Dynamic Credit Services ripoff Las Vegas Nevada
On JULY 8, 2003 I received a call from a representative of Dynamic Credit Services who identified himself as Joseph Redman, #243. He said I had applied for an unsecured credit card by filling out some information requested in a pop-up ad on the Internet. He said I was originally turned down, but my credit had improved, and he was happy to inform me I was approved for a $2,500 unsecured Visa credit card.
My instincts immediately cried out SCAM, and I said I was not interested. However, he informed me he had all my information and was indeed already approved for the $2,500 line. He explained there was a one-time only set-up and processing fee of $299.00 and the card would have a 3 1/2% interest rate ceiling. Against my better judgement I gave information on my check to his associate, Ricky, who said it was on a recorded line, and to answer only with a yes or no to his questions.
I stated that I was going to investigate the company through the Better Business Bureau, and he said, as a former banker, you know you can put a stop payment on the check if you turn up any derogatory information about us. Somehow, that reassured me a little and I gave him the info. The electronic check/draft was set to process against my account on July 10. Upon hanging up with him, and before I did some checking on the background of the company, I immediately picked up the phone and called my bank to put not one, but two stop payments on the check. One in the event they ran through a paper check, the other in case they sent through an electronic debit.
I was very specific as to the information on the check, ABA routing number, check number, exact amount, and date. Today I called the bank to get my transaction history and, to my horror, found that Dynamic Credit Services had changed my check number so that it would process against my account. My bank faxed me a copy of it. I contacted my attorney who advised I not only had been scammed (duh, I already knew that), but that I had had, or would have my identity stolen.
He advised me to file a creminal report which I immediately did, close my account, and then he gave me further instructions. I am going to pursue this as far as I can, because of the criminal and slick way they went about not only scamming me, but figuring out how to get the check paid over a stop payment order!!!!
Boy, have I learned a hard lesson. I am in contact with my bank, attorney, and since it is effecting people in other states, through the national Interpol system. THEY HAVE NOT HEARD THE LAST FROM ME!!!!!
STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, its paid for!
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
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