I was recently contacted by phone, on or around dec. 4'th, by a man with a heavy accent. He said his name was Paul Frank with Fundamental Consumer Strategies, and offered Me a MasterCard with no annual fee 0% interest and a $2500. Limit, soon to go up to $5000. If I pay my bills on time.
I was told I would be asked a series of questions by an associate of his and to answer yes to all, but to hold any questions I may have until the end, otherwise I would be transfered back to him and start the process all over again. I bit into this like a fish on a hook, as it had been explained to Me this was a great way to build My credit.
"Just take aloan from any bank and make sure $299. Is in your checking account by the 15'th of dec. To cover the one time membership fee." 'Boy did I bite. I'm 34 and a renter living paycheck to paycheck from the same job for the last 5 years, with a girlfriend and her 13 yearold son for the last 4.
The phone transfer took place and I was suddenly talking to Kevin, who informed me that I "would be recorded for quality assurance. My first mistake was giving him My account#, then a routing#, oops I asked a question! Back to paul. I finally got through the process and waited.
My suspicions were first raised when I could'nt reach either of the customer service #'s they gave Me. One was completely bogus, off by one didgit from the other. Since I've reached an answering service that says who they are, but are'nt open. A message saying no one is available or a constant busy signal. On Dec. 16'th My checking account was debited via virtual check by A.I.G. Ltd. A division of Wachovia in Orlando FL. According to My banks main office. Still no card. I even called AIG 866-581-5774 they, or Mia whome I talked to was very short with Me and seemed to defend them, telling me I should be patient with this small company. She then directed Me back to 866-333-1593. Other than an affidavit of unauthorized transactions with My own bank, how do I fight this?
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