Lionel called and told me he was FIRST APPROVAL BENEFITS and that I had been approved for a MasterCard and/or a Visa card in my name with an interest rate fewer than 6.0% good till 2010.
I asked who the provider was, he said my bank was. I asked which bank and he said which ever you choose. I said Wells Fargo. Lionel also stated that since they are apart of the credit bureau, they are connected to over 500 banks that offer people cards, who have been turned down or have bad credit, therefore they could provide a MasterCard credit card to me in the hopes of rebuilding my credit. Along with this arrangement a Premier Service for MasterCard with a credit limit of $4,000.00, was included.
Lionel then proceeded to ask me for my banks routing #, checking account #, and check #. He would then begin to debit my account by First Approval Benefits on 07/01/03. I gave him my drivers license # and full name again, and bank account information for the second time. Then he had to make sure no one was being fraudulent with my information, so he placed me on hold and someone else came on the line to verify the information. He said this call is monitored and that I was to answer yes or no to the questions he was going to ask me, I said okay.
We verified that I was to receive 2 separate MasterCards by my bank Wells Fargo, a Regular $2,000.00 MasterCard credit card and a second Gold Premium Master Card credit card with a $4,000.00 credit limit. I would receive both cards within 15 days after they charge the introductory fee of $299.00.
I did not receive the cards in 15-days; in fact I did not receive the cards in 25 days. It took one month and finally a package came. It was filled with nothing but useless junk on how to repair my credit. I was HUMULIATED AND DISGUSTED.
I left fourteen messages with First Approval Benefits; I did a search and found numerous reports against the company. I refuse to have my bank account charged for $299.99. I am trying to fix the problem using the wonderful help usacomplaints.com.Com has provided. Wish me luck — for this can not happen again.
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