First off let me say that I get confused and frustrated very easily, and at times am very gullible. I had bad (or delinquet) credt, and I couldn't get any credit card or loan because of it.
A couple weeks ago I received a phone call from NCFA. And I talk to this man and he tells me that I have been approved for a credit card with a $2,500.00 cash advance limit.
I tried finding out exactly what it was, and I was always hesitant (which probably helped him prey on me) especially when he "needed" my checking account number to verify I had an "active" account.
He then tells me they would need a one time only totally refundable $300.00 deposit. At this point, I wasn't sure I could afford to do this, but then he says I have 14 days and I could arrange to make payments. I have heard of credit cards asking for a down deposit before.
After "supposedly" explaining the DEAL and how it will rebuild my credit, and totally confusing and frustrating me at the same time, he forwarded me on to a representative. I say yes, what do I have to lose to talk to someone else.
So I think to myself, "Hey this is a good deal, I can try and get my credit back on track and have a credit card." He did tell me it was for catalog purchases, but he also said I could get cash advances up to $2,500.00 at interest rate of 6.9%. He led me to believe the money would not be withdrawn till after I recieved my packet (which i never recieved). He also tells me I will be receiving 4 $100 certificates towards my balance. So I say good deal. I sign up.
I happen to realize something was wrong when I suddenly checked my account and found it over drawn as was other transactiuons I made that should have cleared. I immediately look for the info I wrote down and call customer service, which at first I am told I have not dialed enough numbers, so i called the number that originally called me, then had to call the C.S. Number backas they had been "supposedly" having phone troubles and then am told they can not do anything as my account has a pending transaction. So I get on the phone with my bank to try to stop the "pending" transaction and am told there is NO PENDING transaction. So I call C.S. Back, by this time I am LIVID, because I paid $300.00 for something I did not get, plus was charged extra fees for insufficient funds.
I got totally IRRATE and was yelling at the guy, telling him he needed to put my money back and he also needed to refund my overdraft fees due to them withdrawing this money. I could barely hear what he was saying, like he was 10 miles away from the phone, and I told him several times I could not hear him.
I would tell anyone being called by these guys TO NOT do it. They mislead you on what you will be receiving.
If someone knows what I can do to get my money back, I would be happy to hear any suggestions.
Dawn
manchester, New Hampshire
U.S.A.
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