This completely just blows my mind...
I got an email on October 21 in regards to getting approval for a new credit card. The offer sounded good so I went to the link in the email and filled in all my personal information required. I received the following e - mail the same day,
"Congratulations on applying for your Impact Visa* Card!
Your order confirmation number is 6420xxx. Please retain this number for your records and include it with any correspondence to Impact Card.
Thank you for your application. We now have all the necessary information to process your application.
Once your Application has been accepted and approved, you will receive your Impact Card within 4-6 Weeks.
Mailing & Billing Information:
Tabitha Walker
xxxx
xxxx
Indianapolis, IN 46222
Your card will be mailed to the address submitted. We check all submissions to verify I.D. Numbers and to make sure that the zip code matches the city you specify. Make sure the zip code and all other information is correct or you may experience a delay, or you may not receive your card at all. You will receive your pin within 3 working days of receiving your card. Your card and PIN are mailed separately for security purposes.
We look forward to serving you and welcome your business!
Site URL:
If there is a problem, please email [email protected] or call us toll FREE: 1-866-630-3757
Sincerely
Impact Card Staff
www.icardservices.com
* Visa is a registered trademark of Visa corporation"
So much time had passed I just assumed I was declined then eventually forgot all about it.
On May 26 I decide to close my checking account. The bank associate tells me I can't close my account until all pending items have posted. HUH?! Everything should have cleared by now - what's pending? She tells me, "an ACH debit of $29.95".
I have never looked at my bank statements— Why? I knew what I purchased. But with this charge being an "agreement" I thought I'd look.
4/25/05 another ACH debit of $29.95 to a "Credit BLD", and every month before until 10/22/04- this was their first debit of $169.00. I FREAKED! I called them to see what the company was..."We send you a prepaid visa card and report your info to the credit bureau." WHAT?!
I asked for the $378.65 (not counting overdraft fees) I've paid to them to be refunded. She tells me No but she can send another card. Per my request, I was transfered to a manager who just decided to hang up on me without even talking to me first. I've been on the web researching since.
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