Complaint Review: Royal Credit Services

A few weeks ago, a telemarketer called my wife saying that she would get issued a Visa card for the fee of $298.00 which would be debited from our checking account. When I heard the name of the company that called her, I looked it up on the internet. I'd received a report about Prime One Fiancial/Prime One Benefits/Prime One etc. This was another credit card scam that is still going on with almost all the same parties.

I interrupted her call after reading the report about Royal Credit Services and cancelled the order. The debit was scheduled for July 29, 2003. I cancelled it and it surprised when me this firm didn't go ahead and debit our account anyway on the 29th.

This company stole the money from our account on July 31, 2003.

Now I'd already warned my bank that this firm may debit our account on the 29th of July and asked them to stop this debit. Funny how they allowed the debit from the same company only two days later.

They hit our account for $150.00 in NSF fees with what I can only refer to as an interesting accounting method, which they've used many times before against us!

I made several withdraws from the ATM yesterday. All receipts showed a positive balance. Yet when the system turned over a midnight, our bank applied the $298.00 debit from our account and then subtracted the withdraws I'd made during the day.

The $298.00 debit plus the withdraws put our account in a negative balance and the bank hit our account for 5 $30.00 NSF fees.

I called Client Care Relations and was given the old song and dance about "Well sir, we only handle customer questions and we send out the information packets"!

They refused to give me the address of this Customer Care Relations firm that she worked at.

They had only a mailing address for Royal Credit Services and that was in Boca Raton Florida. There is no phone listing for Royal Credit Services in Boca Raton. As if that was a surprise.

Robert
Dale City, Virginia
U.S.A.