Complaint Review: Dominion National Bank - Nationwide

I received a call the week of August 9, 2004, informing me that I was recently declined for a credit card, however I was being given an opportunity to gain a credit card with a limit of $2,500.00 however this deal was a one time offer, and a had to accept the offer immediately. Considering my credit is poor, after a divorce, and I wanted an opportunity to rebuild my credit again. Therefore I agreed that I would like to have the credit card. I was given a choice by the woman I spoke with on the phone to select a Visa Card, or Mastercard. I chose the Mastercard. She informed me that there was a one time processing fee, one time annual fee, and service fees, totaling $289.00. She informed me that if I didn't have the money now that I could set up arrangements for the money to be deducted from my account on Wednesday, August 18, 2004. She was very aggressive and persistent about the offer. I agreed to have the transaction taken from my account on Wednesday, August 18,2004. She stated to me that I will receive in about 30 days a verification form to verify my signature, and that I must forward it back. Once the information is recv'd by Dominion National Bank, my card would be issued. She asked me if I would like one card or two cards. I replied one card, she then stated if I chose to have a second card issued there would be no additional fees. She also informed me that if I stop-payment the transaction, or if the funds are found not to be available on 08/18/04 that the card would not be issued and my application would not be reconsidered. She informed me that a second caller from an ACH processing company would be calling me to verify the debit, she provided me with a 1-800 number in which I have now misplaced and can not call to verify the validity of this Dominion National Bank. Within 5 minutes I recv'd another from call from a gentleman verify the transaction and informing me that a second party would be determining the balance available on the card, I asked him some questions and he informed me that he did not have the answers that I would have to call back the number provided to me from the previous caller. August 18, 2004 came around and sure enough the money was debited from my checking account. I have not recv'd as of this date September 9, 2004 nothing. I'm worried, scared, and feel raped, so to speak.

I am usually a very conscious, and careful person when it comes to solicitors by mail and phone, yet this time, I believe I have been had! All the signs of a scam was there, yet I failed to adhere to them. All I want now is my money back, and I feel totally different about telemarketers/solicitors. I don't think I'll ever give them the time of day by mail/telephone again! I've searched now for well over 2 weeks trying to locate this company which does not exist and I want to spread the word to others to keep your eyes & ears open for this scam, using the name of Dominion National Bank. Thank you for your time and consideration in listing this complaint for others to review.

E

C, Ohio
U.S.A.