Complaint Review: NACS

Like all the other reports, I too recieved a call sometime late in December saying that I had been approved for a credit card with a credit limit of up to 2,500. To me this did not seem like a scam because I just recently turned 18 and I have several bills in my name, so I had been recieving credit card offers frequently.

I had been told that the credit card would help me build my credit, they said if I paid my bill on time they would report it to the 3 major credit bureaus every 3 months and that by six months of on-time payments, I would have AAA credit.

They also said that I would have to pay a One-time fee of 200 dollars, but that I would recieve the $200 back in coupons that would go toward the payment of my credit card. I told the man the I did not have the money, but he said they would depit my account until I had enough. I gave them my account number and on January 10, they debited my account for $200 that I did not have! My account was overdrafted, so not only did I have to pay $200, I had to pay the bank an extra $25 for the overdraft.

About a week or so later, I recieved a small letter to sign. In this letter was the first time I learned of a Merchant Card. I immediately sat down and composed a letter frankfully stating that I was not interested in recieving a merchant card, and that if I was not going to recieve a credit card I wanted my money back. I even left contact numbers in the letter. No one contacted me.

About a week ago I recieved my package. 2 Crappy catalogs and a stupid merchant card. I was very upset. I have tried calling the number in the package but have been put on hold several times. What do I do?

Sharon
Chicago, Illinois
U.S.A.