In March I recieved a phone call from a soliciter representing Advantage Capital telling me I was pre-approved for a credit card with the limit of $2500.00. The only catch was there was a one time proccessing fee of $172.00 which would be electronically debited from my checking account and a monthly fee charged to my new credit card of $4.95 a month.
I new I could not afford a $172.00 proccessing fee because all my bills were due and there wasn't enough to cover it all as it was. The representative on the phone told me to go ahead and authorize the debit and my new card would be here in a few days and I could cover what I needed with the card. I thaught this was a great idea! A few days later I did get a card in the mail and in big bold letters right on the front of the packet it said "THIS IS NOT A CREDIT CARD".
I continued to read and found out that this was a coupon card with $2500.00 worth of savings and the "$4.95 was actually $14.95 and wold be debited from the same account they took the $172.00 from. I imediatly called them and cancelled. They were very apologetic for the "misunderstanding" as they called it, and said to send back the card and the packet and I would recieve a full refund within 30 days. After 30 days went by and I still hadn't recieved a refund I called to find out what the problem was and again they were very apologetic and said they would e-mail their corporate office and they would get in toch with me within 7 days.
Well, 7 days passed and I heard nothing. This continually happened every seven days for about 3 weeks and I finally was contacted by a man by the name of Corey and he assured me that the money would be electronicaly deposited back into my account within 7 to 10 days. Again, 10 days pass, no refund.
So I called and called and still got the run around! I filed my complaint with the BBB of Nevada and about a month later received a letter from Advantage Capital stating they got my complaint and again apologized and said my refund would be in my account within 7 days after August 23. It never arrived. After a few more phone calls to Advantage Capital with no success, I then called my local news investigative reporter.
They did an interview and took a statement and now when I call Advantage Capital to find out where my money is they say they cannot discuss this account because it is being handled by consumer affairs and that consumer afairs will be in contact with me. It is now October and the bill money I used for this card has not been returned and I am noe facing forecloure on my home!
If anyone out there can get my money back or give information on how to contact the president of the company I would greatly appreciate it! They are now responsable for putting a family of five out on the street! THEY NEED TO PAY!
Norma
palm bay, Florida
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