I was solicited on April 16th for a mastercard for a credit limit of $2000.00. They told me that if I paid $199.00 I would never have to pay for an annual fee or monthly fees. Also the interest rate was "0% the first year and just 9-10% the year after that for as long as I kept the card!" GAG! Also if I kept a good paid balance for 3 months then I could recieve a Visa card for a limit of 25,000. With an interest of 9-18% and of course no annual fees or monthly fees.
My husband and I already have a legite credit card and we wanted to transfer our high interest rate to this lower one. Which this so called first capital said we could do. I was excited.
The lady asked me for my account number and the routing number so they could debit my account for the $199.00. She said it would take place on the 19th of April. I asked her if she needed my social security number and she said no.
She told me my new mastercard would be sent in about 2 weeks. She also told me that when I recieve my mastercard I would have to call the 1-800 number on the back to activate it.
Two days later I recieved a call about 8:00pm. It was a woman who had a strong what seemed to be middle eastern of some kind. That itself made me weary. (no harm intended.)
She told me I needed to give $19.95 to pay for shipping and handling on some"very valuable coupons for airlines and shopping"
I told her I did not want to pay 19.95 for something I didn't want. She then said I had to in order to get my mastercard. I explained that did not match what I was told before.
I asked for her supervisors name and ID number. She said I could ask the next person she trandfers me to. I said ok. I was put on hold after arguing with her about not wanting to give my social secruity number.
When the next woman answered she also had a strong middle eastern accent. She assured me that I needed to give her my social security number so I could have my card already activated when I get it.
I said I was told to call the 800 number on the back to activate it. Then she said that someone else may get a hold of the card and charge it up. So she insured me that by giving her my social security number they could make sure no one else with a different number could use it.
SO I did. Thinking that I was actually protecting myself.
I decided on April 17th to close my bank account and open a new one. (They will be mad to know they won't get my money. And they may try to give me bad credit.)
Unfortunatly I have checks that haven't cleared. Needless to say I will be getting notices about this checks and probably a fee to cover them. And It wasn't even my fault. Also I lost my overdraft coverage of $1000.00 because I had to open a new account. Now my overdraft limit is only $100.00.
My husband had been laid off work and sometimes we had to rely on the overdraft charge to pay bills. But now I don't know what's going to happen if we need the extra money.
I want them to pay for my checks that bounce and my overdraft charge that I'm missing every month of $900.00. Because of so many people they have scammed I'm sure this won't be a financial hardship on thier part.
I will assign my lawyer if need be.
Teresa
Newhall, California
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