I have lived in U.S. A for 6 months so far. I received a phone call from the the fraudulent company in early October. At that time, I was waiting for a credit card that I had applied for in a nearest local bank. What a coincidence! The man on the phone told me that my application had been approved and I would receive my credit card in 2 or 3 weeks. I thought that it was the card that I applied for.
He talked with the fastest speed that I have heard on any other telephone calls with Americans. Since I was not good at understanding such fast spoken English, I made a mistake of telling him my cheking account number without fully understanding what he was saying. The date when an amount of $221.95 was debited from my checking account was 10/04. I thought the $221.95 was some kind of security deposit, since I was used to it. Since I didn't have any credit history, some other companies such as Verizon or Progressive had required me for security deposits for their service.
I should blame myself for saying yes to the questions that I really didn't understand. However, almost 3 months have passed since my money was debited but I am not receiving anything at all.
I am truly sorry to find so many victims taken by the same fraud, and also very surprised to find that the frauds have been playing the same trick for six months but have not been stopped yet.
According to the advice given by this site, usacomplaints.com, getting my money back must be a very difficult task if not impossible, especially for a foreign like me. Well, I have to regard this as a lesson for my life in this nation. It was a very expensive lesson, indeed. I will have to remove my checking account and try to get the money back as directed by the guide "How to protect yourself from credit card scams: A start-to-finish analysis" by Usa Consumer Complaints.com.
I HAVE TO ADD ONE THING:
Very recently, I found out that $49.95 had been debited from my account by a long-distance call service company called 1rate.com (or onerate.com). I had received a letter from this company saying that they thanked me for choosing their service and the money would be charged. I have never agreed to use their service. On 12/23, I talked with the customer service by the phone, and a woman promised to return my money, which I have not been getting yet. I called them again, but I could hear only the recording that they would on vacation until 12/30. They might return my money as they promised, of which I am not quite sure. Surprisingly, I found a victim suspecting that the onerate.com has something to do with the thives Freedom Resources. You can view his report by searching for "onerate.com". Since the onerate.com is not returning my money back, I am going to have the ACH transaction reversed.
I'd like to listen to any opinions or suggestions on what I should do, and I wish some of us could do something effective to stop them.
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