I would first like to say that I feel victimized and foolish. A lady called me one October evening and advised me that I was approved for Master Card credit card with a 2000.00 credit limit. My first instinct was to obtain more concrete information.
Therefore, I asked if there was anything in writing that she could send me and she then advised me "no". She stated that she wasn't an employee of the credit card company that there job was to process the fee associated with getting the card. I asked her several times if this was in fact a Master Card with a guaranteed 2000.00 credit limit and zero financing for 3 years. She assured me repeatedly and even gave the particulars of the offer to my husband.
I was still skeptical and she placed her supervisor on the line to verify everything. So I then gave her my checking account info and she advised me that 249.00 would be debited from my account on 10/15/04. She advised that I would receive the credit card in the mail 15 days after the debit from my checking account.
Around 15 days after the transaction went thru on 10/15 I called there toll-free number to get the tracking information on my credit card. They advised me that it would actually be 25 business days from the 10/15. On 10/17, I received a packet of information with several offers but there wasn't a credit card in there. The first part of the letter stated that I would receive my card 25 business days after the date of the letter. The letter was dated 11/03.
The information is starting to get more inconsistent so I called on 11/18 and spoke with an abrupt customer rep who advised me that I wasn't going to get a card and that there was an application in the packet for the card because they needed my signature for fraud reasons (that's funny).
So I got home that evening and pulled out the information again. There was an application for a Master Card, a Master Card debit card that is. To make matters worse there was 39.99 application fee. I called Master Card customer service number and they advised me that they knew nothing of a Centurion Financial Benefits affiliate. He advised me that he received several calls about this company and he was instructed to take my name address and phone number.
Luckily for Centurion there customer service department was closed. I decided to look up some information on line about this company and low and behold there's a rip off report. I was in disbelief, this company and it's employees are knowingly ripping people off.
I called there customer service department today and was met with an irate representative who accused me of agreeing to a debit card for 249.00, who also wouldn't let me speak with a supervisor and then proceeded to hang up in my face. I work in customer service and I was shocked at her behavior.
I called back in again and spoke with a calmer representative who told me that my money couldn't be refunded and that I couldn't speak with a manager, but she would have one contact me in 24 hours.
I went to the bank today to dispute the charges and they advised me that since this was taken out of my checking account with my permission that the charges can't be disputed. My ultimate goal is to have this company put out of business. This is theft in the simplest of forms and I plan on writing letters to Consumer Affairs, The Better Business Bureau, Sen. Hillary Clinton and the New York Times. I may even have to report this to 60 minutes.
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