I was scammed by this company. They drafted 150.00 out of my savings account. I did not sign a consent form, or agree to anything. I went to the ATM the day my paycheck was deposited, and I was 150.00 short. I went home and called my bank, and they said that this "USA Credit" had drafted the money out. They had also tried to get it out twice before.
Since there wasn't enough in there to cover it the bank charged me two 30.00 NSF fees, in addition to the 150.00 USA Credit took out. This caused me to be behind in my regular bills, and I did not have enough money to get my blood pressure medication. I was very upset. I called the phone number that was on the website at usashoppingclub.com. It was disconnected.
My bank gave me another number that was working. I was put on hold for 45 minutes. When I finallly got through to someone they told me that I could not get a refund. Then they offered me a free vacation, and a 25.00 gift certificate to their online "store." I said that I just wanted my money back. They transferred me, and I was put on hold for another 25 minutes.
When I got through this time, they said I could only get back part of the money, because they charge a 35.00 application fee that is non refundable. So I would only get back 115.00. Then they said that it would take 10 days to get my money back. They also said that they would put a charge off on my credit. Finally, after much bickering, I got all my money back. I still do not know how this will affect my credit.
DO NOT let yourself be scammed. NEVER give out social security numbers or bank account info to ANYONE, unless you are 0 sure that it is a legitimate company, backed by the BBB or the FDIC. Otherwise you leave yourself open to losing money, and your good name. The working number for USA Credit is: 800-685-9354. Maybe this will help someone not have to go through what I went through.
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