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  • Report:  #259363

Complaint Review: USA Credit

USA Credit Debited 149.95 from my checking account WITHOUT authorization! Internet

  • Reported By:
    Seattle Washington
  • Submitted:
    Sun, July 08, 2007
  • Updated:
    Wed, July 18, 2007

I check my checking account every day and today was surprised to find a debit of 149.95 taken 7/6/07 from a company called USA Credit. I have never heard of these people!

I am wondering if they are affiliated with some credit card called Imagine. About two days ago I received a letter in the mail with the letterhead IMAGINE and nothing else. No address, no phone number, nothing. It was providing me with the PIN to an Imagine MasterCard that I DO NOT HAVE! I have received junk mail recently from this Imagine company, but threw it away.

Does anyone know if Imagine is actually USA Credit or are these two separate entities? So far I have found no references linking the two.

I called my bank today, but they referred me to the 800 number that was with the debit, which of course is USA Credit and they are not open. After reading the reports here, I am not even going to bother trying to call them again. Instead, Monday morning I am going to take printouts of these most recent reports about this company on this website to my bank and fill out the dispute form. I am also going to ask that they close my checking account and give me a new one. For now I have stashed my remaining balance in my savings account. This is such an incredible hassle. Why isn't the person or people running this company in prison?

I also plan on contacting the Attorney General's office in WA Monday morning regarding this company as well. Maybe if everybody filed complaints with their respective Attorney General's office, it might make a difference.

Denise
Seattle, Washington
U.S.A.

3 Updates & Rebuttals


Denise

Seattle,
Washington,
U.S.A.

I got my money back from USA Credit!

#4Author of original report

Tue, July 17, 2007

I received my money back today and immediately transferred it to my new checking account and closed the old one. Good luck to them trying to get anything else out of me!


Denise

Seattle,
Washington,
U.S.A.

USA Credit Update!

#4Author of original report

Mon, July 09, 2007

I went to my bank today to file the dispute on the 149.95 taken from my account by USA Credit. They had me call USA Credit while at the bank. The woman on the phone was trying to intimidate me by saying that the call was being recorded, it was a felony to state that I had NOT authorized this deduction if I actually had, that they had recorded my IP address, etc. She then went on to "verify" my personal info, and I refused. I told her she already had it and to quit arguing with me and refund my money! She then gave me some story about refunding the money by 07/20/2007.

I then proceeded to call the credit fraud division of my bank. I filed a claim with them after stating what had gone on with that call. That account is now frozen, I had to open yet another checking account (I have direct deposit from work) and now will have to submit a new account to have my direct deposit into. At least they won't have the new number!

I will update again when I receive my money and after I hear back from the Attorney General's office.


John

Louisville,
Kentucky,
U.S.A.

Advise

#4Consumer Comment

Sun, July 08, 2007

Getting your money back is easy...you don't even have to physically go in to your bank...just call them up and say that the charge is fraudulent and request a "charge-back." I'd also cancel your debit card too being that this firm has your number...they might try to do it again.

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