Around two to three months ago I received a call in the evening from Gigi, who worked for Prime One Benefits. This was a very long, drawn out conversations which lasted
probably well over a forty-five minutes. I asked MANY questions and was extremely
hesitant to relinguish my 187 hard earned dollars, but the PROMISE of a $1000.00
credit line was very clear.
During my conversation with Gigi - I was told that even though I had just recently gone through bankruptcy and had very poor credit that I would be given a $1000.00 line of credit - that's why the one time fee of $187.00 was so high!
After relinguishing my checking account information and agreeing to the withdrawl of the $187.00, Luke was put on the phone to confirm the transaction. I was once again
told that the $187.00 one time fee was a promise for a $1000.00 line of credit - I had him repeat this clearly to me more than once. No annual fees / no interest if the account was paid on time / 9.8% interest. I was also given a confirmation number for
this all important transaction, which I still have filed with the ridiculous brochure
Prime One Benefits sent me.
I was never told I would be receiving a brochure in which I would have to apply for this line of credit. To date I have gotten absolutely no benefits from this brochure filled with coupons to Prevention, Mrs. Fields, Carvel, American Adventure, etc. They all cost money and I'm bankrupt!
I just got off the phone with Maxine a customer representative who kindly looked up my application status and stated " Your application was received just last week and you should be hearing within about two weeks regarding the line of credit you will be given." I told her I was promised $1000.00 line of credit and would not have agreed to spend $187.00 on anything less, because I can't afford it!
BEWARE - They are FRAUDS!!
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