She was very persistent to get me to approve the payment from one of my three bank accounts that was on file. I explained that I did not have the info available and I was very ill and can't talk. She explained that she did not need me to talk, just get out of bed and get the information or just let her know what account I would like for her to bill. She continued to dismiss my plea for her to call back or I would call when I felt better. She was so rude, so I hung up the phone. These people will be stopped.

yes just found out myself about the closure what a- holes.

I had the same experience this morning when I was trying to check out at a store and the card didn't work - I had over $700 in available credit! So i called to inquire, and the customer service guy was (of course) completely short and rude.
I think it's overall an improvement to the credit card industry that they're no longer doing business... glad to see them go.
Orchard Bank should be next :-)

I agree with you about the company being disgusting! I just tried using my card this past weekend and they cancelled all credit cards without so much as a call! I was so embarrassed to find this out while I was eating with my friends and having to ask them to buy and let me pay them after. I could have withdrawn the funds for the meal from my account prior to going but knew I had over $300.00 available on my account and the bill was only $40.00. I called and they say that they have cancelled all cards and will not be reissuing any in the future. I then asked for a refund on my annual fee since they did this and they stated that I had the priviledge to use their card so would not be receiving a refund. I had never missed or been late on any payment but I get treated like trash. Bad customer service and bad rates all add up to a bad experience. I will never recommend the First Bank of Delaware to anyone, since they are the card issuer.

I had a Tribute Master Card ($1000 credit) for about 6 months or so, I used it once for my anniversary gift for my husband. I live in Hawaii, so EVERYTHING is expensive here. We took a trip to the Big Island, stayed in the same hotel my husband picked out the first time we traveled there five years ago for our fifteen anniversary. Anyway, I started paying my bill online for about 6-7 months, the next thing I know they changed banks (no notification), and proceeded to CLOSE my account when I was down to about $500. Now Jefferson Capital LLC is SUING me for balance due ($1066.27). I have to go to court in a few days to clear this up. Go figure! They have ruined my credit for getting other credit cards. Makes me sick that my credit is dust! Oh well, I guess I'll just have to grin and bear it! Buyers beware!

I called Tribute on August 24 or 25 due to I notice a payment I had made was returned and I did not know why. I spoke to representative to find out what the problem was and was told that there was problem with my bank. After the customer service reviewed my account it was discover that I was one number off. I had made the payment online; I was very sick that night and made a typo. After this was found out I immediately made the payment and the late fee was removed. It was never told to me that my credit card would be closed and I never received a letter stating that either. In talking to the representative they stated that they could see I never miss a payment, was always paid on time and paid more than my minimum payment. When I received my next bill I notice that I had a zero credit line, again I called to see what the problem was and that is when I was told my account was closed. I had to explain the previous issue to him several times because he did not seem to be listening, and then I ask to speak to a supervisor.

The problem I have with this whole situation is I was never told that my account was going to be closed and I have yet to receive any correspondence regarding the closing. Also being a good customer and my pay history should have been taken into account. I work in a credit department of a multimillion dollar international company and when we have this type of issue we look at the overall picture of that customer account. If it was just a simple error we give that customer the benefit of the doubt. I could see Tribute closing this account if I was a bad paying customer. Needless to say, I am quite frustrated, hurt, and disappointed in the action of this company. And they are still are charging ten dollar monthly maintenance fee. I also will be calling the FTC, thanks amc1954 for the information

they did the same to me and I already file with the FTC...next the Federal Reserve and FDIC...contact Greg Ryan at [protected] and let him know he is in their exextutive offices

I made a formal conplaint with the Fair trade C my spelling off sorry .they are not going get away with crap this time the saulte was bad enough also if you Aspire visa card watch out same company

Just received a letter today from Tribute stating they were closing the credit card accounts effective immediately, after they received payment. No warning - no notice. In the letter they state they have the right to still charge their ten dollar monthly fee. I don't know why they feel they can still make money off of us when the card is not usable. Credit card companies are still finding ways to screw people.

I have had a Imagine Account for 3 yrs..paid twice a month. Now two weeks after I receive Tribute because they bought out Imagine..they cancelled my account..said it was for ALL card holders! Not going to reflect on me but it pisses me off because I have to start all over

Hi
I have the same problem with tribute 6/24/09 I usually mailed my payment and in june was unable to, so went to website and decided to pay the 5.00 online fee so the payment would be on time. it would not take routing number. so I called them and as usuall the woman on the other end, I could hardly understand, said that they were having trouble, and could I give info over phone? I said no way! this is tributes fault and I expect you to waive late fees, and I will mail it to you today.she stated that was not possible. so I decided to just pay in July, well after only a week being late, they canceled this card and said they wanted payment for balance and that my account was closed. what a joke if the gas and light companies turned us off for being a bit late we would all be in the dark. I let them know how unhappy I was, that will do alot of good LOL. and advised them not to hold their breath for a dime from me ! and I will live with the negetive on my credit.
do not apply for this card.

Same story except when I call they give me two different excuses as to why my account was closed. The first time it was because I missed a payment but when I reviewed my online banking records, I have never missed a payment and even payed them twice in a month! Once I debunked that excuse they gave me some lame ### excuse that because I was over my limit for just two weeks, they closed my account.

I can't wait to pay it off. What a bunch of crap!

I am absolutely livid with this credit card company! I just recently recieved a letter notifing me that my account was going to be closing at the end of the month and was curious to find out more so I contacted customer service via email and was informed that they were closing the whole credit card program due to the "economy". The fact that they couldn't even inform their current customers as to why their accounts would be closing, or that the company was in trouble makes me very upset. I have had an account with this company for over a year, and am very dissapointed in the way they handled the closing of all their accounts. I wished I had never signed up for a card with them! Grrrrrrrrrrrr

I got 2 offers from Tribute mastercard and Salute back in June. I never activated the cards/accounts and now it is November and i am getting bills from them saying i owe X amount of dollars at the end of november. RIP OFF! If this was serious i would have received statements on a monthly basis not every 4 months. I wonder how many people have fallen for this! Its infuriating!

I've have been a loyal customer to Tribute for over a 1 year and ALWAYS paid on time. Due to bad times I've became late for the FIRST time. I've recvd several calls in 2 hrs I kid you not!. When i got the 8th call I've had it. So i asked to speak with a supervisor. He told me i am past due $20. I said what? You're calling me 7 times in 2 hrs for $20? Are you serious? I've requested my account to be closed and I don't want to deal with this company ever again and just deal with Capital One, which i am ALWAYS on time with and current on. Now he told me the company closed my account because i am 5 days late of $20... are you kidding me?... DO NOT DEAL WITH THIS COMPANY!

I have had my tribute card just over a year. I have paid all my payments on time and even made several payments in one month. Today I got a notice that my account was closed. I called the company and they told me that it was not a reflection on my credit they were closing everyone's account. somehow this doesn't make sense? can anyone explain what is going on here?
Thanks,
Patti

I had a Tribute credit card for a year. I always paid my bill on time and more than the minimum payment and was even given two credit limit increases for being a 'good customer'

Last week I accidentally charged $20 over my $500 dollar credit limit. I paid the overage off in a few days. Tribute responded by closing my account and raising my interest rate to 35%!

Basically they were just sitting around waiting for any infraction, however minor, to occur so they could change the card terms and milk as much cash out of me as possible. I have reported them to the Federal Trade Commission.

ANYTHING WE CAN DO? ARE WE TO PAY THE $19.00 A MONTH MAINTENENCE FEE TO HAVE A WORTHLESS CREDIT CARD? MAINTENENCE FEE FOR WHAT? IS ANYONE PAYING THIS CREDIT CARD BANK?

Please help me to understand, since all accounts were closed is it legal to still charge a monthly account maintenance fee?

TRIBUTE MASTERCARD MUST BE IN CAHOOTS WITH SALUTE VISA CARD. I HAD BOTH ACCOUNTS AND WAS IN EXCELLENT STANDING WITH BOTH CARDS-NEVER LATE AND ALWAYS PAID AT LEAST THE MINIMUM AND THEY JUST UP AND CLOSE THEM OUT. I DON'T HAVE A PROBLEM WITH PAYING THE BALANCE BUT THEY CHARGE THE MOST RIDICULOUS MONTHLY MAINTENANCE FEE ON TOP OF IT FOR AN ACCOUNT I CAN'T EVEN USE ANYMORE. TRIBUTE CHARGES ME $10 AND SALUTE CHARGES ME $6.50 A MONTH FOR MAINTENENCE FEES THAT ARE ON TOP OF THE INTEREST. THEY SAID THAT IT IS TO SEND ME A STATEMENT THROUGH THE MAIL. EXPENSIVE POSTAGE STAMP! I NOW HAVE TO PAY $16.50 A MONTH FOR MAINTENENCE FEES THAT ARE ON ACCOUNTS THAT I CAN NOT USE ANYMORE BECAUSE THEY CLOSED THEM AND I REPEAT I WAS IN EXCELLENT SHAPE WITH THEM BUT NOW I HAVE TO PAY THOSE FEES UNTIL I PAY THE BALANCES OFF PLUS THE INTEREST. I WISH I KNEW HOW TO GET AN ATTORNEY TO FILE CLASS ACTION SUITE AGAINST BOTH CARDS FOR THE INJUSTICE OF THESE FEES. THEY ARE REALLY A--HOLES-MAYBE THEY PAID TO MUCH IN BONUSES LAST YEAR AND NOW THEY ARE BROKE. I REALLY THINK THAT THESE PEOPLE ARE CROOKS AND NEED TO BE SUED!

JIM-AKA--PISSED OFF!

I think this is the worst company I have dealt with. I also pay my payments on time, and first they increased APR, and also increased their monthly maintenance, so that I pay 30.00 alone on their fees. Now I received a letter that my card has been terminated.

I called the number on the letter and they said they were closing everyones accounts. They also stated it would not effect are credit ratings. I hope this is true.

PS I had already stopped using the card myself do to their hidden fees.

wow they just did the same thing to me, they closed my account becasuse of above credit limit and in 3 yrs I never had a problem always paid on time and paid aobve minium paymnet. I wish we could file a class action suit agains them

i agree they pulled the credit card but people that had balances are paying the price trying to pay it off while doing so tribute charges more and more to the account since they closed the tribute mastercard out my balance was $360.00 i have been paying it down each month i got my statement in the mail i owe $460+ not right at all

Alot of people are gettng CLIs, but try to use it. Everyone else who just got increases, tried and OOPS! No way, Jose. I have been a member since 07 and always on time, over pay. I got my letter. Mooke, are you saying these people can't do their finances? Shame on you. A Bank or Credit Card company should never APPROVE an amount over your limit. That is one reason consumers are having a hard time. The OD fees alone would take care of the HealthCare problem. Not everone is perfect.

They are closing all lines of credit.. Mine just got shut down after making a $200 payment.

I opened my account with tribute on 09/02/2008 & to date I haven't had any problems with them. I started off at the $ 70.00 credit limit and I'm not at $ 750.00 in only 1 year. I just hope they don't pull any fast 1's on me like they apparently had done to some people. If anything changes I'll report back but, as of now, I haven't had any trouble with them. Also, I've heard that they were closing all accounts as of early this year but, Mine is still open & I just got another CLI yesterday. Not sure if they are closing accounts anymore but, someone told me the company is healthy & functioning well.

then maybe both of you should try a debit card, perhaps reverting back to cash. Some people can't help it, they just do not know how to juggle finances.

this is a worthless creditcard company i wish the feds would shut them down...