September 15
I received a telephone call from a young lady who offered me a credit card of my choice. I already had several credit cards that were maxed out, but i just wanted one more. Problem number one = me. I wanted to have more credit cards... But that puts me into debt even more. Bad idea on my part.
When I picked up the phone I heard that young lady laughing, she was talking to a guy in the background. I was very offended and thought that it was unusual for a spokewoman to laugh on the phone. But I thought back when I used to work in an office and laughed before - perhaps from a joke from a co-worker. So I didnt think anything of it. Looking back, that girl was laughing because she is a fraudster! I would have to admit that she is the worst fraudster I have ever encounterd!
Part of the scam process:
1. She offered me the names "visa" and "mastercard". So I thought it was a real company. She said it would improve my credit, but my credit was already good.
2. She offered me credit line of $2,600. I thought this was amazing! But all I had too do was pay $299 up front (NEVER DO THIS). I later told my dad about this (he is very good with money) and he said "how stupid could you be?" Looking back I was definately stupid. But when new things come around in a persons life such as new friends, new fresh romance, new offers, and new money... You dont really think at first. You just go with the flow...
I was in such a hurry to get my money... That I sort of brainwashed myself in the process.
3. I did not want to do this credit card thing, cause I was not certain about it. But when she said she would transfer me to another gentleman in the "processing and verification department" i felt it was legit.
4. So I did the recording. But its only purpose is to make "them" look real.
5. Checking account number: they wanted my checking account number... I just thought that if I receive my credit card of $2,600 within 7-10 days at most, I could use that card which was promised with a cash advance of $500. I would then Withdraw the 500 dollars and put 300 into my checking just in time the night before the withdraw was to happen.
But luckily I got frustrated when the card never came. I looked up the name on the internet, came to this valuable website, found out it was a scam!!! 100% prime scam
Here is my advice for all of you who read this:
1. First get professional advice (free of course) from the government, federal trade commision, your state justice system, ect. They can provide you with information, common facts about scammers, and much more.
2. (my advice) Never, ever give out your checking account number. For example, if you see a late night infomercial about cooking products for instance, you will see in their program that you can provide them with your checking account number.
The product looks so easy and fun to have. The people look very friendly. But I have already heard several people say that they ordered a food product that they pay with their checking account number from their check and in just 3 payments its finished. But that is not always the case. Some people will continue to take out more monthly payments. The funny thing about those "3 easy payments" is that they can scam you 100 % by taking out 3 payments within 1 hour!!!
3. Never give out your checking account number on internet, phone, cell phone, or in person.
4. If there is a website of a company it has got to have a telephone number! Think about it: if this company has the money to pay for internet, pay for its production and labor, it can afford to have a phone number listed on the web. Example: I visited a government grant site last night (March 10) that offered a fax number and email. They used the ending. Gov
to make it look like the government, when in fact it was not the government!!!
5. Similar companies will also use (instead of a telephone number) a link for "common questions people ask about this product". Well they do this in hopes of preventing you from calling them to ask about a product that you never received.
6. If there is a website with just a fax number and email address - THINK ABOUT IT!!! Think about this... They are both unreliable, and I repeat unreliable means of communication (I am a communications major by the way). If you try to contact them by fax, they can say that they never received it and if you emailed them, they will say the same thing. Its their way of AVOIDING you. And why would a company try to AVOID a person who just has a simple question about a product they purchased recently with them. I know why = because they are scammers and fraudsters.
7. Shipping takes forever, like 3-4 weeks = possible scam
Alot of Scammers dont seem to scam the person right away... Here is the process:
-buyer is told that shipping can take 10-30 days. So the buyer will:
-wait 2 weeks
-get curious and frustrated
-call them and the company may say "its on its way"
-buyer feels frustrated but feels the issue is resolved
-feels he will receive the product a few days before the end of
the month for example
-30 days comes by and no product
-THE COMPANY (located in the basement of a friends house = unstable and unreliable location) will move out of state, change their company name, change their phone number. But they have just scammed 300 people via their special "old time" telephones. 300 people x $150 = $45,000.
-the government, police, and authorities cannot catch them because they are always on the run. If they stay some place it will be for 2 weeks or 1 month, or 3 months or so and off they go.
Heres a joke: What do Mount Everest of Oregon and this fake Everest company have in common: At first they seem calm and nice, but when something terrible happens they blow up (yell) in your face.
Jerry
Jerry
Salem, Oregon
U.S.A.
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