Complaint Review: NACS Credit Services

Letter of Complaint to Whom It May Concern,

In November of 2002 I was contacted by NACS and informed I was eligible for a Visa card for $2500.00 at a low interest rate of 6.9% No Annual renewal, cash advance privileges of $1000.00 in 3 Months, $200.00 worth of shopping vouchers and a Preferred shopping card with a catalog, for a one time $200.00 processing fee. They also would report to the credit agencies on a monthly basis to help reestablish my credit rating.

Since I had just recently applied to several companies for credit services I assumed this was a legitimate response from one of the companies to whom I had applied. My wife had just received a card from Capital One (NOT A RIP OFF COMPANY) and she questioned the way the lady was giving her pitch that this sounded too much like a boiler room operation. (My wife has worked in a bank and has had some experience) So we told the lady we wanted to think it over till after the holidays.

She gave us her direct line (she said she was the supervisor in charge of sales). The name she gave us was Lori and the number was 305-948-7892. After discussing the situation further with my wife and Christmas coming up we decided to open a separate account and deposit only $200.00 and see what happens knowing in advance this might be a rip off. We wanted to make sure if in fact they were a scam company they couldn't get any more money than the $200.00.

On December 10, 2002 I called the number for Lori and she just answered the phone by saying "Lori so I knew I had an in-house number. I told her to go ahead and process the application. And she gave me a password and confirmation number, the internet address and the customer service number. As she was doing this I tried to connect to the internet address http://www.nascredit.com and the page was not available.

I immediately asked her about this and she said the service was down and to try http://www.nascard.com, it too did not come up on my browser. She did say they were working on it and it should be back up soon.

Giving her the benefit of the doubt I let it go and called the customer service number 727-384-4267 on another line and it was busy. I told her that and she gave me another number, 727-289-0295. It too was busy so she patched me directly through to customer service.

I talked to an Angela there and was told I could expect the package in 6 to 8 weeks. I explained we wanted to card for Christmas shopping and she said they were processing many applications and were doing there best to get them out by Christmas, but it usually takes longer. Now I knew that sometimes processing takes longer so I accepted that in good faith they would deliver as promised.

After I hung up I called the customer service number right back and it was busy the rest of the night.

After not having received the card by Christmas or New Years I called back the 1st week of January 2003 and talked to Angela again, I told her the money had been taken from my account before Christmas and I still had not received my card. She said it would be six to eight weeks just as she had said the first time, and that I was on record and the processing was going through. I accepted that too in good faith and hung up.

Now it's been eight weeks and I still have not received any package. I don't want them to hold off delivery until the 60 day period so I am going to the bank and get the ACH reversal then close the test account. If I get any flak from the Bank I'll be back in touch. If I get the package knowing now what I know I will probably just return it or maybe keep it unopened for further evidence if needed.

Thanks RIP OFF for your services. Ill be using you a lot now that I know you are here.

Rand
Las Vegas, Nevada
U.S.A.

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