I was a young kid when I wanted to start building on my credit, I wanted to do this so it would make things easier when I was older to obtain credit, and have a higher credit score. So I applied for numerous cards, to which I was declined because I didn't have any credit, I got this card in the mail about two months after applying for like 20 cards in one day. I skimmed over the terms of service just mainly noted the 19.7 APR charge, I was like eh.. not TO BAD.. WAS I DEAD WRONG.
I called and activated the card, Was told over the phone that there were some charges that would be added to the account, he read over the charges and it added up to like 250 on a 300 dollar credit, he said that I would just need to make payment in full on the next billing cycle I said no problem. I handed over my billing information. He said that I would be able to use full credit limit and these charges would just be added to my next bill. I said okay great, I can deal with those charges. three days later my rent check bounced because they took 687.23 out of my account. I immediately called them and asked them to explain. they told me that they took the money out for the charges and for the credit limit. I said, Is this an unsecured card? they said yes, but they wanted me to be caught up to date. I said I have not even used the card, so how could you take such a large amount out of my account? They just said they were securing my first payments so I wouldn't fall late.. I immediately asked to talk to a supervisor. I canceled the card ASAP.. Since then I talked to my bank and had the charges reversed. my rent was made on time, and with some talking with my landlord on this situation he fully understood and waved all of his late fee's and returned check fee.
I have no intention on paying on this credit card. This was back in 08, and I haven't heard anything since then. When I closed out the account they told me this would effect my credit negatively, I said you know what, that is fine.. I have not even used to the card.
This year I have started getting calls From an "attorney's office" it's 2011 the first call that I got was from some self claimed lawyer who could not provide me with any information on this "case" just a case number, and threatening to take me to court.. I told him that unless he provides me with his full Bar license number, The information in writing on the case, and something that was more than just reading my credit report to me, telling me my address and social security number. That he has no cause of action. I also told him that it was illegal for a company to falsely Claim to be linked to an attorney. And that a real lawyer would be willing to turn over this information if it were in fact a real case. (working in a legal office, I at least know this much) I since then, got received several threatening phone calls from this game guy and his offices, Demanding that I stop threatening them by demanding this information. Thought it was pretty much behind me.. The last thing I heard was I was going to receive an order to show in court (never got it!) I moved to Washington state and the law's are very very different here. I started getting calls this morning. almost 3 month's after being here, This Indian guy calls me claiming to be a Paralegal from David Cooper's Office in California.
He also refused to give me any information regarding this "class action lawsuit" I asked him, do you know what time it is? He has it's 10:28 (cali is the same time zone as i am) It was 6:49 To early to be called unless it was an emergency which told me right there from the get go that this was a fraudulent harassing phone call.. I asked him what this case was regarding and started to read my address, social, and credit report to me. I told him that I was very aware of the information that is on me. (Which is still not very much except a few on time payments from my student loans) he was still unable to tell me any information on the case and insisted that i contact David Cooper At the phone number he was going to provider me.. I asked him again to tell me what this is regarding, he refused to give me any information and told me I needed to go to the court house to find out more information. (which is a lie) I told him, Unless he was able to provide me with information on this so called case, which he is required to by LAW, Then by law, he was required to stop calling me when I requested,.. and then after stating this, I said now.. I am asking you to stop calling me regarding something that was fraudulent.. and then I hung up..
All In all This company is VERY Fraudulent and is down right dirty in their practices. they lie cheat and steal, and most of all what they are doing is 100% illegal.. Now how exactly am I going to prove they are calling me threatening me with lawsuits and arrests? IF anyone could help, or has had the same experience with this company, CONTACT ME... I want to take this company to court so bad right now. I should have listened to my family when they told me when I was 19 to not open up this account because it sounded fraudulent.. Well they are very much so..