This company has directly debited my bank account (using my acct# & routing# only) 5 times since 12. Twice they tried to take $149.95 to "enroll" me in their "credit plan" after I returned their membership packages and refused to join. The "Gold Credit Card" is NOT a VISA or M/C - it is just an expensive revolving charge account good only for buying overpriced items in their USA Shopping Club!)
I did get the money refunded, but it's a huge hassle, and can wreak havoc by over-drawing your checking account or simply making funds unavailable for days.
The targeted market for this "service" is people who are already struggling financially - trying to rebuild or initially build credit - so they (we) don't have any extra money to cover unexpected withdrawals!
Even after talking directly to their "customer service" people and clearly saying NO to all offers there have been 3 different direct debits ($19.95 in 01 for "elite" or "preferred" status! $9.95 also 01 for "monthly credit report access" and again yesterday another $9.95 for unspecified "benefits".)
I believe they charged this fee because I just received my annual free credit reports from Equifax, TranUnion and Experian and CMG (Commonwealth Marketing Group) shows that I have a credit card with a $7500 limit "Paid or Paying as Agreed" (although the balance & high balance are both zero)
I now have them blocked at my bank - any direct charges with be refused - I didn't know that I could do that or I would've done it in Dec!
Lorraine
Scotts Valley, California
U.S.A.
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