Complaint Review: Dynamic

Dynamic Credit, First Choice, Credit Education Group, CEG, Dynamic, Pinnacle Tele, Shipper IMS ripoff, Scam, False Credit Card promise Las Vegas, Henderson Nevada .....

I was contacted by Dynamic Credit Services on 6/6/03, I too was promised a credit card to help me start building credit. Being young, and looking to purchase a home, and knowing I had no real credit history established I took the bait.

Dynamic (various AKA's), promised me a credit card with a $2500 dollar credit limit. All I had to do was pay a one-time $298 dollar fee, which covers all processing, shipping, and a credit building package. Eager to start building my credit, I paid using check by phone, and the funds were to be withdrawn that day from my checking account. They told me it only be "...five working days until you receive your shiny new credit card!"

The wait...
I waited for about a month, frequently calling, and leaving messages, and never receiving a response. Until finally on July 1, 2003 I received a call from Dynamic. At first I thought they were responding to my message, but when the customer service rep began to solicite me to sign up for a new card, it all came toghether. I had been scammed!!!

I tryed to explain to the rep that I had already signed up for service, and was still waiting for my "shiny new credit card" to arrive. Seeing as how she was unable to communicate with me in the english language, I asked to be transefered to a supervisor, it only got worse. The supervisor too was unable to speak english very well, but I tryed, I gave him the information that they had given me. He responded by telling me that I was not in their system, and if I was sure that it was Dynamic that had solicited me only three weeks earlier.

At this point I was very angry, I began yelling at him, and he told me that they had made a mistake, that they never withdrew any money from my checking account. I told him that they had, and that I was going to report him to the BBB, the police, and file a civil suit against his company. He just hung up. That was the last time I spoke with anyone from dynamic. Thankfully my bank was able to refund me my $298, Wells Fargo didn't even question it, they just refunded my money, and wired it directly out of Dynamic's account.

Well that's my story, and I hope that knowone else has to go through this again. Also, I may be contacting our family attorney to see what legal action, if any I can take against this company. If anyone is interested inm joining a POSSIBLE class-action suit please contact me via E-mail at: [Removed by MSP-RoR ~Contact via Rebuttal]

Thanks and good luck,

Mike
San Mateo, California
U.S.A.