I get a Pre-approved letter stating that I am guaranteed a secured credit card. I went bankrupted 9 years ago, trying to restablish credit, I go on line fill in the information and it says I am approved. They request $200.00 to be deposited in Intermountain Community Bank (but they don't say that yet)
I pay an expidited fee to get card with in 2weeks but I do not get card for a month. Low and behold I have a credit line of $200.00 a monthly fee, (silly me) not mentioned, but worst of all I get a bank statement from the above bank and there going to pay me. 06 interest!!! On my savings!!! The going rate is 4.00% Ok, I decide to cancel but now I have to jump through hoops to get money back.
The phone call was not good enough, Then I sent a certified letter which was not good enough, after 2 months (not an 800#) I call completely irritated with them and get lied to by operator after operator. They finally cancel account after hard selling me. First operator says 30 days to get money back. Next month no money. I call again they say it take 60 days, I demand to know who has my money the person say "we do".
I confront them about the Intermountain Bank connection and the operator say we own them (not true) I track down Intermountain Bank and made a long distance call. The person there said they are not connected anyway except through contract to deposit. The Woman looked up my account and refunded my money the next day!!! Orchard Bank How Many people have just thrown up there hands in despare and lost there MONEY...
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