I had gotten behind on my mortgage, so I decided to pursue alternate(i.e. high interest rate) loan sources in order to catch up. One day, I received a call on my cell phone offering me a credit card MC/Visa for people with less than perfect credit ratings. After hearing the spill and agreeing to pay certain "processing" fees in order to get the card, I was advised to listen to a pre-recorded message. This message was basically a sales pitch for a product called Zylene and for a service called Galaxy Member Benefits.
After the message was through, the representative came back on the line and asked if I had any questions. I told him that I didn't concerning the credit card limit or interest rate, however, I wasn't at all interested in the Zylene or Galaxy promos. He then advised me that it was just something that he was required to pitch to people, but since I wasn't interested, he would notate not to include me on their list.
A few days passed and I was debited these so-called "processing fees". I never received a credit card (mc, visa, amex), however about a week later, I received a packet detailing my "galaxy member benefits" which I have no desire to belong to. The phone number that they provide turns you around in circles without ever talking to a rep. The web site only has a section for e-mailing complaints with nothing to indicate a legit service. I will probably have to close my bank account and hopefully buy some time with my mortgage co. because this entire ordeal has left me even shorter that I was before I sought help.