I have never in my life seen such manipulation or deceit by a company. Right from the start, things were fishy, but my hope to re-establish my credit was too great, so I ignored the red flags. This is a warning to anyone thinking about doing business with Majestic Benefits in New York. Please steer clear from this company.
A few months ago, I was called by Majestic Benefits from the "east coast" explaining to me that I had just been approved for a credit card with a $5,000 limit. Because I had some health problems, my credit had inevitably suffered.
As a result, I was not approved for any secured lines of credit elsewhere. So when Majestic Benefits called me, I was thrilled!
The representative asked me for my checking information to pay a one time $300 "start up fee" for a "credit card kit" which I agreed to pay.
Because of hard financial situations I had as a result of relocating to another state, my checking account was short funds on the day the withdrawl was to take place and Majestic Benefits was denied payment as there were insufficent funds in my account.
I had come up with the money a week later and for 5 months [Since April] I have been trying to contact them in regards to setting a payment date up! April to August!
Every time I called, I was on hold an hour before someone picked up the phone. When I called, the reps would tell me that there hadn't been any activity on my account for months. I would respond with the fact I had called their company a number of times that week, the week before that and the week before that!
The reps would always say: "We're sorry. There are no notes indicating that on this account. We can't take billing information in this department. I will leave a note and someone will get back to you within 24-78 hours." No one ever has in five months!
Customer service took my billing information to get money out of me the first time! Why not the second? Because they want a "sure victim" and because I had insufficent funds the first time, they didn't want to waste their time on me any longer when they can get someone else's money for sure.
I told the rep that if someone didn't call me back to set up a payment plan, I would take my business elsewhere. The rep then responded: "I'll make sure to notate your account. They will contact you shortly." And hung up.
I couldn't believe the "business" I was experiencing! You'd think that if they wanted the business, they'd call me back. They never did. Months later! I have come to learn that the company is not dealing with me as they want "victims" who have the funds as to manipulate them and rip them off!
When you pay for this "Credit Card Kit" with the $5000 limit, it takes a month, 30 days, to send out to you. Why? Because when you recieve it, you'll learn it is not what you paid for at all! Instead, it's a card with only a $500 limit [I've heard it be more or less by only $100 or so] and you have to pay more money to even get that limit activated. When you go to return it and get a refund for your $300, they say it's past the 30 day limit and no refund can be given.
You explain you should get your refund because it took them 30 days to send it out so you didn't even know you wanted to return it until it got to your home! More then likely, you recieve it on day number 31! That's their plan! They want to rip you off and take your money!
When you call, the customer service reps know nothing about "money matters" because it's not "their department." I asked if I could be transferred to someone who knew about "money matters" and they replied with: "The Billing Department does not take incoming calls. They only make outbound calls. But I'll notate your account and someone will get back to you within 24-78 hours." No one will call you.
So, in other words, if you have a problem with your bill or anything having to do with your money, you can't do anything until they call you. Let me tell you: They won't! They want your money.
Do not do business with Majestic Benefits! Please heed this warning.
Minnie
Las Vegas, Nevada
U.S.A.
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