united financial, advantage capital, ephone ripoff CREDIT CARD SCHEME ASSOCIATED WITH BIG TIME FRAUD BEL AIR Maryland

I was called by united financial stating that they knew i just applied for a loan at the bank and had been denied. (which was true) and that they could help me. they offered me a credit card with a $3000 limit. (same as my loan amt.) they told me i needed to give a $300 downpmt. for processing. i did just that. that was april 2, 2002....it is now dec. 4, 2002 and have never rec'd any card, nor can i get anywhere with calling this company every single week since april.

no manager ever is available, nor will anyone return my calls, they wouldnt even give me information to me about who the credit card co. was until today.....advantage capital. who, for 3 mo. now was suppose to call me to tell me when i was going to receive my card! then i read this rip off scheme on this site, and find out the same thing happened to me!

we should file a class action lawsuit against all 3 of these scam artists for taking our money!!!!

i am out $300 plus, e-phone who charged my checking acct $54.90 every mo. for 4 mo. before it was finally caught got some money too. this has been an expensive way for me to learn a lesson.

i have written the FBI, i have contacted the BBB, and all they do is send me a letter stating they rec'd a letter from me!

I have written the company several letters, all 3 of them.
nobody responds.

Word to the wise....hang up on these people after you tell them you know what they are up to and should be ashamed of themselves working for such a rip off company.

Luckily, my bank investigated ephone, and refunded my money and put a stop on them getting any more money, but i had to close my acct. and now on my chexsystems report it states that there has been "suspected fraud activity" on my name., and i cannot open a new acct.
so, they have really messed things up for me and my family.

I do not have time to mess around making calls yelling at idiots every day. The government should put a stop to this and fully prosecute all these people and businnesses NOW!!!!!!

donna
greer, South Carolina