Approximately one year ago, I received a telephone call from a soliciter (a slick one at that). He stated that I had been approved for a credit card with a $2000 limit. He also stated that I could optout within 90 days of the receipt of the card, if I was not satisfied. He requested a $200.00 deposit which was deducted from my checking account in two payments. I felt that because I had basically a secured credit card that it would be valid in using wherever I purchased something. After the $200.00 was deducted from my account, I waited for nearly three months and had not received the card. I searched the internet and found what I thought was the right company. It took some time, but finally I was able to contact a living person and told them that I had not yet received the card or any confirmation. I waited at least another month and then received a package which contained a credit card, a catalog, and some coupons for purchases. The catalog lists products with the names of Irlene Mandrell, Justin Wilson, and George Foreman. However, it is a very skimpy catalog and the letter informed me that I could use the credit card to purchas items from this catalog and in order to activate my card, I needed to pay $19.95. I fumed and decided this was not what I was offered from the gentleman that called and stated I had been approved. I sent a letter back to them on October 3 confirming that I have finally received the package and that I decided I did not want to become a member and returned the card to them (cut in two), and requested my initial deposit of $200.00 be returned since I was declining the offer within the 90 day period of receiving the package. I did not receive any word back from them, nor the $200.00, so I sent the letter again on November 6 and a copy to my lawyer. I still did not receive a confirmation of receiving the letter and I made a telephone call in December and they told me that my file was still being reviewed.
I realize I was cullible and have to learn my lesson, but if I can forewarn someone else about this scam, then I will feel I have done some good.
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