They called me at home and told me I could get a credit card to help build back my credit back up. They called me in May 2002. They told me the card has no annual fees, no monthly service charges and no service charges. It is a 9.9 o/o interest rate with a $2000.00 limit. This would only cost me $199.00. They gave me a pin # so when ever I needed to call them, I would identify myself with this pin #.
They debited the $ from my account on May 14, 2002. I was told after they got the $, I would recive a packet in the mail and in there would be a card for me to sign, sign it and mail it back to them. I received the packet a month later in June. They told me my card was mailed out to me on June 10th. It would take a few weeks to receive the card. I waited and waited. Now it is the end of July and I still never received it. I called many times and spoke with Patrica Clark who is the day time superviser. She checked my address and it was correct. She said they would send out another card. When I never received it again and I explained to her I held up my part of the bargin and paid for the card, you need to hold up your part of the bargin and send me my no annual fee, no monthly fee, no service charge, 9.9 o/o interest card and Patricia tells me that it is not that kind of a card. It is a secured card and there is no $2000.00 limit. It is only what I put into the card.
At this point I had asked for my $ back and Patricia Clark informs me I need to send them back the packet and proof the $ that was taken out of my account. I refuse to do this because it was going to cost more $ to send back this packet and to get a statement from my bank to show them proof. Patricia told me to speak with her supervisor, Joy Brown. I left many messages for her and she never returned my call. Finally when she did call me, she told me I would get my $ back in my account in 10 business days and that would be October 1, 2002. On that day it wasn't in my account. I called back again and they said their was a mistake, they entered my account in wrong to their bank and it regected the $, so they told me it would be another 10 business days. This would be October 17, 2002. Guess what, it wasn't in there. I called back again and spoke with Patrcia Clark again and she said it went in there bank on October 8, 2002 and I would have it in my account no later then October 22, 2002. When it wasn't in there that day, I called them back and they disconnected all their numbers and fax machines.
In this whole ordeal, I have spoken with other day supervisors and they were very rude and disrespectful to me and they claimed I was the one being disrespectful. Her name is Shannon Scott. I informed her I was going to get an attorney involed and she told me she didn't care and do whatever I felt. At this time she hung up on me and when ever I would call right back, she would get on the line and I asked her very nicely let me speak with Patrica Clark, she told me she was out of the office at a meeting. I was given another name to speak with by another phone operator at this company, whose name is Mark Lennox. He is Joy Brown's boss. When ever I call and ask for him, the operators would ask me who gave me that name and sound very nervous and flustered.
So that same day, I had my husband call and ask for Mark Lennex. They told him to hold on and a few seconds later Patricia Clark got on the phone. This whole time my husband and I are on confrence call so I could listen in. When Patricia got on the phone I asked her why she couldn't come to the phone when I called. Shannon told me she was out of the office and wouldn't be back for an hour, but when my husband calls and askes for Mark Lennox she all of a sudden appears on the phone. This was in the time frame of 5 min.
I have spoken with many of the operators there and they told me to get my $ back as soon as possible. That this company does this a lot to people. They promise them the same thing and take their $ and most of the time the people just let it go and don't worry about the loss. Well I am not one of those people who let things go that easy. This is my hard earned $ and I want it back ASAP.
Bronx, New York