Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Perpay, Inc.
State: MS

Complaint narrative:
Almost a year ago PerPay granted me a Credit Card after meeting the requirements as an already approved member of their installment credit line so I have 2 lines of credit with them. I have a {$2500.00} installment pay credit line and a {$500.00} Credit card line that's only given to a consumer with the ability to provide bank and job direct deposit connections because anything consumed from their company will be reimbursed via deduction directly from your employment pay. I started with a {$700.00} installment line and worked my history up to earn the {$2500.00} line. I never really had issue with that line. Now the Credit Card line on the other hand has been less than favorable. After reaching the status to be approved, they started me off with the {$500.00} credit line. I made purchases and paid it back on time due to employment direct deposit already set up. After a while, I unfortunately loss employment due to health reasons and struggled to pay back the card and they required me to pay {$100.00} each paycheck which is {$210.00} a month to hold the card because my pay was biweekly. So unemployed, I still tried to keep my payment current. I sent numerous e-mails and reached out to support to explain my situation so they allowed make to make minimum payments via credit card or personal bank account. The card was maxed out and I made sure that I kept in contact and we were able to work together to get back on track. I finally paid the card up to the original balance so I thought that was it. l they ended up offering me an upgrade of {$100.00} to bring the card to {$600.00} but they had also suspended the card until I provided new employer information as far as direct deposit. I was not working so the card fully paid off and suspended plus readily idled to upgrade {$100.00} more, my status did not change, I continued to be unemployed. So I just set it a forgot about it. I just couldn't use the card until I could provide information. About 2 months goes by and something came over me to just log on to their customer portal and discovered that the idled {$500.00} available balance had gone down to about {$460.00}. I was livid. I asked myself, " Why is this card showing another balance and I'm not able to use it due to its ' suspension? '' I reached out via XXXX support and e-mail asking about it and they replied with a fact of the contractual agreement that I have to pay {$9.00} a month administration fee and that if I don't pay it on time, I would be charge a late payment fee. Mind you, I am not working so I explained not being able to promise that kind of payment. A few months passed and was well over {$100.00} in fees and charges. They reported me past due on payments. I then reached out and asked if they would just close the card because I just don't see justification in charging administration fees when I can not use the card. They have shown me no compassion in this matter. As of late, I asked them to close the card after I paid the fees on XX/XX/year> explaining that I could not afford to keep paying the fees. They promised to get back with me but they have yet to do so. To add insult to injury, they reported me deliquent again yesterday after I put in a dispute. That card alone has dropped my credit score from XXXX down to XXXX. This is just cruel. They are also stalling to post the {$100.00} I paid to bring the card current and it's irritating me because the Credit Bureaus are allowing PerPay to do this. PerPay is also charging a so called " Interest on purchases '' and I have not been using the card to make any transactions. I feel that PerPay is intentionally doing this because I want them to close this card. I'm ok with the {$2500.00} Credit line but the credit card is just too much hassle.

Company response to consumer: Closed with explanation