I received a call from a female employee of Imperial Benefits in January. I was told that I had been approved for a $3000. Master Card based on my income and improving credit history. I was told that I had to be at least 18 and have a valid checking account. I was told that all I had to do was pay a Introductory fee of $279.
I advised the representative that I did not have the money because my father had recently passed away and I was in the process of taking over his house payments. I advised the rep. That i would have the money on the 28th of January which was my next payday.
I was told that she could only give me until the 19th and that I could call customer service and extend that date to the 28th. She advised me that she would have to verify my info. And we did. Then I was told that her supervisor would call me back to verify the info that she took.
I received a call about ten minutes later from a man named Mark we verified the info. That she had taken and I was told to hold for a confirmation number. The phone hung up and I never received that number. Nor was I given the custmer service number as promised.
On the 20th of January my account was debited and the money was not available. I was charged an NSF Fee. I got the telephone number for Imperial Benefits from my bank and called to inquire about the status of my card. I was told that the card had been processed, but was being held until payment was received. Again I advised that it would be available on the 28th.
On the 30th of January my account was debited and I called and spoke to Jessie and was told that my card was on the way. I was told that they only mailed out cards on Friday which did not sound off to me because I work in accounting and we only mail checks on Friday. I was told that it would be mailed on the 6th of February.
I know that packages from the east coast can take 3-4 days to reach the west coast and actually be delivered. When i didn't receive my card by Friday the 13th I became concerns and called to check the status. I was told by Jessie that the production dept. Was backed up and it was not mailed yet.
On 2/17/04 I became concerned that something was not right and i asked to speak to a supervisor. I was placed on hold for 24 minutes and when I did speak to someone it was a man who refused to give his name and appeared to have tourettes syndrome because he kept shouting obsenities into the telephone. After about 10 minutes of this I had enough and asked for a supervisor to process a refund. That man hung up the phone and i was not able to reach anyone else that day. I have tried to call several times today and have not been able to reach anyone after staying on hold for nearly 40 minutes.
I searched the net for contact info. So that I could reach an owner or director and found these usacomplaints.com and my heart dropped. I am a single mother of a disabled child and i don't have money to through away. Additionally my father passed away recently and I have to carry that expense as well. I want to let everyone know that while you are scamming people to make a fast dollar you are destroying families. I gave you the cash that I needed for my sons' medication because I thought I would be able to charge it to the card.
I wonder how you are able to rest at night knowing what you are doing to unknowing people. For this reason I have contacted an attorney and it is my mission to open a class action law suit, so that everyone that you have screwed over will be able to ream you for what they spent plus damages.
I asked for a refund on 2/17/04 now let see if I get it.
Charlana
Palmdale, California
U.S.A.
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