Received offer from Majestic Visa to repair credit from old FingerHut charge off. Once you pay off debt they will send credit card but you have to make all payments on time- if two are late then you dont receive card. Sounded like a second chance and it was the only bad mark on my credit report.
Called and talked to representative- said they would mail information. Sent info on credit card guidelines and rules. Waited for statement- never received one. Weeks later rep calls on cell phone and says that if I dont make payment by phone that day then I will be late-
I told them that I had no statement or anything confirming amount owed or anything. Asked if I received a letter about credit guidelines- said yes- claimed they mailed the statement 3 days later- that I must have accidently thrown it away because it did not have a return address on it- I knew that was not making sense.
Reps was totally rude and overbearing. I told them that I was not making a payment via phone and giving them any of my bank info period- further I asked them not to call me until I received an actual statement. Got suspicious and looked up scams on the Internet and found this site.
Decided that it too was a scam. They make sure that you are late on payments by not sending statements and then when they send them they are due the next day or two so they tell you that you must pay by phone (which is extra) or you will be late.
Received a "statement" about 3 weeks later- one day before the due date. Of course they called me and I told them that I was not paying and was having no part of this. They have called my phone every hour from different 800 numbers since then (about 2 weeks). No company that I have ever talked to that was legitimate would have these people representing them if they truly wanted to establish credibility.
The unprofessionalism is what brought up the first red flag. Don't fall for this if you are trying to clear up an old debt- I have a feeling that they would have eventually charged me for later charges, outrageous interest rates and continued harrassment.
Little Rock, Arkansas