They got me too... The bastards...!!! BABC called me on April 10th or 11th... And this is how it goes... I was initially contacted via the telephone, with an offer for a "credit card", and which I was told had a $2000.00 credit limit. The only stipulation outlined, was that there would be a one time charge of 184.90 (application fee) and I'd have to pay a $10.00 a month service charge, with 0% finance charges. I was told it would be delivered via UPS, and that I'd have to give an ID# in order to recieve it, it was delivered by the US Postal Service, and I was only required to sign for it. During the original phone conversation, I spoke with an Andrea Brown and she explained the card as a regular MasterCard credit card. Every indication was that this was a regular unsecured credit card. I was never told that it was a pre-paid / debit-type card, even after I specifically asked if it was a regular credit card. Before the recorded portion of the conversation, she informed me that the recording was "very old and difficult to hear" and then proceeded to talk over it. It wasn't until I actually received the package in the mail, and called to inquire why I'd been misinformed, that I was allowed to listen to the pre-recorded message, and much to my suprise the recording was much clearer then the original one played during the first phone contact, and it briefly stated it was a pre-pard/debit type card. I was told by Brandon (employee ID#9764, (who refused to give his last name) that a formal letter of dispute would resolve this issue. So I'm writting the letter of dispute, and I am closing my checking... in my searching online for info on this "company" better to call them thieves... I cam acrossed a messaged posted on a BB, by a person calling them selves Mr. Smith, a former employee. Here is his responce to my email... No joke, but I met with the FBI yesterday to give testimony against BABC. These are bad people doing bad things to good people. Close your bank account. They have all of your information and they will debit you for two other companies which surprisingly are owned by them. E-Phone and Home Protection, another $50 and $100 charge. It won't stop unless you disable there ability to take money out. Telling your bank to not allow it doesn't work, they find ways around that. Close your account. Filing a complaint with the BBB is a good thing, but be aware that they are going to take there sweet ass time getting you a refund form, about a month, then a month will pass for them to respond to it once you send it back. They won't authorize any money being sent back to you until at least 60 days from when the process starts, this is company policy. That way, even ifthey have to pay it back, it's been sitting in a money market account gaining interest for them for almost 3 months. It won't stop and you won't get the card because the card, while it does exist, is not what you wantedwhen you paid originally. It is called a "Chek" card and you have to put money onto it before you can use it. It has no credit line, but a credit limit. Once again, you have to give BABC permission, again, to take moneyfrom your bank account and place it on the card. It's useless, the software that comes with the package can be obtained online for free, and the trips are timeshare crap... My advice and the only thing you can do, wait forthem to get your BBB complaint, get a refund form and wait, but in the meantime, close your bank account... Chances are if you haven't been scammed yet, you will soon. Close your bank account. I know this sounds drastic but these people now have permission to debit your account, not just for the $184.90 but also for companies called E-Phone and Home Protection. They will sell your bank info to others and start charging you a membership fee. Your best bet is to just close your account and open up a new one.in your case, you only have to close the account that you gave them, the others should be fine. Report them to the BBB online at http://www.clearwater. BBB.org. Don't take these people lightly, they are crooks... Check out this web site of a person I have been in contact with for contact info and a good idea of what you are in for: http://www.cville.com/members/ridenour/babc.htm and then Good luck and feel free to email withany questions. Mr. SmithI truly hope this helps to prevent others from being ripped off..!! Good Luck to all...!! Shanna WargoShannaGarner, North Carolina
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