Product: Credit card

This is a complaint against Milestone Mastercard account # XXXX XXXX XXXX XXXX for XXXX XXXX. Milestone Mastercard claims it is issued by The Bank XXXX Missouri. Concora Credit accepts payments for Milestone Mastercard. Somehow " XXXX XXXX  '' is involved. 

On or about XX/XX/XXXX I applied for a XXXX XXXX, application XXXX, and provided information to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and by fax to XXXX. ( Exhibit 1 ). I got email notice the card was approved on XX/XX/XXXX. ( Exhibit 2 ). The card arrived on or about XX/XX/XXXX. ( Exhibit 3 ). 

My XXXX XXXX # XXXX was activated on XX/XX/XXXX and closed on XX/XX/XXXX. 

The card has a {$700.00} credit limit, and a {$170.00} annual fee that was not adequately disclosed during the application process. The Annual Percentage Rate ( APR ) was not adequately disclosed during the application process. The enclosed account summary of XX/XX/XXXX ( Exhibit 4 ) shows the XXXX for purchases is 35.90 %, and the XXXX for cash advances is $ 35.90 %. 

From XX/XX/XXXX through XX/XX/XXXX I made {$310.00} in purchases with the card, not including the {$170.00} annual fee, including : XXXX XXXX Date Date Reference Number Transaction Description Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} On or about XX/XX/XXXX Milestone MasterCard wrongly declined my legitimate {$10.00} one-time donation to the XXXX  Press Association. On XX/XX/XXXX I called Milestone at XXXX. I was informed by customer service that my card was blocked and no longer usable, apparently because the bank declined to pay my legitimate {$10.00} one-time donation to the XXXX Press Association . Milestone offered to send me a replacement card, which I declined. Instead I closed the account because the card was not reliable. I used the card in part to pay small monthly recurring fees as shown above to the XXXX XXXX ( a newspaper ) and XXXX XXXX XXXX XXXX XXXX  ( an online news subscription ), and for XXXX and XXXX. It would be onerous to cancel and re-subscribe to the accounts named above, and for future similar situations. 

At the time of closure my card had {$200.00} available credit. Milestone wrongly denied me the use of my available credit and caused me to suffer damages. I disavowed and returned the card because it was unreliable, and a scam to collect an Annual Fee of {$170.00}. ( Exhibit 5 ). 

The APR of 35.90 % is usurious. Section 687.02 ( 1 ) of the XXXX  Statues defined " Usurious contracts '' as " All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious '' The annual fee of {$170.00}, charged in full for less than one week while the card was active from XX/XX/XXXX to XX/XX/XXXX, is oppressive. 

Previously section XXXX of the Florida XXXX, XXXX charge, set maximum interest rate at 30 percent ; however lobbying of the legislature by the industry got the limit raised to 36 %. This is exploitation of the poor, and in particular elderly persons like me, age XXXX, see section XXXX, Business relationship ; and section XXXX XXXX of an elderly person ; Florida Statutes. 

Concora Credit confirmed my Milestone Mastercard Account is closed. ( Exhibit 6 ). Concora Credits letter of XX/XX/XXXX closed an alleged dispute. ( Exhibit 7 ). Concora Credits letter of XX/XX/XXXX confirmed my request to reject arbitration. ( Exhibit 8 ). 

On XX/XX/XXXX I mailed the {$40.00} minimum payment by money order to Concora Credit because it does not accept payments by debit card, either online or by telephone. 

Concora Credit has blocked me from live telephone customer service at XXXX. 

For resolution I request the debt be discharged as usurious. In the alternative request the ability to make payments by debit card, or to waive any late fees due to the uncertainty of the U.S. mail. 
I request the {$170.00} annual fee be removed. Thank you.