Apparently, May 30 was the day for USA Credit to fill its robbery quota. I was hit 149.95 for a credit card that I never asked for. I went to the BBB's website and pulled up their information. If you need a contact number, there are plenty of them here. This is what I found on USA Credit:
BBB of Western Pennsylvania, Inc.
300 Sixth Avenue
Suite 100-UL
Pittsburgh, PA 15222-2511
(412) 456-2700
COMMONWEALTH MARKETING GROUP
One Millenium Dr
Uniontown, PA 15401
View Location Map
Original Business
Start Date:
2/1/1992
Principal: Kimberly Coddington, Vp of Operations
Local Phone Number: (724) 437-3707
Fax Number: (724) 430-2166
Membership Status: This company is not a member.
TOB Classification: Credit Cards & Plans
The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.
Nature of Business
USA Credit promotes the use of a credit card via the internet.By advertising on various high traffic web sites and email, consumers are linked to the company web site to apply for the credit card. The credit card is good only for merchandise purchased from the companys web site. The USA Credit Card is not affiliated with the nationally recognized credit cards.
Customer Experience
The company has an unsatisfactory record with the Better Business Bureau due to a failure to eliminate the basic cause of customer complaint. The company has responded to customer complaints processed by the BBB usually by offering a refund and an explanation of its position. Customer complaints deal with USA Credit using a check draft to withdraw funds from the credit applicants checking account to cover charges connected with the membership application. The customer contends they are unaware of monies to be taken from their checking account. USA Credit replies advising the applicant has agreed to this withdrawal by providing the routing numbers for their checking account. USA Credit offers an unconditional 30 day cancellation and refund policy.
When evaluating complaint information, please consider the company's size and volume of business. The number of complaints filed against the company may not be as important as the type of complaints and how the company handled them.
The Bureau processed a total of 308 complaints about this company in the last 36 months, our standard reporting period. Of the total 308 complaints in the last 36 months, 88 of those were closed in the last 12 months.
Complaints Concerned
Advertising Issues: 37
Outcome of all complaints -
Resolved: 34; |[Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB.]| |[Company resolved the complaint issues. The consumer failed to acknowledged acceptance to the BBB.]| |[Company offered a partial (less than 100%) settlement which the consumer failed to acknowledge acceptance to the BBB.]| Administratively Closed: 3; |[BBB determined that despite the company's good faith effort to address complaint issues, the consumer remained dissatisfied.
]| |[The parties could not provide sufficient information to
support their positions nor were they agreeable to make
reasonable efforts toward resolving the issues of the dispute.]|
Sales Practice Issues: 40
Outcome of all complaints -
Resolved: 38; |[Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB.]| |[Company resolved the complaint issues. The consumer failed to acknowledged acceptance to the BBB.]| Administratively Closed: 2; |[BBB determined that despite the company's good faith effort to address complaint issues, the consumer remained dissatisfied.
]|
Delivery Issues: 4
Outcome of all complaints -
Resolved: 4; |[Company resolved the complaint issues.
The consumer acknowledged acceptance to the BBB.]| |[Company
resolved the complaint issues. The consumer failed to acknowledged acceptance to the BBB.]|
Service Issues: 29
Outcome of all complaints -
Resolved: 25; |[Company resolved the complaint issues. The consumer failed to acknowledged acceptance to the BBB.]| Administratively Closed: 4; |[BBB determined that despite the company's good faith effort to address complaint issues, the consumer remained dissatisfied.
]|
Customer Service Issues: 1
Outcome of the complaint -
Administratively Closed: 1; |[BBB determined that despite the company's good faith effort to address complaint issues, the consumer remained dissatisfied.
]|
Guarantees or Warranty Issues: 2
Outcome of all complaints -
Resolved: 2
Refund or Exchange Issues: 52
Outcome of all complaints -
Resolved: 50; |[Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB.]| |[Company resolved the complaint issues. The consumer failed to acknowledged acceptance to the BBB.]| Administratively Closed: 2; |[BBB determined that despite the company's good faith effort to address complaint issues, the consumer remained dissatisfied.
]|
Contract Issues: 11
Outcome of all complaints -
Resolved: 11; |[Company resolved the complaint issues.
The consumer failed to acknowledged acceptance to the BBB.]|
Billing or Collection Issues: 132
Outcome of all complaints -
Resolved: 119; |[Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB.]| |[Company offered a partial (less than 100%) settlement which the consumer accepted.]| |[Company resolved the complaint issues. The consumer failed to acknowledged acceptance to the BBB.]| Administratively Closed: 13; |[BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.]| |[BBB determined that despite the company's good faith effort to address complaint issues, the consumer remained dissatisfied.
]| |[The parties could not provide sufficient information to
support their positions nor were they agreeable to make
reasonable efforts toward resolving the issues of the dispute.]|
Additional tradenames, addresses and telephone numbers
Cruise Marketing Group
Commonwealth Marketing Gr One Millennium Dr (724) 437-3707
Uniontown, PA 15401
(724) 439-5080
(724) 439-5083
(724) 439-5390
(800) 929-0979
(800) 795-8747
(724) 439-5089
(800) 262-4192
(800) 862-4992
(800) 594-3993
(800) 634-6720
(800) 634-6729
(800) 576-2965
(800) 594-3393
CMG Inc
Gleaming White
Great Escape Vacations
Reservation Center The
U S A Shopping Club
USA Credit
USA Emergancy Roadside Assicatance Plan, A
USA Platinum
This is not necessarily a complete list.
Educational/General Comments
Many guaranteed credit card offers are made by third parties. They may not actually issue credit, but they will charge you a fee just to get you an application. You may also need to deposit money in an out-of-state bank before getting your credit card.
This money will serve as a credit limit or collateral for your account. Cards that require you to keep money on deposit are generally known as secured cards. Other companies offering guaranteed credit cards may send you a credit card which can be used only to make purchases from the company's own merchandise catalog, rather than the Visa or MasterCard you may have expected.
Be wary about paying a fee before you apply for credit, especially if the promoter isn't the actual credit grantor. The promoter will be happy to take your money but, if they aren't the creditor, they cannot guarantee you'll get credit.
The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.
BBB reports may not be reproduced for sales or promotional purposes.
Report as of: 5/31
Copyright: 2007 BBB of Western Pennsylvania, Inc.
As a matter of policy, the Better Business Bureau does not endorse any product, service, or company. BBB reports generally cover a three-year reporting period, and are provided solely to assist you in exercising your own best judgment.information contained in this report is believed reliable but not guaranteed as to accuracy. Reports are subject to change at any time.
The Better Business Bureau reports on members and non-members. Membership in the BBB is voluntary, and members must meet and maintain BBB standards. If a company is a member of the BBB, it is stated in this report.
Damion
Fort Smith, Arkansas
U.S.A.
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