USA Credit took SSN and birthdate, wanted $79.95 for membership fee. Ripoff! Uniontown Pennsylvania
Hi all--
Just wanted to say THANK YOU for this website!!
While I was on the phone "confirming" my new credit card with USA Credit, I (on a hinky hunch) decided to google their company name, and THIS is the first site that popped up! Wow.
Unfortunately for me, I had already given them my SSN and birthdate and routing number for checking account but NOT my checking account number. (phew!)
I also did not do the final authorization of the $79.95 that they wanted for a membership fee after reading the accounts on this website. I spoke with a supervisor, Jessica Spaw, who assured me that all of my information would be purged from their computer if I did not go through the entire verification process. Hoping that is true!
Did anyone else get only that far, not get charged and never have any further problems (other than mass amounts of spam, of course?)?
My understanding of this company is this: It's not REALLY a credit card, it is only usable on their website. It is not able to be used on sale items, only full price items. Jessica's explanation for this is that they needed payment in full to give to their wholesale distributors when something was on sale so they could pay them right away (why doesn't the company have enough money set aside to do this anyway???...)
I have called my bank, and since they have my crucial information, anyone calling my bank to inquire about additional cards or withdrawals etc cannot do it without a special password that has NOTHING to do with birthdate or SSN, it is only in MY head. I would suggest this to anyone who has given their info.
Other than that, I'm not sure what to do, because they could still use my info to apply for a zillion other things... I am just having to take the word of a company whose first internet reference is "RIP OFF REPORT" (sheesh) that my information has been purged from their computer.
Anyway, thanks again for stopping me before I actually went all the way through with the verification!!
DON'T DO IT!!! Hopefully the next person will stop before giving their SSN or other crucial information (I almost did stop and check first, but didn't check computer until AFTER giving it-- stupid stupid stupid).
USA Credit-- big ripoff, no return. Not worth a "free" Sony Playstation or Razr phone...
Elizabeth
Boston, Massachusetts
U.S.A.
2 Updates & Rebuttals
Keith
Masontown,Pennsylvania,
U.S.A.
for all you folks..
#3UPDATE Employee
Mon, February 14, 2005
I'll address this issue since you all seem to not understand what the supervisor told you.
1) When you decided not to go through with the processing, all your information is purged from the database, and no one is able to access that information, nor does USA credit provide any third party affiliates with your information.
2) If you are worried about giving your information out & then others using it, why would you provide it in the first place? Seems to me that you are just looking to get "took", lucky for you, USA credit is a respectable company, otherwise you could have been into one long road ahead.
3) Contacting your bank is a good idea if you ever suspect something is going to happen, they will always be able to assist you with the matter.
4) As for the supervisor(s), obviously they have their position for being crediable and knowing about the company, You were not mislead one bit by the mention supervisor, nor would you have been with any of the supervisors.
5) Again, you obviously do not have good credit or were looking to help your credit out a bit or you would not have came in contact with USA credit, therefore you passed up an opportunity to enhance your credit score...
6) Something to think about: What company is going to offer you any amount of money as an UNSECURED line of credit without doing a credit check to help you? NONE; Visa/Mastercard may help you, however they are going to make you pay 300-500 just to get a line of credit for $300-500, and then it is only reported as a SECURED line of credit, in any means, the Unsecured line of credit is what is going to help your score in the long run.
7) USA credit did NOT take your Social Security Number of Birthdate, YOU provided them, so when pointing fingers, make sure you realize who's actually the one at fault.
Thanks,
Keith - USA credit Rep.
Brian
Yarmouth,Maine,
U.S.A.
Watch out for idenity theft
#3Consumer Suggestion
Mon, January 24, 2005
Since they have your SSN and birthdate, I would be very worried about identity theft if I were you. You may want to contact a lawyer or someone who can help you safeguard yourself and prevent these people from creating problems for you.
I can't offer you and specific advice because I don't know specifically what you should do at this point. However, you should do something! Don't sit back and hope this unscrupulous company does the right thing! You need to be proactive and prevent any damage that could be done, ASAP.
I'm glad badbusinessbureau was able to save you from getting scammed directly, but you aren't out of the woods yet.