It happened pretty much the way the other reporters said it did. I was called on the telephone by a man with an Indian accent. He told me I was pre-approved for a card with a $5,000 credit limit, and he needed my bank account number to do a check-by-phone for the processing charge fo $69.95 "and not a penny more". The $69.95 was taken from my account as expected, but nothing came in the mail for nearly a month.
One month later, approximately the 1st day of May, an additional $299.95 was taken from my account. I called the number on the bank statement and after a long wait, talked to a woman. I demanded to know what the additional money was for, and she said it was to pay for a "Lifetime Membership". I was not told about this Lifetime Membership by the Indian caller earlier, and I received no mail telling me about it. The customer service rep gave me an email address, which I used to write to the company to demand my money back. They have not returned my money.
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