Early July, I received a call from this company named Dynamic who promised a $2500 credit card for a charge of $296 and never receive an annual fee ever. The interest rate would be between 4-8% and I would receive my card in two weeks. I thought I asked all the right questions. The guy that spoke with me was soloman and he said his ID number was 3597.
I told him that I did not have the money immediately and he assured me that I could take the card to an ATM and get cash, that I could then deposit into the bank for the fee. He said that I would soon receive a letter of acceptance. As soon as I receive this letter of acceptance I should sign and immediately take this letter to my bank and then return it to them.
After two weeks and not receiving any information in the mail. I decided to call the 800 number that he gave me to check on the status of my credit card. At first the number was busy and then it finally rang. After a number of rings it would disconnect. I continued to call and kept getting disconnected. Finally someone did answer and he asked me to spell my first name before I even told him my reason for calling.in a few second he pretended not to hear me and then hung up. This is when I began to feel as if I were a victim of a scam.
After a number of repeated attempts I again got a human voice. He too asked me my name and continued to ask for information and I stopped him several times and asked him if he had all this information then why should I give it to him again? He said because he needed to verify. He spoke very quickly and I had to ask him to repeat what he was saying a number of times. He apologized and said I was mislead. (Oh really!) He continued to tell me that I would not receive my card until after the fee had been paid. You see my payment wasnt't scheduled until July 18. I made this call on July 14.
I told him the money would not be there and I wanted to cancel. He said he did cancel but I would have to call this other number to get confirmation. He gave me another number 1-800-704-9552. Low and behold I called that number to get a voice message that said the hours were from 9-4. I did a search for that number on the net that brought me to this sight.
Immediately after I read an article here I went immmediately to my bank to stop payment. Hopefully this will do it, but I will let you know. The bank assured me that since I've filled out the stop payment form they should not ever be able to access my account. There is a place on the form that says one time stop payment or permanent. (It didnt cost me any extra for that option)
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