Credit Tips: Credit Card Scam
Posted On: January 1, 2005
Author: Scam Victim
Guest
Posted: Tue Jun 03, 2003 11:12 am
Post subject: Help! I’ve been scammed!
I AM A VICTIM OF CREDIT CARD FRAUD. I COULD NOT FIND ANY OTHER WAY EXCEPT TO WRITE YOU. THERE IS A BANK SHBC (HONG KONG SHANKAY BANK) WITHDRAW $ 298.00 FROM MY BANK FIRST UNION NATIONAL BANK, PHILADELPHIA. AFTER MY SEVERAL INQUIRIES THEY TOLD ME THAT THEY DID IT ON BEHALF OF FIRST CHOICE CREDIT CARD. FIRST CHOICE TOLD ME ON THE PHONE ON 5/13/03 THAT WITHIN SEVEN TO TEN BUSINESS DAYS I WILL RECEIVE AN APPLICATION OF CREDIT CARD AND IF I DECEIDE TO RECEIVE $ 2500/- LIMIT CARD THEN FILL UP THE FORM AND THEM BANK AND I GAVE THEM MY ACCOUNT NUMBER. I WAS TOLD THEY WILL NOT CHARGE ME THEY JUST WANT TO KNOW IF I HAVE A VALID ACCOUNT NUMBER. FIRST CHOICE PHONE: 866 310 0695 ID # 610784676 HSBC PHONE: 716 841 4961 I TRIED TO GET HELP FROM MY BANK AND FROM ABOVE COMPANIES BUT NO BODY IS WILLING TO ADMIT ANYTHING. I WOULD APPRECITE ANY HELP IN THIS MATTER.
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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 488
Location: Midwest
Posted: Tue Jun 03, 2003 3:12 pm
Write your bank and tell them this withdrawal was not authorized by you. Put pressure on them and keep a written record. There may still be time to reverse this charge since the charge isn’t that old. File an online complaint with the following:
Verne
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Author: Tommy the Terrible
Guest
Posted: Tue Jun 17, 2003 1:27 pm
Post subject: Scammed
To I’ve been scammed: Logon to eyeoncredit.com and go to their section on “SCAMS” you will find that you are not alone along with info on how to file a complaint.
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Author: Paulesco
Guest
Posted: Mon Jun 07, 2004 4:56 pm
Post subject: First choice scam
Hi, I am an attorney in Alabama, and I am investigating a claim for fraud against First Choice and other credit card “companies”. I would like to talk to you about your claim against First Choice. I would like tp file a lawsuit against them. I can be reached at Paul@escoandbenson.com
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Credit Tips: Credit Card Scam
Posted On:
Author: lynette245
Joined: 09 Aug 2003
Posts: 1
Posted: Sat Aug 09, 2003 12:47 am
Post subject: DO THIS COMPANY EXIST
I WAS SENT A PLATIUM CARD I HAD TO SEND IN $49 FOR THE MEMBERSHIP FEE BUT I HAVE NOT RECIEVE THE CARD YET I WANTED TO FIND OUT ABOUT THE COMPANY THE NAME IS CONSUMER PREFERRED PO BOX15386 TAMPA, FL 33684 PLEASE LET ME KNOW DO THIS COMPANY EXIST OR NOT DID THEY JUST TALK MY MONEY[/b]
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Author: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 19 May 2003
Posts: 742
Location: NJ
Posted: Sun Aug 10, 2003 3:19 pm
No, no, NO! Don’t EVER send money up front to obtain a credit card, especially to a company that has nothing but a post office box. Any LEGITIMATE offerer will bill any charges on your first month’s statement. Not only that, but even if you eventually get it, the card is virtually useless since it can only be used for purchases through overpriced sponsored catalogs and websites. Their terms and conditions specifically state that their card is not a Visa or MasterCard. You can visit their website at cpcard.com for more information. Here is a review of the card from cardoffers.com: “The Consumer Preferred Platinum Card issued by Consumer Preferred, LLC, is designed for those with poor to limited credit. “Though the credit card does have a $45 enrollment fee, it is considered reasonable as compared to similar cards, which can charge fees from anywhere between $200 - $400 for the first year of membership. In addition, there is no interest rate on purchases and no annual fee. “Anyone who applies for the credit card will be accepted, based on their “No Credit Check or Guaranteed Approval” policy, though certain restrictions do apply (see website for details). Upon the first visit to the authorized website, cardholders receive a up to a $50 discount on their first purchase. “So what’s the catch? The major drawback of the credit card is that it can only be used for retail purchases through the sponsored website and catalogs. In essence, the credit card is a retail charge card that can only be used for selected products. However, this may or may not be a drawback for certain members. “In addition, Consumer Preferred, LLC requires up to a 35% deposit for merchandise purchases until cardholders demonstrate that payments will be made in a timely manner. “Therefore, those who do not require a credit card for general everyday purchases may find the Consumer Preferred Platinum Card as a suitable option. “Updated: July 21, 2003 Most Attractive Feature(s): No APR; no credit checks; Discount on first purchase made with the card. Least Attractive Feature(s): Can only be used as a retail charge card.”
Do not let what you cannot do interfere with what you can do.
Ira
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Author: Dawn
Guest
Posted: Wed Feb 04, 2004 10:37 am
Post subject: how can I cancel this stupid card
How can I cancel this stupid card. I’ve been a mamber for about 6 months. At first they took $200 from my checking account with my approval like an idiot. Recently they took $200 more dollars out of account without my approval. I feel robbed. how can I cancel when noone answers the phone the web site is never operating. What can I do?
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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 488
Location: Midwest
Posted: Wed Feb 04, 2004 7:17 pm
Dawn, You need to dispute the second withdrawal from your checking account within 60 days or sooner. Keep a written record and copies. You may want to close your checking account since there’s nothing to prevent future withdrawals. The crooks will use different names, amounts, and dates to get by any blocks the bank sets up. Closing a compromised checking account is the best way to go. Some recommend even changing banks. (banks have been known to take money out of your new account to cover back-dated withdrawals on your old account). The thieves will use every trick to get the withdrawal to go through. Since you were probably misled and thought you were getting a true credit card, file a report with the FTC, state attorney generals (where you live and in Florida), and the BBB in Florida that covers Tampa about this and the unauthorized second withdrawal. A couple good sites that deal with this sort of scam are: eyeoncredit.com and ripoffreport.com Look under scams at eyeoncredit and you will find a message board. At both sites you will see how other people are handling your situation. At eyeoncredit they know the proper way to dispute an unauthorized ACH withdrawal and even how to go after the ACH, or automated clearing house, that processed the withdrawal. Sometimes the ACH’s are in league with the scam artists. In the future hang up on telemarketers and don’t buy anything off the tv. Yes, even infomericals are often dirty. Doing so gets you and your checking account information on lists that are sold and resold. The whole thing snowballs.
Verne
Any agreement that can be changed at any time, for any reason, is no agreement at all.
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Author: Guest
Posted: Sat Mar 06, 2004 2:15 pm
Post subject: Re: DO THIS COMPANY EXIST
lynette245 wrote:
I WAS SENT A PLATIUM CARD I HAD TO SEND IN $49 FOR THE MEMBERSHIP FEE BUT I HAVE NOT RECIEVE THE CARD YET I WANTED TO FIND OUT ABOUT THE COMPANY THE NAME IS CONSUMER PREFERRED PO BOX15386 TAMPA, FL 33684 PLEASE LET ME KNOW DO THIS COMPANY EXIST OR NOT DID THEY JUST TALK MY MONEY[/b]
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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 488
Location: Midwest
Posted: Sat Mar 06, 2004 6:18 pm
lynette, Check out eyeoncredit.com You’ll find information on this company and how best to proceed. Usually offers like this are outright scams or, at best, “catalogue” cards. In fact, there are so many scams and catalogue cards in Florida, especially the Tampa area, I’m suspicious of any offer or merchant in that area. Doesn’t say much for the Florida state attorney general or BBB.
Verne
Any agreement that can be changed at any time, for any reason, is no agreement at all.
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Author: wanda fay
Guest
Posted: Mon Jun 14, 2004 10:23 am
can you extend credit to us for flea market and we pay as se we just want to start a business for extra income, so i need approval to do this.
wanda
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Author: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 19 May 2003
Posts: 742
Location: NJ
Posted: Mon Jun 14, 2004 11:30 pm
Wanda, this is a public forum for discussion of credit card matters. It is not your credit card company.
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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 488
Location: Midwest
Posted: Mon Jun 14, 2004 11:48 pm
Be wary of any card with membership fees. Most are catalogue cards and not true credit cards that report to the CRA’s.
Verne (this post replaces another which I had to edit - delete really - due to unnecessary sarcasm. Sorry for the inconvenience.)
Any agreement that can be changed at any time, for any reason, is no agreement at all.
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Author: sharon burruss
Guest
Posted: Sat Jul 03, 2004 2:03 am
Post subject: send info s burruss at 1610 S Rossmoor ct Visalia ,Ca 9
Ira wrote:
No, no, NO! Don’t EVER send money up front to obtain a credit card, especially to a company that has nothing but a post office box. Any LEGITIMATE offerer will bill any charges on your first month’s statement. Not only that, but even if you eventually get it, the card is virtually useless since it can only be used for purchases through overpriced sponsored catalogs and websites. Their terms and conditions specifically state that their card is not a Visa or MasterCard. You can visit their website at cpcard.com for more information. Here is a review of the card from cardoffers.com: “The Consumer Preferred Platinum Card issued by Consumer Preferred, LLC, is designed for those with poor to limited credit. “Though the credit card does have a $45 enrollment fee, it is considered reasonable as compared to similar cards, which can charge fees from anywhere between $200 - $400 for the first year of membership. In addition, there is no interest rate on purchases and no annual fee. “Anyone who applies for the credit card will be accepted, based on their “No Credit Check or Guaranteed Approval” policy, though certain restrictions do apply (see website for details). Upon the first visit to the authorized website, cardholders receive a up to a $50 discount on their first purchase. “So what’s the catch? The major drawback of the credit card is that it can only be used for retail purchases through the sponsored website and catalogs. In essence, the credit card is a retail charge card that can only be used for selected products. However, this may or may not be a drawback for certain members. “In addition, Consumer Preferred, LLC requires up to a 35% deposit for merchandise purchases until cardholders demonstrate that payments will be made in a timely manner. “Therefore, those who do not require a credit card for general everyday purchases may find the Consumer Preferred Platinum Card as a suitable option. “Updated: July 21, 2003 Most Attractive Feature(s): No APR; no credit checks; Discount on first purchase made with the card. Least Attractive Feature(s): Can only be used as a retail charge card.”
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Author: Sharon
Guest
Posted: Sat Jul 03, 2004 2:11 am
Post subject: this has been a total rip off
I agreed to this because I had bad credit and thought it would help me build better credit. All I got was an education about buying from tele-marketers. Bad experience and I was charged on my checking account 3 times. They are good at what they do . Boy do I feel stupid.
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Credit Tips: Credit Card Scam
Posted On:
Author: mc168300
Joined: 02 Sep 2004
Posts: 1
Posted: Thu Sep 02, 2004 9:33 am
Post subject: 1-800-685-9354 Credit Card Scam
I recently checked my bank statement, and their was a deduction of $149 out of my account. There was a phone number where the description of purchase would be (1-800-685-9354). I don’t know what to do. I read a previous post from June but it didn’t seem that money was actually taken from the persons account. However, when he called this number he was diconnected. What should I do?
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Author: Polonius
Credit Expert (100+ Posts)
Joined: 19 Jan 2004
Posts: 379
Posted: Thu Sep 02, 2004 11:04 am
You’ve been ripped off by USA Credit. Check this link for advice:
creditcardperks.webgroups.biz/phpBB2/viewtopic.php?p=15578
Polonius
“Neither a borrower, nor a lender be; For loan oft loses both itself and friend”
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Author: credithelp
Joined: 23 Aug 2004
Posts: 44
Posted: Thu Sep 02, 2004 4:57 pm
usa credit is a total scam. I had a friend who had around 600 taken out of his account. He never applied,never signed anything,never ever talked to anyone on the phone. One day he went to check his bank balance and noticed it was 600 dollars short. Come to find out, usa credit got his info somewhere and took money from him. Usa credit claimed that he gave them the info over the phone(thats how they covered their butts from legal action), but my friend says he never spoke to anyone. When he told his bank about it they fought for him and he got the money back quickly. I would see if your bank will issue you another account number and close that one. usa credit will take and take.
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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 459
Posted: Fri Sep 03, 2004 7:37 am
Check our consumer reviews section for other “not-so-positive” reviews on USA Credit:
http://www.cardratings.com/cardreviewfr.html
Let us know how things turn out. Also, let me know if you would be interested in doing an interview about your situation…
Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX
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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 459
Posted: Fri Sep 03, 2004 7:57 am
By the way, welcome to the board credithelp!
Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX
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Credit Tips: Credit Card Scam
Posted On:
Author: davidb
Joined: 19 Aug 2004
Posts: 1
Posted: Thu Aug 19, 2004 8:06 pm
Post subject: usa credit
this company called usa credit keeps calling saying that i have been approved for a credit line of 7.000 for on line ordering only well i do not remember about appling for this company. They keep telling me that even though i had not applied i am still approved. damn wait aminute ” i did not apply” so how did this company get my phone number and address information? when i asked the sales person advised me the company got it from another company that they do business with, once again i advised the teller i havn’t applied for anything in a way of credit because i am not allowed to being that i am on bankruption. ” hello” how did they get this information about me? even though i told this sales person about me being on a bankruptsy he stated i still can get a credit card. i just hung the phone up. this is weird, got people calling me even though i had not applied.[/b]
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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 488
Location: Midwest
Posted: Thu Aug 19, 2004 10:02 pm
USA Credit is just a scam out of Canada and sometimes Florida or Utah. Don’t pay to get a credit card. The idea behind a credit card is to borrow, not buy. Don’t buy credit, let it come to you.
Vribble
Any agreement that can be changed at any time, for any reason, is no agreement at all.
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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 474
Posted: Fri Aug 20, 2004 7:39 am
Thanks for the post Verne.
Take a look at out our popular consumer reviews section to read some of the negative comments about this card:
http://www.cardratings.com/cardreviewfr.html
Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX
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Author: ItalianCutie444
Joined: 02 Nov 2004
Posts: 3
Location: Tonawanda NY
Posted: Fri Nov 05, 2004 6:11 pm
Post subject: USA Credit
Hi all….I’m responding to the complaints about the company called USA CREDIT that keeps calling people about their credit line. They were calling me too…..the only way i figured out how to stop them is when i emailed them saying that if they did not stop calling my private cell phone number, i would get lawyers involved……that was it. So i they repeadiatly call you, mention that you heard of the fraud and will not hestitate to take further action….its been a couple days, and i haven’t gotten a single phone call back! Good luck everybody!
Kel
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