• Report: #26125

Complaint Review: 1. First National Bank of Marin, 2. Peoples Credit First, 3. American Credit Solutions

  • Submitted: Mon, August 05, 2002
  • Updated: Mon, August 05, 2002

  • Reported By:Brandon MS
1. First National Bank of Marin, 2. Peoples Credit First, 3. American Credit Solutions
1. PO Box 95040 / 2. PO Box 320366 / 3.4618 N. Hale Ave, Suite 102 1. Henderson, NV, 2. Tampa, 3. Tampa, Florida U.S.A.

First National Bank of Marin, Peoples Credit First, American Credit Solution Ripoff Credit Card Offers in Abundance!!! Thank you Rip-off Report Henderson, Tampa Nevada, Florida

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When I opened my mail today, there were THREE "pre-approved" credit card offers. First National Bank of Marin indicated it had approved me for $800.00 initial limit if I submit my "partial" enrollment fee of just $49 with my complete and signed Acceptance Certificate. It then indicates that the $200 savings deposit, which will secure my credit line of up to $800 would be conveniently charged to my new credit card.

The second one I opened was from Peoples Credit First of Tampa, Florida. I was approved for a "Platinum Card" with a credit amount of $5,000 at an interest rate of 0% for the first 12 months. It did not indicate what type of credit card it was. I called information and obtained a phone number (813) 879-4752. However, this number was continuously busy. I then decided to research the internet. Thank goodness I found this website. It prevented me from being sucked into this rip-off scam too!

The third offer from American Credit Solutions was the most interesting. It was a postcard that reads "We are notifying you that your credit card has not been activated. Our records show this card to have an approved line of credit of $4,000. This may be your final notification. Please call 1-800-564-2517 now for immediate activation. Enjoy your new credit status." I called as I was concerned that a credit card had been mailed and I had not received it, not wanting it to fall into someone else's hands.

The representative instantly began her spill. I interrupted and asked if a card had already been mailed since the postcard indicates it had not been activated. She said, "No, it will be as soon as we complete this process." I answered a few basic questions that included address (didn't they have this since I had received mail from them already), phone number, and yes I do have a checking account.

She put me on hold for a few short seconds and came back, Congratulations, you qualify. You are approved for $4,000 credit limit. Once you charge $99 to this account and make three payments of $33, your credit limit will instantly be increased to $7,500.00. There will be a 0% interest rate for the first 12 months and a low 6% interest rate thereafter as long as you are a card holder. You will receive 50 rolls of 35mm film and a 35mm camera just for signing up today. All you need to do is allow us to draft $199.00 from your checking account to cover shipping expense and your one-time membership fee . . .

I immediately said, "No thanks." She wanted to know why I didn't want to accept this wonderful offer. I told her I had two other fraudulent offers in my hand that would only cost me $49 initially and that I'd rather be out $49 than $200!

Needless to say, the phone conversation ended abruptly, because I hung up the phone. THANK YOU THANK YOU THANK YOU. Due to the valuable information on this website, I am not stuck with a phony credit card with a $5,000 limit to purchase from THEIR catalog!

Brandon, Mississippi

This report was posted on Ripoff Report on 08/05/2002 12:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/1-First-National-Bank-of-Marin-2-Peoples-Credit-First-3-American-Credit-Solutions/1-Henderson-NV-2-Tampa-3-Tampa-Florida-89009-33679-33614/First-National-Bank-of-Marin-Peoples-Credit-First-American-Credit-Solution-Ripoff-Credit-26125. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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