For reasons people in need of cash know... My wife, then I, were searching for quick cash loans on the internet and came across this company' ad. The ad basically was offering $1500 cash, $7500 in credit and some kind of prepaid Mastercard.
We were interested in the cash and figured we would not use the others. We each proceeded to fill out applications until we got to the part where the company mentions it will cost $149.95 to set this up. We both opted out of the application at that point {closed the pages with the application} and went on our merry search way.
Today we both received our "Welcome" to the USA Credit family packages!!! I called the telephone number in the letter to inquire what gives. Waited 15 to 20 minutes for "the next available agent" to answer.
First, they read back my information they would only have received from me (obviously from the application we thought was deleted and NEVER SUBMITTED) to verify I am who I am (and to set up the defense "How else would we have gotten this information" and "don't you remember?" and "We proceeded on your instructions to enroll you").
After informing them FIRMLY I never submitted application, why and what I did, they said they would refund all but $35 of the $149.95!! I incredulously asked "You have my money!?", they answered yes, gave date, I checked, and sure enough they had ACH our account for 2 ea $149.95 debit (mine and wife). I said both ACH must be returned since they were obviously wrong about our [not submitted] applications.
They said NO, insinuated I must be an idiot for asking such a thing. I said this is fraud, illegal, and would fall under the RICO statutes. Their attitude was: Go ahead and try to get anyone, any agency, any authority, any governing body, to do anything about this, my contention and requested mitigation. I lost it and said: "XDFATSsakjagds? &$%#qwyTYTtttuydsg"., I want my F*^%$@#G money returned NOW.
These people have b* I would like to crush, attitudes I'd like to degrade, and spiritual essences akin to Radical Islamic Murderers [we all are too familiar with]!!!
Obviously they can make handsome profits on the $35 and interest on the 149.95. I plan on going to my bank to get these reversed. Wish me luck.
Oh, by the way, rumor has it that there are people out there who hold grudges FOREVER, and DO seek rather unorthodox RESTITUTION from companies and employees not unlike this USA CREDIT company. Gee, I hope to read about such goings on in the near future.
Thank you for being a forum to VENT and share the indignity of being KICKED when down by those financial TERRORISTs.
Grahame
Ayer, Massachusetts
U.S.A.
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