They called and offered me a credit card with a guaranteed low interest rate of 3% for ever, the catch was they wanted $221.95. I rejected the offer at the time but asked for the number should I changed my mind, at a later date. They said fine but would need my banking information to secure the low rate. I gave them my bank name and but no account number and hung up.
Two weeks later they called me back to confirm my account number. I had never given them my number and asked how they got it. The guy said it was in my file. That freaked me and said I was not interested and did not authorize them send me a credit card.
One week later they had drawn a check from my account and I had no card. I called the bank and started a fraud claim against them. I was fortunate that my banking institution later creidted my account. I was fortunate and know that many others did not have the same luck.
My advise is... Call your bank and start there.
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