I received a call on January 30.2006 from a company who claimed to be Visa, inquiring about a credit card that I wished to receive from an online ad containing a credit card limit of up to $5,000.00. They informed me that I was approved, and that I would have to make a security deposit of $389.00 to receive my card. They read the information that I had given them online back to me to verify if the information that I had given them was correct. The company (supposedly Visa) then told me that my account would be debited on Feb. 22 for the sum of $389.00, and that my Visa credit card would be sent out as soon as my payment cleared for my security deposit. The company also gave me a verification number and an 800# to call back and check on the status of my account and card. After the company received my information, I received no calls or letters from them, which I thought was abnormal. I then called back to cancel my order for the Visa card on Feb. 18, because I had a bad feeling.
When I called the 800# they gave me, they asked for my number to pull up my account. I gave them my number and to my surprise they had no information on me, which made me wonder more, because when they called, they had all of my information. Because my name wasn't in the system, the customer service representative told me to call back in two days and speak with a supervisor. 2 days passed and I called back on Feb. 20 to get the matter cleared. To my surprise the answering machine picked up and told me that the offices were closed and they were open from 8am until 5pm. On Monday Feb. 22, I called back to cancel my order for the Visa credit card, so that my checking account would not be debited. My information was still not in the system. I was definitely sure that something was wrong. I then told the customer service representative to leave a note to the supervisor stating that I did not want this card, and to not take the money out of my checking account. My checking account was not debited as of Feb. 23. After I checked my checking account on the 27th of Feb. I begin to feel like I had handled my situation with the company and it was over.
I checked my checking account on March 7, and realized that the company had debited my checking account on Feb. 28 for the amount of $389.00, which I specifically told them that I did not want them to do. After realizing that they debited my checking account, I called them to see what was the status of my card and why did they take the money out of my account. They told me that I wasn't getting a card and that I was going to receive a package in 22 days, and once I got the package to call them with the postal tracking number in order to cancel my order. I told them why couldn't I cancel now before my order was processed to save time and money. They told me that they, CCR, couldn't help me because they only handled accounts and they were under contract with PCV (personal choice vouchers), so they couldn't handle refunds. They also told me that they could not transfer me to their managers and that I would have to wait until the package arrived (22 days), then I could send it back, after I give them my tracking code from the post office to get a refund, which would take 30 days. I was very furious at the way they handled business, because I told them not to debit my account anyway, and also at the fact that they led me to believe they were going to send me a card. I could have gone to the library to get a package on how to apply for credit cards.By visiting the site, www.rip-offs.com, I was ahead of their scam, which is still in process as of today (March 7. I hope they get caught and I hope they, CCR and PCV, get what they deserve!
Damarius
Opelika, Alabama
U.S.A.
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