USA Credit Card Company Legitimate?
Author: Guest
Posted: Tue Jun 24, 2003 5:17 pm
Post subject: Ever Heard of USA Credit?
Hi. I am concerned because I got a phone call tonight with someone telling me I had applied online for an unsecured credit line. I kept telling them that I wouldn't be accepted for more credit, but they said I was already approved, they just needed information. They said they were "USA Credit". They asked a lot of questions, including my bank name, my routing #, and all the other personal info like, SS#, date of birth, etc. Then they said they were transferring me to someone who would set up my account and give me my new account #. A recording came on that said I needed to hold; after a while it said my hold time would be 8 minutes. After a few more minutes, the line disconnected. No one ever called back, and I didn't have any idea how to contact them. I came online and went to usacredit.com, hoping that would be their website. It said the website was found, but was one of those messages that said either reload or try to access the site at a later time. I am now panicking because I gave out so much personal information over the phone. No one, not ever, has ever asked for my bank routing # before. Have you heard of USA Credit? Do they exist? What should I do now? Thank you.
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Author: Verne
Posted: Tue Jun 24, 2003 6:58 pm
Post subject:
Don't trust telemarketers. At least don't give them information until you've checked them out. I haven't heard of USA Credit but it sounds suspect. Billions of dollars are lost each year to telemarketing scams - many in Canada selling fake credit cards. Typically people find debits for anywhere from $89.00 to $289.00 on their checking account statements.
Assuming this is a scam, I would contact the bank first thing tomorrow morning and close the account. Have it reissued or perhaps the bank could recommend a less drastic course of action.
Or you can wait until they withdraw money and then dispute the unauthorized debit. Eyeoncredit.com has all the info on disputing unauthorized checking account debits. You usually have 60 days but it isn't easy. Eyeoncredit also has a list of agencies where you can report this and a message board where you can post your experience. You may find others in the same boat. They specialize in telemarketing fraud.
You might consider contacting your local law enforcement and newspaper, describing the incident. Sometimes, an area, even a town, is hit by the same scam all at once. Quick action will minimize the damage.
I don't know how much more damage they can do with your social security number, date of birth, and other information you gave them but I would watch for any signs of ID theft. They may try to obtain credit in your name, change your address, and have the statements sent to them.
Let us know how this turns out.
Author: fletcher91
Posted: Fri Jun 27, 2003 6:02 pm
Post subject: usa credit
Thanks for your message. I did not give out my checking account #, only the routing #, so the bank isn't worried about that account. I am still concerned with what these people could do with the ss#, birth date, address and email address and routing # of a checking account. I did not give any passwords or pin #s. If they try to apply for credit, they will be declined because I am over-extended. Can they get access to my credit account #'s? Could they change my address without the #s of the credit cards or checking accounts? Can they obtain a credit report? Does a credit report have any info that could be used? Thank you. Nancy
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Tue Jun 24, 2003 5:17 pm
Post subject: Ever Heard of USA Credit?
Hi. I am concerned because I got a phone call tonight with someone telling me I had applied online for an unsecured credit line. I kept telling them that I wouldn't be accepted for more credit, but they said I was already approved, they just needed information. They said they were "USA Credit". They asked a lot of questions, including my bank name, my routing #, and all the other personal info like, SS#, date of birth, etc. Then they said they were transferring me to someone who would set up my account and give me my new account #. A recording came on that said I needed to hold; after a while it said my hold time would be 8 minutes. After a few more minutes, the line disconnected. No one ever called back, and I didn't have any idea how to contact them. I came online and went to usacredit.com, hoping that would be their website. It said the website was found, but was one of those messages that said either reload or try to access the site at a later time. I am now panicking because I gave out so much personal information over the phone. No one, not ever, has ever asked for my bank routing # before. Have you heard of USA Credit? Do they exist? What should I do now? Thank you.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Verne
Posted: Tue Jun 24, 2003 6:58 pm
Post subject:
Don't trust telemarketers. At least don't give them information until you've checked them out. I haven't heard of USA Credit but it sounds suspect. Billions of dollars are lost each year to telemarketing scams - many in Canada selling fake credit cards. Typically people find debits for anywhere from $89.00 to $289.00 on their checking account statements.
Assuming this is a scam, I would contact the bank first thing tomorrow morning and close the account. Have it reissued or perhaps the bank could recommend a less drastic course of action.
Or you can wait until they withdraw money and then dispute the unauthorized debit. Eyeoncredit.com has all the info on disputing unauthorized checking account debits. You usually have 60 days but it isn't easy. Eyeoncredit also has a list of agencies where you can report this and a message board where you can post your experience. You may find others in the same boat. They specialize in telemarketing fraud.
You might consider contacting your local law enforcement and newspaper, describing the incident. Sometimes, an area, even a town, is hit by the same scam all at once. Quick action will minimize the damage.
I don't know how much more damage they can do with your social security number, date of birth, and other information you gave them but I would watch for any signs of ID theft. They may try to obtain credit in your name, change your address, and have the statements sent to them.
Let us know how this turns out.
Author: fletcher91
Posted: Fri Jun 27, 2003 6:02 pm
Post subject: usa credit
Thanks for your message. I did not give out my checking account #, only the routing #, so the bank isn't worried about that account. I am still concerned with what these people could do with the ss#, birth date, address and email address and routing # of a checking account. I did not give any passwords or pin #s. If they try to apply for credit, they will be declined because I am over-extended. Can they get access to my credit account #'s? Could they change my address without the #s of the credit cards or checking accounts? Can they obtain a credit report? Does a credit report have any info that could be used? Thank you. Nancy
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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