USA Credit/ Imagine MasterCard USA Credit took $149.95 from my bank account without my authorization.... Ripoff internet

On July 17,2007 my husband and I applied for a credit card with Imagine MasterCard, not knowing they were also USA Credit. We were approved for a line of credit and printed out the "Terms and Agreements", then we recieved the credit card, activated it and NEVER used it,then all of a sudden on July 25,2007 our bank was debited, money placed on hold for $149.95, without our authorization, or even knowing who USA Credit was. We contacted our bank, Bank of America, immediately to stop this transaction, especially since we are now in a minus, with an NSF fee. Thankfully my bank is fully cooperating with us and started an investigation immediately for us. We also immediately contacted Imagine MasterCard, the very first question asked of "Pamela" was if they are also known as USA Credit, and she responded "yes", our next question was, if the conversation was being recorded, she answered yes. My husband demanded the account be closed immediately and our money put back into our bank account and "Pamela" stated this would be done as requested and demanded. When we checked our bank account this morning, July 26,2007, the money was not taken off hold, in fact it was completely deducted from our account. Again the bank was contacted and the investigation process totally started. Again Imagine Mastercard was contacted, when "Reginald" a supervisor, attempted to inform my husband they are not USACredit, when my husband corrected him because of the conversation yesterday with "Pamela" who informed us it was USA Credit. "Reginald" changed his story at that time, we also found out from Reginald that our credit limit with them was cut in half by Pamela, and the account was NOT closed as demanded by my husband. Reginald stated we had to fax them a copy of our bank statement proving that USA Credit deducted this money from our account. Again our bank was notified of this request and all of this is being done at the bank with the branch manager to assist with this ridiculous request. They know they took this money without our authourization, and they know it is OUR money. I am so glad I found this website and other people going through the same devastating situation we are going through, if only I knew of this web site before we applied. Imagine MasterCard is all over TV commercials and the Internet, and should NOT be allowed to have any type of business at all, they are fraud and thieves, taking hard working peoples money with them not even knowing about it, or without their authorization. I do feel the Attorney General's office should be investigating them, this is complete fraud. If we all cannot get our money back I believe we should all get together and file a classaction lawsuit against them and watch them fry. It took them one minute to take our money and it will take forever to get it back. Thankfully we have all of the "Terms and Agreements" because there is absolutely no mention of them being USA Credit, or them deducting this amount of money from our checking account, which is what is really helping us with the bank fighting for us and getting our money back, without penalty to us from the bank.

Mary
philadelphia, Pennsylvania
U.S.A.