Majestic Benefits Credit Card SCAM!!!! Champlain New York

DO NOT SIGN UP WITH THIS COMPANY!!!!! They promise a unsecured credit card with a $5000 credit limit with a one time fee of $299. First off, I asked all the right questions. I asked is it was a unsecured card, if the limit was really $5000 not UP TO $5000. I even put them on hold to call them to verify if the company was real. They also offer you the choice of paying the $299 up front or in 2 weeks. I took the 2 weeks. I figured it would give me more time to investigate the company. Every day after agreeing to it and giving these people my information, I would check this sight to see if their were any reports on them. I swear the very day the took the money out I saw the first one on here. I immediately called the company asking for a refund. The guy I spoke to was extremely rude and hung up on me. Then I called backed and got him again he got rude again and told me not to bother calling back because they have caller ID. SO I blocked my number and called again. This time I got a lady, who wasn't rude, but said that I would have to wait to get the packet and return it before I could get a refund. So I waited. What they don't tell you is by the time you get the packet the 30 DAY RETURN POLICY is up and you won't be able to get a refund. Not to mention that the packet was just a bunch of coupons and a note stating that I must complete and sign the application (WHICH ISN'T EVEN IN THE PACKET!!!) before I receive a STOE VALUE CREDIT CARD. What the........!!! SO I did what any desperate person does when this happens. I called my bank. They made me fill out paperwork and fax it into them. Then they REVERSED the charges. HA!!!!!!

****Per the rules of ACH electronic withdrawals the withdrawal must have your signature to be valid. However, you must notify your bank within 60 days to dispute the charges. I bank with Bank of America. they were so awesome about it. I also filed a claim with BBB who can't do anything because Majestic's won't even reply to them. I alos filed a complaint with the Federal Trade COmmission and sent letters to my local media in regard to them and mentioned this site. This Company has got to stop taking advantage of people. Don't lose hope....call your bank!! They must reverse the charges. Check out the website for NACHA. The guidelines clearly state that it is unlawful for funds to be taken out of your personal account without your written authorization. Some smaller banks will balk at returning the funds but explain to them that you know what the guidelines are. Hope this has been a help to you. Don't stop until thos charges are reversed. Don't let them get away with it!!!!

H. Madrid
Los Angeles, California
U.S.A.