About five months ago I was on visa.com applying for a credit card since I would be heading to college soon. I chose capitol one and filled out an application and had received an automated response saying that I would know if I was eligable by mail within 7-10 days. Convienently, about 8 days later I received a letter in the mail from Capitol Choice Consumers Credit, so to my disadvantage, I assumed it was the same thing since I have never gotten anything like this in the mail before. It asked for a one-time fee of $39 because I had not yet established credit (I am only 18). So I sent a check in and was suppose to receive my "pre-approved" credit card within 7-11 business days. They called me a week after that letting me know it was on the way and with it I would be receiving "Hartford Auto Club" card as well which was free the first month and if I didn't cancel after that my card would be charged per month. Three weeks later my card came with a buyers book similar to LTD. It was junk. I called them and canceled my account, it wasn't what I wanted or was expecting. I did not bother canceling the auto club card because I closed my credit account. Now five months after all of this I got a bank statement in the mail had stated that I bounced a $99 check. I called the bank all they had was a company number and said it was a check by phone. After three days I got someone at the company, it was the "Hartford Auto Club". They said I needed to talk to Capitol Choice. Of course I cannot reach them by anymeans. They are the only possible way the other company has gotten my check number, I had never communicated and especially NEVER gave them my account info. There is nothing I can do. I am heading to my bank this afternoon to try and settle it, but I am sure I am going to have to pay the balance. Becarful. AmandaClare, Michigan
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