I fell victim to this company because of my desire to improve my credit rating due to my past credit mistakes.
I was contacted by a woman who "represented" Bank One and was told that by paying a fee of $296.00, I would receive a Visa card with a $2,500.00 limit and a 9% interest rate for the lifetime of the card.
When asked why there was such a large fee associated with it, I was told it was for processing fees and their assistance in repairing my credit.
It was also stated that with their assistance and my timely payments, their "program" hoped to help you rebuild your credit enough for major credit purchases such as the purchase of a home or car.
I thought I was being very smart about it, told them I would need some time to think about it and asked for a phone number and for them to call me at a later time for my answer. After the caller hung up, I called the number and did get their answering machine but unfortunately when I looked them up on the internet I did not find this sight so I thought they were legitimate and accepted their "offer" when they called back.
Yesterday marked three weeks from the time the money was taken from my account and when I called to find out why my credit card had not arrived, I found the numbers disconnected. I immediately thought "scam" and luckily this time I found this website and confirmed my fears.
I contacted my bank at about 2:30 yesterday afternoon and after explaining to them what had happened and that I had authorized the withdrawl but found out it was a scam, and although it had been almost a month, they allowed me to put a stop payment on it and I had the funds returned to my account before 5:00 P.M.
I know I am very fortunate to have my money back and that several people are not as lucky. I think it is a real pity that people prey on those of us who have had problems in the past and want to correct it now. I hope that whomever is behind this is found and prosecuted and I would love to be there to watch.
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