On Friday 12/09 VIP/CBicardservices.com deceived me by making me think I was applying for a VISA card. I knew that a $159.95 charge was going to be coming out of my checking account. But seconds after I hit the send button approving the transaction I get an email saying "Now we have a VISA card for you".
I called IMMEDIATELY and told them I was misled and that I thought I applied for a VISA and that I wanted this cancelled and for them to NOT take the $159.95 out of my account.
The customer service rep named Linda told me I had to put a stop payment on my account so it would not come out. So I did a stop payment for $159.95 the very next day, Saturday 12/10. It cost me a service charge of $25.00.
Then on Wednesday 12/14 a debit came out of my account for $159.00 EVEN, not $159.95 like the web site said it cost and the email confirmation I received said it cost and the customer service rep Linda advised me to do. My stop pay of $159.95 was not going to stop a debit for $159.00.
I think they knew that and they do that on purpose to get your money. I was so upset it was Christmas time I was unemployed and now $159.00 was being taken away from me that I needed for Christmas gifts.
I was so upset and called right away on 12/14 and asked for a supervisor. The supervisors name was Joann. I pleaded with her, cried and begged her to get the money back into my account as soon as possible because I was unemployed and needed all my money for Christmas.
She told me to fill out cancellation & refund forms and fax them to her. I did and she said the money would be back into my account by the end of the week. That would have been by Friday 12/16.
I did not get my money back into my account that Friday and not for weeks after that. I called and asked for Joann about every other day or at least 2 times a week. I would be put on hold for ever using up my cell minutes. I would finally hang up and call back and leave a message for her to call me back. She never did. SURPRISE SURPRISE!
Finally one day Thursday 1/05 she did come to the phone and told me I would have the money in my account tomorrow or the next day. That would have been Friday 1/06 or Saturday 1/07.
Well guess what, I JUST got $100.00 credited to my account on Friday 01/20. Of course they shorted me $59.00.
On Wednesday 01/25 I called and asked why only $100.00 was credited to my account. I was giving them some time to make a second credit to my account of the $59.00. But I got to thinking I better call and find out what is going on. A customer service guy said the $59.00 was not refundable.
I said NO NOT going to happen. I said if this $59.00 is not taken care of soon I will prosecute, go to the BBB and I have a lawyer friend that will help me for free to solve this problem. I told him to pass this info on to Joann and have her call me.
I also said I was going to the web site, meaning this web site and tell my story. I had run across this site a few weeks ago and was not going to tell my story thinking I would give them the benefit of the doubt but not now.
I could not believe they had the gall to short me $59.00. Joann never told me that I was not going to get the full refund.
This kind of fraud has to stop. They know what they are doing and if we all have the same or similar stories to tell we need to tell them and put them out of business. Why aren't they already out of business?
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