I recieved an offer by phone from CFB for a credit card 0%interest rate and $2500 credit limit. Because I had so many questions, the rep. Told me that she would just send out a packet containing all the information I had questions about. She said I would have 7 days after reciveing the packet to look over the information and make a decision. However there would be a S/H charge @$29.95 which would be deducted from my checking acct. She aslo explained that a membership fee of $99.95 and processing fee of $59.95 would be charged to the credit card, not my checking acct. If I agree to the terms and conditions.
A few weeks went by yet I never recieved any correspondence from this company. When I called to inquire about money missing from my acct. I was told that CFB shows my packet being delivered on 8/8/02. My trial period was over. I explained that I had not recieved anything nor had I agreed to accept the terms and concitions of this offer and that they were never authorized to take any more than a one time fee for S/H $29.95 from my checking acct. Also due to this conversation, I did not want to do business with them. Do not send anything out, just refund the money you took from my checking account UNAUTHORIZED.
Then I was told that only $99.95 was refundable. They would get the refund process started for $99.95 but I would have to contact the corporate office only by mail, to dispute the other charges. Corporate office has never responded. I have sent numerous letters including by certified mail. The certified copy was refused and sent back to me stating that CFB moved and left no forwarding address. Still today almost a year later I have gotten no reply.
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