I received my card in the mail a couple of months ago and after some thought I decided to call and try to activate the card, the letter said that my limit was 6,500 and that I could get cash on demand and the whole nine yards. Well, I called and they said I was approved for 8,500 and that I would receive all the benefits stated in the letter. I said yes to this and at the time thought that I would be able to afford the 199.99 to be taken out of my account on the 28th of this month.
I called them 2 days before the transaction and tried to get them to stop it from going through but they insist that they cannot stop it and if I would have called them the day before they would have been able to work with me on a lower payment and maybe even cancel the whole thing.
They kept telling me that since I accepted the terms and agreement I was so bound by them. I then related to them that I was told by the young lady who took all the info that I could cancel and she did not tell me that if I did, It had to be three days in advance of the ACH transaction.
I proceeded to call my bank and put a stop payment on the check number I gave them. What I need to know is, is there another name that they use when they pull the money from the account when and if they do not use the check number that is given them?
I need help with this in a really short amount of time I know, but any assistance you could give me would be appreciated. The sooner I can call the bank back with updated info will help a great deal in this matter.
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