I was contacted the middle of September. I was waiting for a verification call from a loan company. When I answered the phone I assumed it was them. We all know what assume means. They started asking me to verify my name, address and bank information. Then they said I was accepted for a $5000 dollar Visa card and that my account would be deducted $189.95 plus S&H of $29.95.
That was then I realized that it was not the loan company I was expecting and asked them how they got all of my information. They said they had gotten it from a company affiliated with them that I had recently applied for a card and was turned down. I had been so I was thinking it was legit. I told them I would not have the money for a month or two and they said it was no problem that I could call and change the date or cancel it anytime I wish. The money was to come out of my account on Oct 8th. I started calling the last week of September. I kept getting a recording saying customer service would call me back the following business day and all calls were made after 5PM. I called everyday and still the same recording and never received a call back.
I finally decided I was just going to cancel. I called on the 1st of Oct. Again a recording. I left my name and number and request to cancel and told them do not take money out. I left this message everyday. Finally on Oct. 6th I received a call back. They said it was too late to cancel and it was too late to stop the money from coming out of my account for me to do a stop payment at my bank. I stopped it and it did not go through. I was told if it didn't go through that I would be cancelled out of their system. I thought I was safe but on Oct. 15th I had charges taken out from a company I never even heard from $299.50 and on the 16th a charge for 219.90 from a GoTec. I called GoTec and found out they were the check processors for RX financial.
My bank would not honor the stop payment because of the name change and the fact it was not a ACH but they did it as a paper check even though the check number was waaaaay off. I tried calling and again-answering machine. Oct. 29th I received the package. I immediately called customer service and actually got through. I told them that I did not authorize this and they took the money anyway and that I was going to send it back and they better give me my money back or they'd be talking to my lawyer. He said the refund would take 4-6 weeks. I told him it didn't take that long to illegally take it out of my account and that I was lied to about what I was to get. He said if I would do the CD I would get not one but 6 different cards and if I didn't I could get a refund.
I told him that that's not what the letter said. The letter said that if you use the CD your refund was voided and what about the fact that I was lied to and them taking the money when I cancelled. He said I could get an immediate refund if the tape showed I was lied to and to call back the next day. I did and was told it was not ready to call Mon. I called Mon. And Tues. Still not ready. I returned the package Tues. I called today (Nov. 3rd) and was told that I was not getting my refund because I sent the package back without calling and cancelling. The operator was rude and hung up on me. I immediately called back and asked to speak to the head person.
How convenient, the supervisor, was the one I was supposedly talking to. I told her of the rude person and her hanging up on me. She was just as rude and said that I did not call to cancel that the only thing the notes said was that a tape was pulled. I told her that I did cancel Thurs. And told the person I was sending it back and was told to call back. She still insisted I didn't. I told her the full conversations all four days and that the person didn't do his job. She said she would talk to the two males and see which one I talked to and ask them and to call back tommorrow. I asked her name and she relunctantly said Lee which is probably a lie also. They have to be stopped!
I also found out that they are probably in with the other two companies that took money out of my account. I had to close my account because of this company and the two others and I now owe the bank over $900 if I can't get the money back. I filed fraud papers with the bank but they said it would probably not do any good cause these companies always have recordings saying they were approved. I was in a financial bind to begin with and that is one of the reasons I was so easily coerced into this but all it has done is made things worse. The bank, the post office and the Attorney General can't do anything. Who else is left to help?
Sandra
Taylorville, Illinois
U.S.A.
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