I was almost ripped off, at least I think I wont still be ripped off. Royal Credit Solutions or Company or whatever offered me a credit card with a $2,500 limit, All I had to do was let them withdrawl $298 from my checking account.
Everything seemed to be in order until I realized what the person on the phone said, that THEY didnt issue the card, that they turned my name over to 10 banks, thats when the whole thing started to stink. The first woman seemed unaturally vauge, but I have delt with those before and they were on the level.
The second man I spoke with, seemed almost giddy about taking my info, and I got this funny feeling when he said I'm going to record now, that something wasnt right. Before I realized something didnt seem right I was apparently signed up, and a withdrawl from my checking was going to be made at a future date.
After hanging up, I had this terrible feeling that I was just suckered, so I got on the internet, and sure enough I found 4 complaints here about this company, and an apparent file in progess with the Florida BBB. So this morning I called back to the customer service number I was given by Royal Credit Co. only to find the company name was now Client Care Relations.
I spoke with an Angelo, who seemed very eager to get me off the ohone quickly, he told me that I wasnt even In his system yet, and that he was the one that held the finger on the cancellation button for my new account. Well I said to him "why does this company have complaints against it"? he said to me "I guess people dont like their product" refering to the other company Royal Credit.
Angelo explained to me that he would put a "quick cancel on my account" and that I would never be billed. I said do that yes!, then i began to ask him some more questions about the companies involved here and he gave me the same speil about how I wasnt in the system and that he would remove me, I said, I thought you already removed me, he said no, I will do it after we hang up, and I said, NO you will do it while im on the phone!. He then acted as if he was doing something with a keyboard, i can tell cause i work on them everyday, he did nothing, even at the begining of the conversation he acted like he was typing my name, I know when my name is being typed, as it is very long, he didnt type my name.
I guess the jist of all of this is, they are taking advantage of people with poor credit. and they will say just the right words to get you to give up account info. DONT DO IT! they never intended on sending my info to any bank for a credit card, and in retrospect of the conversation, they said "your info looks good" "you should get a high limit" i remember saying..."wait, i thought you said I would get a $2500 limit, "no, we will turn your info over and they will decide" my heart sank into my shoes when that guy said that at the end of that conversation.
As of today I do not know weather these people that have my account number and drivers license number will attempt to bill me, and what if anything they will do with that info. but I was desperate for credit. Dont answer that call with your emotions! they want your info! with a guarantee of absolutly nothing! and no-one to contact if you are not accepted, by the banks! I realize this shady promise now after replaying the phone conversations in my head a few times.
I am going to close my bank account, and open another one. Unfortunatley they have my name address telephone number and drivers license number, what they might do with that info in the future I do not know, But the prospect scares me!
TELL THESE COMPANIES THAT OFFER TO FIND YOU A CREDIT CARD TO NEVER CALL YOU AGAIN! as soon as they call, or you too will wonder what someone out there will do with your name!
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