I received a phone call around October 15. The individual on the phone stated that they were from Fundamental Consumer Strategies and told me about a great off they had. I would receive, for a one time fee of $300, a credit card that would be 0% interest over the life of the card with a $2000 credit limit to be raised to $5000 after a couple months of good payments.
I was very skeptical at first because it seemed to good to be true. However, they seemed to have a lot of information on me which, they reported they got from a credit card offer online (which I don't remember filling out). However, they sounded like they were legitimate! So, I gave them my routing and bank account number. Then, the frustration began. I was told that I would receive the card via FedEx, but when I called a couple days later I was told that was not true and I would receive it in 3-4 weeks via regular mail. When I questioned thier legitimacy, I was told they didn't have a web site but was given an address.
When the 3-4 weeks was up, I called them for 2 weeks straight without getting through. When I finally got someone on the phone and I was given some story about a shipping mix-up where 2000 cards were sent out without addresses (whatever!) So, I was advised to wait another week - my card would for sure be in the reshipped batches.
Well, December 14th rolls around and still no card! After berating the woman who answered the phone over their negligence, I agree to wait 3-5 more business days while they air-mailed my card. I just spoke with them today and nothing.
During one of my calls, I thought to ask who the financial institution was that backed the card (since the girl previously told me that Visa would send my card)... I was told that they couldn't give out that information because it was private! Then I was informed that they didn't even have a number for FCS - they were just the customer service people and they communicated with FCS through email no phone number?
It has now been over 2 months and nothing! The thing that is so aggrivating is that they are great about having you wait one more week, 10 more business days. Everything is about more time. I have gotten a few names: Vicki, Tanya, and Tina. But still no answers!!!
I was very happy to have stumble upon this site as I trying desperately to find out something on this company. I take little comfort in the fact that I am not alone. I just want my money back. Our family barely scrapes by, and for companies to prey upon people struggling financially is so sick!!!
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