A representative called my cell phone and stated i had been approved for a 500.00 loan and that they were a subsidary company of payday loans. He stated his name was joel. He stated the loan was interest free, and i would also become a member of an on-line catalog that sold a variety of merchandise, electronics, household goods, clothes ect. With a credit limit of 7500.00. He asked if i was interested. I stated possibly but wanted to learn more. He advised me that there was a one time annual member fee of 129.95 that would be deducted from the 500.00 which would be deposited into my checking or savings account within 48 hours.
He put me through to an automated verification system and he was going to put his supervisor on the phone. A supervisor got on the phone stated his name was lloyd and he remained on the line during the verification, (which was odd to me because i have been in cust svc/sales for over 10 years and the rep is suppose to provide you with a 800# to call back w / questions and is not allowed to speak during the verifcation process)
Well during this verification i kept asking questions like, how much is a cancellation fee, i also stated this sounds like it is too good to be true. Then i asked the supervisor his name again and he stated joel.
Well he had told me lloyd. So i advised him and the verification i didnt want this i wanted to visit the website first and the verification person said she was hanging up and the rep lloyd/joel would and any questions. Well when she hung up so my call.
I called back and it was an answering machine. But it was after 5pm. My internet was down so i couldn't check out anything until the next day when i got to work. Well i also checked my account and it was 164.00 overdrawn. I never gave then my account number they already had it and told it to me.
I never thought this could happen to me. I am usually on top of things and very knowledgeable about cust svc and how things are processed. My advice is never agree to go through a verification process and if a company is offering something, ask for a web site address, mailing address, and phone number and tell them you will call them back then go to google and let google work its magic.
So now i have to dispute this with my bank, change my account numbers and i already had other debits going out. Be smart and be aware!
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