On July 03, 2005 I received a call, on my personal cell phone {Number 6204809524}, from Oxford Financial Benefits, offering me an unsecured mastercard with a credit limit of $2, 000.00. I was advised that there was a required confirmation/insurance deposit of $249.00 which would have to be collected before the Mastercard could be processed, authorized and issued. I advised the female caller that I was interested, however, would have to await my paycheck's automatic deposit which would occur on July 05. I asked her to please call be back sometime after July 05 so as to confirm her offer. NOTE: I figured that if she did retain my information and did return the call, as requested, then it probably was a valid offer.
A female caller did call me back on July 06 and again verified that she was with Oxford Financial Benefits and again confirmed the Mastercard credit card offer. At that time I did give her my personal and bank checking account information. After the exchange of my required information the female salesperson issued me a "validation code number" which she advised I should retain to memory/record so that I could check on the progress of this transaction. She likewise advised me that when my new Mastercard arrived this same code would be required for"Card Activation". The validation code she assigned me was 3428545.
During the time period from late July 2005 to mid September 2005 I did call Oxford Financial Benefits', contact phone number 1 866 333-7715, and did inquire as to the progress/status of my Mastercard. On every occassion a pleasent female requested my "Validation Code" number and after code number verification, I was advised as to the current status of my Mastercard.
What alerted me, that this was a possible Rip-Off, was the following:
A. I was advised that there would be a required 60 day waiting period so as to confirm my automatic bank account withdrawal.
B. Confirmation/Processing time elements were scheduled later and later.
C. Confusion, by the Oxford Financial Benefits representatives, as to exactly what I had ordered: {credit card, services, etc.} on a call per call basis.
The last contact I had with Oxford Financial Benefits was approximately September 15, 2005. I was advised at that time that my Mastercard had been processed and that it would be mailed to my on September 30, 2005 and I should receive it by October 10, 2005.
On October 04, 2005 I decided to call one last time to verify that my Mastercard had been forwarded. Upon attempting to call the 1 866 333-7715 phone number, as I done on numerous previous ocassions, I obtained a phone company recording that the phone number I had dialed was either no longer valid or that this number was unable to be called from my calling area.
NATURALLY, by this time I realized that I had been "RIPPED-OFF".
It is therefore my intention to relate my Rip-Off story, in exactness and to the best of my ability, so as to possibly assist other citizens in not becoming Victims of this type of "Rip-Off".
I will likewise assist any law enforcement agency or other interested parties, in any manner possible, so as to bring these Rip-Off artists to some resemblence of justice.
I would also like to be able to participate in any "class-action law suits", reference Oxford Financial Bebefits, if any such law suits do become available...
Gary
Russell, Kansas
U.S.A.
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