Was phoned 10/8/04 to say I was approved for a credit card with a limit of $ with 4% interest for life, no annual fees, for a ONE TIME PROCESS CHARGE OF $249. My checking account information was given and it was taken out of my account that same day. I was told to listen to the recording, if I had any questions, a service rep would come back on the line to answer it. When I interupted the recording to ask the rep what was meant by the term "this is a store value card", he said it simply means that it can be used in any store that mastercards are accepted.
So, I continued listening to the recording and at the end I said "I accept". The rep came back on the phone to say that I would be received my Centurion Mastercard no later than 11/15/04. When I didn't receive it, I called on 11/20/04 to find out if it had been mailed out. They said it had not but to give it another week. I asked about the $2000 limit, and the lady said that it's "up to $2000". I asked what did that mean? She said, "you have to put up the money before you could use the card, you know, like a secured card."
I told her that I wasn't informed that this was to be a secured card. She told me that I was informed that it was to be a store value card and that is what that means. And, if I didn't understand that I should have asked before I accepted. I told her I did ask and that I was simply told that it means it's taken at any store that mastercard is accepted. I asked what he couldn't have given me a more clear explanation and she said "we are not suppose to, Ma'am, this is a marketing tactic." I told her that since I still have not received the card, to cancel it and refund my money back into my account. "It's non-refundable" she stated and hung up the phone.
I called back on 11/24/04 and asked to speak to a manager, that person said if I had a complaint I could write to the CEO, Bryan Hill. I again asked for my money back since I was not told about it being a secured card, and, still as of today, not received it anyway. She tried to say that a box containing a benefits package had been mailed out to me that had a form in it that had to be filled out and mailed in along with a check, before any card would be sent. I have not received any box yet, I told her. And, I don't want it either. She said, too bad, and hung up the phone on me again today.
I am contacting my bank today for help. They said that there is only a 60 day window to work on a case like this to get my money back. They are willing to help me by filling out an affidavit of unauthorized or fraudulent activity on my account and there is a box to check on it in which "there has been no written authorization". Had I waited until 12/8/04, I couldn't have even done this much to help retrieve my $249. I still don't know if I'll get it back or not.
Angie
Powell, Tennessee
U.S.A.
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