Warning!!! The number listed on the back of the card and the approval letter is automated only!!! They con you into thinking that you will eventual talk to someone once you enter all the info to get someone on the line - your card is activated-they mysteriously know your checking account number and you're debited $198 if not cancelled within 8 days-however, no one ever comes to the line - it does no good to call and cancel.
You're screwed either way.
I received an envelope in the mail today (08/29/05) with my husbands name on it that said "Enclosed is your new credit card waiting for your activation"-clearly telling anyone that has access to the envelope what's in it. I opened it because I know that my husband nor me fill out credit card applications. We DID NOT request this card. Had we requested a credit card we would've been expecting to get it in the mail. Because we has no clue these scam artists had/have our personal info and was sending a credit card to anyone that had the opportunity to access our mail in my husband's name. This scares me!!!
I opened the envelope and indeed there was a card that had my husband's name on it. The approval letter had a bunch a jibber jabber bull scam artist language all over it. Puzzeled at how they got our info., I called the number on the letter and back of the card. There is NO option to talk to a live person. They give you an option to "Agree and activate" or "disconnect the call". Since activating as the only way to get through. I pressed that option. It said the call would be monitored-don't know what they would monitor since no live person EVER came to the phone. It made me put all the account info in and then it requested an electronic signature code from the back of the approval letter before a live agent could come to the phone. I entered it thinking yet again I'd get someone on the line. They automated service said they were closed at 5 pm. Granted it was 5 pm CST it was only about 3 pm in Las Vegas! CLEARLY A RIP OFF!
I found this sight and have found now that we are not the only people being screwed out of money. The Terms and Conditions from CCA state that if we don't cancel by calling the 800 # on the back of the card, that our checking account will be debited for $198. I have never given these people my checking account number - How in the heck can they debit it and where did they get our personal info. From? I work for a legal dept. At my bank and this doesn't seem legit! I don't know that they can legally do this. I am taking this to our General Counsel for advise on how to handle it. Maybe we can put these corrupt theives behind bars!!!
I am also contacting my Stating banking Office and the Fed's to make formal complaints. If we all complain, something must be done!!
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