I was telephoned on a saturday morning, (the lady had my details already!) offered a credit card (which i thought i had applied for through my existing bank) and whizzed through a series of checks and speedup voice recordings, only to discover a few days later that a debit of $129.95 was put through on my checking account.
There was no subsequent service delivery (ie no credit card in the post) and endless calls to their "Customer Service" line were in vain.
I have lodged a complaint with my bank, and pending the outcome of their investigation stand to get a credit back to my account. I am not holding my breath.
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