I was contacted by phone by a gentleman offering me a $2000 UNSECURED credit limit. The deal was that I would make a deposit of $249.00 and that would be a processing and setup fee for my new mastercard. I am in need of financial help so I thought that it was a great oppurtunity. I currently need almost 2000 dollars to repair my vehicle that is not operable. So I gave them all the neccessary information including my bank account number. They did not delay in removing my money from my account. However about thirty days went by and I recieved nothing. Now let me say with one-hundred percent certainty that I was told more than once the credit card they would give was to be an unsecured card with two-thousand dollars on it as soon as it arrived.
After waiting longer than I was told, 25 bussiness days, I called and found out that my "application" had not been approved until two weeks after the money was paid to them. Less than a week later an attempt was made by Spectra to remove an additional $249.00 from my account which I did not authorize. I did not have sufficient funds available in my account and this prevented the theft and also gave me a $33 overdraft fee to pay. They tried to steal an additional $249 from me. So today I recieved my "package" and it has absolutely nothing of any use to me. I am being roped in to paying an additional $39.95 for a so-called setup fee for the cash card they will send after I return the application form and fee. Not an UNSECURED credit limit as I was assured but a cash card with no value.
So in essence I have lost 249.00 dollars that would have been double if I had had the money to be stolen, and I can prove that the second transaction was attempted by going to my bank, and either I pay an extra 40.00 dollars or get nothing at all. Please somebody tell me what to do.
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