Consumer complaint received 04/24/2017 about Credit card or prepaid card (Store credit card) with TIDEWATER FINANCE COMPANY, INC. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: i have a problem wit h TIDE WATER-  XXXX   XXXX  EXHIBIT   XXXX   STARTED ON  XXXX / XXXX / XXXX , i trying to use the card, then i paid to release capacity of my credit card. then EXHIBIT   XXXX , I  PAID  XX/XX/XXXX , I suppose i was on time, then I did pay {$500.00},  XXXX  dollars charge me by phone payment, which is ok since let me use the card, but could not use it in the STORE IS ONLY FOR  XXXX  - i did not like at all this card. i felt like the card ( tide water- XXXX  ) manipulates the customer.     EXHIBIT XXXX  bill, payment information {$1900.00}, PAYMENT DUE DATE  XX/XX/XXXX , not good, has to be  XXXX .     I did not like it this credit card and i ready have bad experience with   XXXX     XXXX   XXXX   XXXX  IN THE, past THE REDUCE MY CREDIT LIMIT on his whim, I WAS SO MAD, AND RIGHT   XXXX   XXXX   did WITH   XXXX   XXXX    A ND I JUST CLOSED. MANIPULATE notice exhibit    XXXX    p ayment due date  XX/XX/XXXX , report  XX/XX/XXXX  my payment should be there {$500.00}. i did no use the card, you can see it.     EXHIBI T   XXXX   NE W BALANCE {$1500.00},  XX/XX/XXXX  I HAVE TO PAY {$110.00} AS A MINIMUN PAYMENT DUE TOO MUCH, for a card i did not use, the NEW FEES CONVENIENCE FEE   XXXX   XXXX    XXXX  CONVENIENCE FEE  XXXX .     EXHIBI T  XXXX  MY  PAYMENT ON  XX/XX/XXXX  {$230.00}, I AM LATE ONLY 8 DAYS FROM THE DUE DATE  XXXX  EXHIBIT  XXXX ,  XX/XX/XXXX , NEW BALANCE  XXXX  NOW NEW FEE   XXXX     XXXX    XXXX    XXXX    XXXX   XXXX     BIL LING AND PAYMENT HISTORY. I was no late more than 30 days on  XXXX . i request to sent me the HISTORY OF MY PAYMENTS, EXHIBIT   XXXX    MY CREDIT REPORT  XXXX , EVEN DOESNOT SHOWED THE NAME THE TIDE WATER OF  XXXX , AS SHOWED WHEN YOU PAY AT THE STORE.     I WAS LATE IN  XXXX  AS SHOWED THE CREDIT REPORT PULL ON THIS MONTH/ XXXX  BECAUSE I CALLED THEM  XXXX  AND THEY ALWAYS SENT ME THE HISTORY REPORT, When i tried to resolve this with them, th e officer IN  XXXX   AND  XXXX , read the report and i stay in the same circle. They called, called, called make so much  XXXX , but right now i see it, i was no late in  XXXX . At the end i told a bad word and they never called me back.      XXXX  #  XXXX , the report from them showing me i have to pay on  XX/XX/XXXX .     EXHIBIT  XXXX  PAYMENT FROM MY BANK  XXXX   XX/XX/XXXX   XX/XX/XXXX , THAT MEANS {$230.00}  XXXX  DRIVE ME CRAZY TIDE WATER WITH ALL THE CALLS THAN I PAY THAT AMOUNT EXHIBIT   XXXX  I  paid and paid and my balance WAS NOT DOWN NOTICE I HAVE NOT USE THE CARD, I READY  XXXX  AND MY BALANCE IS ON EXHIBI T   XXXX   XXXX  $ 1500.00}, THAT MEANS, I HIGHER THAN BEGINNING, EXHIB IT   XXXX   {$ 1500.00}, AND THIS MONTH WAS  XXXX .     EXHIB IT   XXXX   LA TE CHARGE  XXXX ,  XXXX   XXXX   XXXX  15 DAYS LATE  XXXX  EHXIBIT   XXXX   MONTHLY PAYMENT  XX/XX/XXXX , NOW SOMETHING HAPPENED BECAUSE THEY WROTE CUSTOMER PAYMENT  XXXX , LATE CHARGE  XXXX  By that time i did not use the card, i previously paid with money order to be sure, they will received it. after seeing that i account no down started to pay directly with my bank,  XXXX  EXHIBI T   XXXX   I  PAID ON  XXXX / XXXX / XXXX  I WAS LATE, BUT I DID PAY {$340.00}, I THINK {$260.00} PLUS  XXXX , PLUS  XXXX  DOLLARS., EXHIBIT  XXXX  THE LAST BILL  XX/XX/XXXX , IT SHOULD BE REPORT, THE SAME WHEN I STARTED WITH THEM MONTHLY PAYMENT DUE DATE  XX/XX/XXXX  I READY DID {$81.00} THIS BILL CAME EASY AND SOFT, I FELL AS A COW OR PIGGY BANK FOR THEM ALSO, if they have to do with   XXXX     XXXX , THIS CREDIT CARD, DO NOT REPORT TO credit bureau when you pay on time and leave the bad report forever. never removes anything.

Company response to consumer: Closed with explanation