May 13 I inquired about balance transfer 'deals' available.
The rep said she would send a check made payable to me for $15,000 and the rate would be 5.99% annual, just as though it were a balance transfer, IF I CASHED THE CHECK by June 28.
16 days later I got the check in the mail. I never cashed it. They disbursed no funds. My balance should have been $0.00. But when I checked online they had charged the amounts, above, including a $25 'late fee' as though they had disbursed on May 13.
It took an English speaking supervisor to clear me back to $0.00 balance. She was fully aware and experienced in 'fixing' their unmasked trickery.
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