• Report: #649056

Complaint Review: USA CREDIT

  • Submitted: Fri, October 08, 2010
  • Updated: Mon, October 11, 2010

  • Reported By: Oksana — Malden Massachusetts United States of America
USA CREDIT
Internet United States of America

USA CREDIT I received a paper check from my employer, cashed and decided to deposit $200.00 into one of my accounts just to find out that I had a negative balance in my account by $149.95 withdrawn Internet

*Author of original report: So I finally was able to speak with someone from USA credit, and here's what I've realized

*Author of original report: Responce to consumer's suggestion

*Consumer Suggestion: WE LIVE AND LEARN

*Consumer Comment: Please Report This To This Government Agency....

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  I had just moved to a new residence just as of Oct. 1st and having exhausted my budget I had several pop-ups and e-mails from Payday loan services I searched for trying to pay off some of my bills until my employment check arrives. I applied to some, but skipped a lot of ads also, but have not heard from any lenders whatsoever. Eventually payday Friday has arrived and I received my paper check from my employer, so I went and cashed it, but decided to deposit $200 into my Citizens bank checking account. After receiving the receipt of deposit from the teller, I've noticed that my balance was only $13.13, when it clearly should have been $200.08 exactly from checking the account balance of 8 cents from the night before.


To my surprise the teller handed me a statement with a withdrawal of $149.95 from a company of USA CREDIT, which I do not even recognize. I told the teller that I was neither aware or authorized this debit out of my account, which left me completely enraged because the money I've deposited into the account were meant to be payments for my new landlord, and I ended up freezing my account after I've tried to call the number of 1800-685-9354 provided by the USA CREDIT just to receive the message of calling after their business hours. Being a single mother and qualifying for food stamp benefits and living from paycheck to paycheck this has completely broke my heart....I've sat up crying for hours, meanwhile the bank states to take 7-10 business day after filing fraudulent check affidavit for a possible reimbursment, and just now have officially reported this crime to the FBI internet fraud section. This crime is outrages and has caused heartache to me and my child and SHOULD BE PUNISHED SEVERELY! Just no telling how many other fraudulent companies that I might of have applied to in a moment of desperation to cover debt, but I will make sure these crooks get exactly what they deserve! Fight this - don't let them fool you like this...


This report was posted on Ripoff Report on 10/08/2010 10:01 PM and is a permanent record located here: http://www.ripoffreport.com/r/USA-CREDIT/internet/USA-CREDIT-I-received-a-paper-check-from-my-employer-cashed-and-decided-to-deposit-200-649056. 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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#1 Author of original report

So I finally was able to speak with someone from USA credit, and here's what I've realized

AUTHOR: Oksana - (USA)

I have recently contacted the representatives from USA CREDIT on Oct. 11, 2010 from 1800-685-9354, noifying them of the unathorized charge, and they have provided me with the capitalnetworklending.com website for which I've supposedly applied for, and after looking at the website itself, which has a car featured as an image - the only thing that came to mind was that I NEVER submitted anything to that site because of being cautious about online loans as it is I would have avoided anything that looks more like a car financing loan, since I'm strictly looking for a payday loan and qualify for food stamps clicking out of any additional offers in a first place! I have also been given the name of Jacqueline Joseph as the head of the company with the 1888-570-9823 provided in case I filed a report on this case. Unsure how this company is still operating "for more than 20 years" - according to one of the supervisors from the above listed number, but it's clearly inhumane to debit people's accounts who already have a bad credit as it is, desperate for money, and not even receiving anything in return. Please, let them get a taste of justice!
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#2 Author of original report

Responce to consumer's suggestion

AUTHOR: Oksana - (USA)

Dear, Joe!

You are exactly right about your suggestions towards me revealing my information via internet and it's all well appreciated, but there are a couple of things that you may not possibly have known or understood:

1. My child's father is paying the child support, however, I do not receive a dime from him because it goes through my local DTA (welfare) office since I am a previous customer for some time because of the abuse inflicted on me by my child's father. And to politely sum it up - he is a complete dead beat and even though he's paying the child support - not only that I may only see miserable $50 a month very occasionally, but he also owes about $6,000 in child support as it is, thus far no wonder why I have completely disregarded any comment about him whatsoever....

2. I have been in many financial hardships throughout my whole entire stay of 12 years in the United States with noone but my unemployed because of her English language level long-distance elderly mother, who is burried with mortgage payment as THE ONLY relative in THIS WHOLE ENTIRE COUNTRY I can rely on. Nevertheless, througout the times of these hardships I have always been cautious about giving out my information online before, but have not been dealing with the moving expences in the past - I was devastated and desperate to the point where I even had to question my manager about borrowing a $10 amount, who has fount it very unprofessional. In additon, I have applied for payday loans online checking EVERY available VALID certificates of Thawte and secure connections by clicking on them directly to verify them - and those were THE ONLY sites I have put my personal information for. However, after having to apply to one or two secured webs I started to encounter the pop-off blocker going off that I was nor providing anything but basic information for, nor I was able to stop the pop-ups.

In conclusion - I am thankful for all of the information you've provided, but I not going to eat, sleep or breathe until I will be reimbursed or find the justice for all of this nonsence as an underestimated on education single mother, who's suffered a major depression in addition to her PTSD from this incident, and I am willing to go through the media, Judge Alex's show, FBI and any other resources I may encounter just to finish this in correspondence to the hurt that has been caused toward my child....Period!

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#3 Consumer Suggestion

WE LIVE AND LEARN

AUTHOR: Joe - (U.S.A.)

I HOPE THE FATHER IS PAYING CHILD SUPPORT FOR YOUR CHILD. IF HE IS NOT, YOU CAN GET A FREE DNA TEST BY GOING ON THE MAURY POVICH SHOW. THEY ALSO HAVE PEOPLE WHO CAN FIND HIM IF HE WENT ON THE RUN.

WHERE TO START...

These people took money out of your bank account and did not give you a loan?

Theft, no doubt about it.

But you did put your financial information on the Internet and you can NOT do that because they WILL STEAL from you. Why shouldn't they? They don't care if you are Donald Trump or some starving granny in the ghetto. Because that is how they roll.

And you have a bank account too. Not a good idea in these times unless the child support is coming direct deposit.

DON'T BE SURPRISED IF THEY HAVEN'T SOLD YOUR IDENTITY AND OTHER FINANCIAL INFORMATION TO OTHER SCAMMERS INCLUDING TERRORISTS WANTING TO USE YOUR GOOD NAME TO FINANCE WHO KNOWS WHAT?

How can you tell who is on the other side of that computer??????

Osama bin Laden could have been writing down your information as far as you know.

KEEP YOUR REAL NAME, PHYSICAL ADDRESS, HOME PHONE (UNLISTED AND UNPUBLISHED, IF YOU CAN), DATE OF BIRTH, DRIVERS LICENSE NUMBER AND STATE,AND SOCIAL SECURITY NUMBER OFF OF THE INTERNET. DO NOT PUT ANYTHING ABOUT YOURSELF--NOT EVEN A PHOTO.

IF YOU TAKE A PHOTO WITH A CELL PHONE OR DIGITAL CAMERA, THERE IS TRACKING INFORMATION ENCODED IN IT THAT ENABLES CERTAIN PEOPLE TO FIND WHERE THAT PHOTO WAS TAKEN.

You can't believe  these great deals  on the Internet.

 

 

 

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#4 Consumer Comment

Please Report This To This Government Agency....

AUTHOR: Bman - (United States of America)

This is the kind of customer service we have all been experiencing and reporting on this site. Banks have made what was illegal legal through their financial pressure to our political system. Please consider writing a report and sending it to:


http://www.ftc.gov/reports/index.htm




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