Complaint Review: NCAS

In November of 2002 I was contacted by NCAS. They told me that I was approved for a Mastercard with a limit of $2500.00. Being newly bankrupt, and without a credit card, I was pleased that I could qualify for such a high limit. The interest rate seemed low, and all I had to do was to give them $200.00 and I could get my card in the mail in 2 weeks. Yes, these guys scammed me. After reading the other posts, I guess I don't have it so bad.

I was unaware that the bank numbers I gave them are the same for both checking and savings. They tried to withdraw the $200.00 in November, and it bounced. OK. So I thought that like any reputable company, they would say, "this person doesn't have enough to pay the setup fees, why would we issue a card?" and deny me outright. So I thought nothing of it... UNTIL I got another notice that $200.00 was debited to my account, and there was no money again for the transaction. I was quite worried, because there was more than that in my checking account.

I talked to the bank and they said that the transactions were being sent to my savings instead of checking account. Well, I called the number that the bank gave me, and after being on hold long-distance for 30 minutes, got a representative. She said I could cancel my account, IF I paid $85.00 (two $25.00 bounced check fees and a "termination fee" of $35.00).

The "floor manager", Alvin Sanders, was completely unhelpful, and paranoid: after I told him I would not have a problem if "your people would get my account numbers right" he replied, "You people-- what do you mean by MY people- is that a racial slur?" How could I determine what ethnicity he was over the phone? That was absolutely the last thing I was thinking at that point. He was highly unprofessional and he's had WAY too much sensitivity training.

Needless to say, I have taken steps with my bank to block any further transactions from these bozos. They didn't get my $200.00, and won't get their phony fees either! I hope these guys are prosecuted. Thanks for a place to vent. I want my story to be a warning for others.

Gina
Gaylord, Michigan
U.S.A.