This post is exactly correct. I have had this SST/Deeto card for years. They are out of Columbus, GA, and you cannot find a number online to call. I have had this card set up thru my online checking account. They claim they are not direct deposited as most other financial institutions, and that their funds are sent thru the mail. So, thru the years at least 2x per year, they will call and say they didn't get the payment. Without looking at my account I authorize another payment on the account. Today, I get a call, and instead of authorizing an additional payment, I looked at my checking account to review the payments. Because I sent a payment out on the 1st of the month and they did not receive it by the 6th in a previous month, I was charged $35 late fee. So, I backed the payment date up to be sent out on the 30th of the month. Guess what they did with that, the applied it to my BALANCE because they received it before the due date, before the billing cycle was finished. THIS IS A SCAM!!! Why in the world would anyone continually send $50 more than the min. payment due, $98. 1 time every month and not intend it to be posted as a PAYMENT. I asked to talk to a supervisor, a man named "Shawn Mintz" came on the line with an attitude, the first thing he did was sigh at each letter as he spelled his last name, as if it was hurting him to speak. I asked for all my late payments to be removed because this is a SCAM, he was so rude, it was ridiculous. He raised his voice, and kept repeating himself, "that's just how it is, if we receive the payment early we put it toward the principal", and added, "that's just how it is, why don't you understand"..... I asked to talk to his supervisor, he said her name was Mandy and she was not available until the end of next week. So, I asked for her supervisor; he said there is no way I could have her supervisor, nor for Mandy to call me when she returns, I would just have to deal with it. Knowing how hard it is to find a contact number for this company, which I'd tried online many times thru the years, he knew I had no where to go. They called from 800 388 1806.
Deetto, Aka SST Card Services, Aka formerly as First Equity is without a doubt the worst credit card company I have ever
had the misfortune of dealing with. Notonly do they try to make it impossible for you to reach a live human, they go out of their way to be rude when you do reach someone. (Perhaps this is why they also go out of their way to hide their ownership and only offer vague info. on how and who and how to contact). Try to conduct a google search and you will come up empty-handed on any information on this company!
This is a warning to those who may accrue a balance with them.
They refuse to work with customers on any type of payment plan whatsoever regardless of hardship. Their response is ""pay off 25% of your balance and we will lower your APR by 4%"".
They also love to bill a late fee if you pay on your due date - they claim ""we didn't get paid until the following day, that's why you were charged a $35 late fee. In addition should you need to access your ""available cash"", they only allow you to do so in $100 increments and charge your $10 plus the APR on your card, violating pretty much every state's usury laws. I strongly advise that if you do have a card with them, you close it and roll the balanceover to a more reputable institution (apologies as these are hard to find as well in the credit card space). Document any contact you have with them as they also go out of their way to claim no contact was every made with them regarding any past issues. I also encourage you to submit any and all complaints to the Consumer Financial Protection Bureau @ http://www.consumerfinance.gov/ and the FTC @ ftc.gov and the Better Business Bureau in their supposed home state of Georgia. This outfit needs to be shut down for good.
Deetto/SST Card Services Reviews
SST/Deeto SCAM
This post is exactly correct. I have had this SST/Deeto card for years. They are out of Columbus, GA, and you cannot find a number online to call. I have had this card set up thru my online checking account. They claim they are not direct deposited as most other financial institutions, and that their funds are sent thru the mail. So, thru the years at least 2x per year, they will call and say they didn't get the payment. Without looking at my account I authorize another payment on the account. Today, I get a call, and instead of authorizing an additional payment, I looked at my checking account to review the payments. Because I sent a payment out on the 1st of the month and they did not receive it by the 6th in a previous month, I was charged $35 late fee. So, I backed the payment date up to be sent out on the 30th of the month. Guess what they did with that, the applied it to my BALANCE because they received it before the due date, before the billing cycle was finished. THIS IS A SCAM!!! Why in the world would anyone continually send $50 more than the min. payment due, $98. 1 time every month and not intend it to be posted as a PAYMENT. I asked to talk to a supervisor, a man named "Shawn Mintz" came on the line with an attitude, the first thing he did was sigh at each letter as he spelled his last name, as if it was hurting him to speak. I asked for all my late payments to be removed because this is a SCAM, he was so rude, it was ridiculous. He raised his voice, and kept repeating himself, "that's just how it is, if we receive the payment early we put it toward the principal", and added, "that's just how it is, why don't you understand"..... I asked to talk to his supervisor, he said her name was Mandy and she was not available until the end of next week. So, I asked for her supervisor; he said there is no way I could have her supervisor, nor for Mandy to call me when she returns, I would just have to deal with it. Knowing how hard it is to find a contact number for this company, which I'd tried online many times thru the years, he knew I had no where to go. They called from 800 388 1806.
Deetto, Aka SST Card Services, Aka formerly as First Equity is without a doubt the worst credit card company I have ever
had the misfortune of dealing with. Notonly do they try to make it impossible for you to reach a live human, they go out of their way to be rude when you do reach someone. (Perhaps this is why they also go out of their way to hide their ownership and only offer vague info. on how and who and how to contact). Try to conduct a google search and you will come up empty-handed on any information on this company!
This is a warning to those who may accrue a balance with them.
They refuse to work with customers on any type of payment plan whatsoever regardless of hardship. Their response is ""pay off 25% of your balance and we will lower your APR by 4%"".
They also love to bill a late fee if you pay on your due date - they claim ""we didn't get paid until the following day, that's why you were charged a $35 late fee. In addition should you need to access your ""available cash"", they only allow you to do so in $100 increments and charge your $10 plus the APR on your card, violating pretty much every state's usury laws. I strongly advise that if you do have a card with them, you close it and roll the balanceover to a more reputable institution (apologies as these are hard to find as well in the credit card space). Document any contact you have with them as they also go out of their way to claim no contact was every made with them regarding any past issues. I also encourage you to submit any and all complaints to the Consumer Financial Protection Bureau @ http://www.consumerfinance.gov/ and the FTC @ ftc.gov and the Better Business Bureau in their supposed home state of Georgia. This outfit needs to be shut down for good.