I spoke with Fred GoreId #100267 on the evening of Sept. 28th 05. He said he was responding to an internet inquiry regarding my request for credit.
We began talking about having bad credit and I explained yes, I am trying to restablish my credit. I had been through a bankruptcy and now in the process of a divorce. How I just started a new job, and working on a new life.
He assured me he could help me. He offered me a credit card for $5000. I immediately questioned how could that be? We want to help you, that is what we do.
We give you a card you can start using immediately with very low interest and all kinds of coupons for travel and goods.By using this card and making timely payments, it would be rewarded with more credit.
I was very skeptical, and he assured me that he had been in my same position recently and it helped him out of the hole. What do you want I asked.
For a one time fee of $349 we will send you the card, you will have to sign for it, and you can start building your credit immediately.
Whoa, I said. That is a lot of money. I only have $249 and I am saving up for car insurance. You can pay that with your new credit card he said.
Well, I don't have the money right now. That's ok he said, we can debit your account on the date you chose. Still after much hesitation, he kept assuring me, and I agreed to have it taken out in 2 weeks.
He put me through to Johnny at CCR. He took my info and verified the debit on the 14th and gave me a reference #163989 and said I would recieve the card in 3-5 days.
Two days later I called on my bank account to check my balance over a $20 discrepancy. That is when the bank told me that I had a debit from CCR for $349 on Sept. 30th.
How can that be I asked. I did not authorize this until Oct. 14th, and why did they paid it when clearly there wasn't enough money to cover it. Well, you gave them the info they said. Yes, but under the terms I stated. It is not our problem they said.
I immediately tried to resolve the issue with PC One. I went back an forth numerous times, spending an entire day talking with my bank and the criminals. PC ONE told me they had to wait until the voice recording was reviewed to verify the early debit from my account.
I could not stop payment, so I asked to file a dispute. The bank said they could not do that because I gave PC One my information.
My bank called the PC One Company, and faxed them the so called "required information". PC One said that was not good enough, they wanted an actual bank statement showing the debit
My bank called me back and said you need to report these people to Credit Card Fraud. My bank directed me to the Chase Credit Card Fraud number.
We made a 3 way call to the PC One Company and we were told that my voice recording had been reviewed and I was indeed debited on the wrong day, and my money would be returned to me.
I told my bank I wanted to close my account. They said I could not until I paid the balance back to 0 for the money they paid CCR. I didn't have any money they gave it away!
My bank said they would cease any account activity until the cash was returned because they didn't want to close the account and not have a place for the refund to go.
After about a week, I called PC One club again. They said that I had to wait for the package to arrive and send it back to request a refund. I explained that I (we) were told I was entitled to the refund last week.
I still have not received the "Package" and from the research I have done thus far, I will not be getting a card. I will be getting a useless packet with applications for credit cards and how to rebuild my credit.
I have read numerous complaints against the same company, with the same story here at usacomplaints.com I intend to go into Bank One tomorrow and show them this proof, and demand the "Federal Regulation E Form"
I will see where that gets me, and in the interim, I will file a report at NFIC as well. If there is anything else I can do please let me know.
Thank you.
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