Today I was contacted by a man from Centric Group that claimed that I had been approved for a Mastercard with a $3500 credit limit. He stated that there would be 0% interest for 3 years no annual fee and no monthly fee. After the 3 years the interest would only be 4.9%
Since I had been reserching credit cards for people with bad credit I figured that I had checked into it and that they were just following up on the info that I had submitted to credit card companies online.
I asked lots of questions most of which he answered with no problem. I even had my husband talk to him. We decided that this would be a great thing to do since we are currently trying to find ways to re-build our credit.
I got back on the phone with him and he stated that there was a one time $369.00 fee that they would take directly out of our ckecking account on January 3. All I needed to do was give him my checking account number, routing number and name of the bank that I have the account with and I would recieve the card, and a free vacation package in the mail in 7-25 business days.
I gave him my information and he transfered me to a "senior officer" that had me answer questions in regards to my account and the promises that they made to me. After answering these questions the "senior officer" gave me a customer service # and also a contract # so that I could access my account that I had just set up.
He then told me to enjoy my trip and hung up. Immediatly after hanging up the phone I had a funny feeling so I called the number that he had given me. I got ahold of a women who assured me that it was legit but said that they could not access my account until tommarrow. I then hung up with her and left for work.
While I was at work my cellular phone rang and it was a women from Centric Group saying that they were having problems gaining access to my account and that I must have given them the wrong account #. I was asked to repeat my account info and did. I then asked her if it would help if I called my bank to have them authorize it. She said that she could call them with me on the line which I agreed to.
She then called my bank and talked to a lady there to verify my info. After she told the lady I was on the line my bank verified my info and next thing I know the line was dead.
I tried to call the customer service # back and all I kept getting was a recording stating that "this mail box has not been set up yet". I even tried calling from my work phone thinking that maybe they bloked my cell # from getting threw since they had everything they needed and didn't want to speak with me again.
I then realized that this was not a legit offer and called my bank immediatly. I talked to the same lady that had taken the call in the first place. I told her everything that had happened and asked her what she thought of it. She stated that it did not sound right and that I should "revoke authorization" through my bank. I decided that this would be the best option and have to call her first thing in the morning to give her all of the information and fill out a form.
I then called the customer service # again and finally reached a man. I explained that I had contacted my bank and they advised me to "revoke authorization" and that I had. I told him that I wanted him to cancel all my info and take me out of their system. He told me that there was nothing that he could do today because I was not in there system yet and to call back tommarrow.
I came home tonight and decided to do a little research on my own to see what I could find out. I was freaked out when I found the same phone number on another Rip off Report.
I am just very glad that I found out this tonight while I still have the chance to do something about it. Tomarrow I will be at the bank first thing in the morning and even though it will be a total pain to close my account and do everything that needs to be done to hopefully put a stop to this I believe that writting this report can hopefully help someone else like April from Bloomington Minnesotas report helped me.
Amanda
Sundance, Wyoming
U.S.A.
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