To start off, this was a part time business. It did not generate much income. It was in home parties. I needed to accept credit cards, so I called this company over the phone.
They accepted my credit over the phone and sent me a terminal. I was never told about any specific amount of time I had to remain with the company, nor did I signed anything. I was never sent any information about the company or any charges for the future. This was the first time I had ever used a terminal. I wasn't even sure exactly how to use it. I had to call to get directions.
After about 4-6 months, I changed the name of the company and the bank on the phone. I was charged $150 the next couple of days through my banking account. I had several bounced checks due to this and was very upset. I asked them why they didn't explain this to me while I was on the phone with them and why I was being charged.
I told them I did not use the terminal that much to even need to pay this when I didn't know there were charges in the first place. I was also upset. Then they told me I should be very aware of the charges because I signed the contract. I was like, what? What contract? I had no clue of such a thing! They said, yes, we have your signature right here.
I told them to send me this signature and that I want to end this right now. I told them I was not going to be with a company who charges me charges I am not aware of, then tells me they have a signature I know dang well, I didn't sign!
They sent it and it was for certain, not my signature. Well, then the next thing I know, I am getting billed for $295 for termination charges, which I had no clue about either! I was so shocked a company had such control over a person! So, I felt they got enough money out of me and I honestly didn't know about the charges, nor the contract the say I signed, so I am absolutely not going to pay something I know I am correct in!
So, now I keep getting billed and I keep going around about with this company. I tell them they need to do an internal investigation because it was not my signature and they say that I was turning transactions... They took it as I was trying to get out of this like I didn't exist all together. Which wasn't the case. Simply, I am trying to say, you charge me with all these hidden charges I knew nothing about and it is not fair to me. Then you say I signed something I clearly didn't sign.
I sent them numerous signatures, showing it was not my signature. Still, they pretend, I am trying to say I was NON-existant. I think they are a bunch of idiots! After trying to call this company and get the story straight, they would not return my phone calls. I told the situation over and over to many other people and nothing ever was done about it.
Then it gets to the point of being turned over to a credit collection company which is obviously not any brighter. This company is Consolidated Recovery out of California. They sent me a letter via snail mail, stating if they don't receive a written letter in x amount of days explaining why I felt I did not owe this company, then they would file this to my credit.
I wrote an email to them, just like now and explained it all. I heard nothing. About two weeks goes by, I get another letter in the mailbox. I open it, I was reported to the credit agency. Wow, what a nice thing to happen! So, furious, I call this Consolidated Recovery and try to talk to someone. Someone answers the phone.
Telling I'm upset, he says, are you not having a good day today? I said no, after having to deal with this company, I have had many bad days, because no one seems to be able to LISTEN!
I asked him why no one has contacted me back and if they received my email? He said yes, they received my email 2 weeks ago and that he tried to call me back, but got an answering machine. I said why didn't you leave a message? He said, you have caller ID! I said what? He said, I had to dial, star 82, or something like that, to get through to you, so you have caller ID.
I said so what does that have to do with anything? I said you should have left a message! You reported my credit without listening to me or asking me any questions when you knew there was a situation!
So, needless to say, this is where it is at. I am still at a loss. My credit is affected, but I am not in the wrong here, I never received any information about charges, never singed anything and never had a clue all of this would come from a simple phone call to try to make some side money! I would advice WAY AGAINST THIS COMPANY!!!
Amber
Trinity, North Carolina
U.S.A.
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