Back around March 8th, 2004, I was contacted by Janet Murphy on my cell phone and was told I had been pre-approved for a unsecured Mastercard with a limit of $1000. Since she called my cell phone I thought this was a ligitament company since I had applied for other cards to help build my credit back up. She was so knowledgeable and very accurate with my personal information and like an idot, I fell for the scam. She had a man name Franklin call me back to verify information, so I really thought this company was o.k. But, during the entire conversation,Ms. Janet never said this was an offer for a benefits package and possible credit card. I don't need a d**n benefits package and I d**n sure wouldn't have given them $217.00 of my money for one.She said there was a one time fee of $219 that would be deducted from my checking account and she gave me a pin number,her extension number, and said I could cancel at anytime.
The money was supposed to be deducted on the 19th of March, but I called on the 17th and had the date moved back to April 2nd. When I got off the phone, some thing told me to pull them up on the internet and google led me right to rip-off.com. I immediately called them and canceled and then I called my back to let them know this was a fraud.
My bank said that if they still try to debit my account and are able to get the money, my account would be credited the next day and a stop payment would be done.Well, they waited until April 6th and sent a check through with my information on it and money was transferred from my savings to my checking to cover this. So, they got what they wanted anyway.
I have been going back and forth with my bank, since they had prior knowledge of this happening and are waiting for a response from them. I have called this company and talked to a Marilyn and Frank and was given the name of Steve,who is supposed to be a supervisor,which is probably a lie, but I told them that I reported them to the Federal Consumer Action Agency and that I am filing a report with my local police station if I don't receive my money or a Mastercard, not a benefits package.
I would be glad to go in on a lawsuit against them. I also am going to report my bank if they don't do anything to help me, because they were made aware of this and could have stopped it before it happened.