Complaint Review: Royal Credit Service - nationwide

In the early part of July, 2003, I was contacted by a woman, she stated her name as Sars Harcourt, and she was calling from McDominic Credit Service and that I (who have bad credit) was approved for a Visa\Master Card with a limit of $2500.00, I had only a one time fee of $298.00 - never was I to pay a yearly service charge, this $298.00 was to cover my service charge for the next 17 years, this is what they figure the normal time a card holder uses their card.

WOW!!! I couldn't believe it, Sara Harcourt also tells me that once I get my card I can remburse myself by taking a cash advance of $300.00 on the card to start my new creit out on a good foot. I was all for that, I had plans to remodle my small house and this was a God send!

I like a kid with a new toy gave my debit card number to this woman, she gives me the following phone number 1800-513-8180 ext. 3237, just in case I have any questions, sounds great!

Wrong! She then next tells me that I need to have everything verified by their "Verification Officer", his name is suppossably Chris Logan - now remember I am writing all this information down as we are talking - keep that in mind when it comes to the name of the company I was first given, this Chris Logan verifies all my information, gives me his number, just in case I have questions - 1-800-513-8180, sounds legit, right!

The money was to be taken from my account on the 16th of July and I was informed that they were not responsible for any over drafts that may be caused and to make sure I have money in my account to cover the $298.00 charge. I go to the ATM on the 16th, the 17th, the 18th, the 19th, the 20th and finally on the 22nd the mony is deducted.

I realize I never asked when my Visa / Mastercard would arrive, so I call the Number Sara Harcourt gives me a man with an Eastern Euroup acsent answers the phone "Dynamic Credit", I don't pay much attention to the name and go about to ask for Sara Harcourt at ext. 3237. The man informs me that they are having trouble with the phones and is unable to tranfers my call. He then asks me if there was anything he could help me with. Okay, so I tell him that I forgot to ask Sara when my card would arrive. He states to me that 10 days after the money has been deducted from my account they will send out a package for me and that I need to sign the application so that they can have my correct name inprinted on the card, sounds good to me. I wait!

10 days went by, nothing! 3 weeks went by, nothing! Huhn, so I call the number given me, and low and behold I get the same guy, I tell him that I have not received my package yet, with exclamation in his voice, he says "you haven't recieved your package yet! I'll make sure to get that right out to you!".

I thank him and again wait some what patiently. Finally after 3 weeks past I called the ever so called numer again this time I get no answer, it just rings and rings, so I call the number Chris Logan gives me, the phone picks up but, you guess it a recorded message that all lines are busy, please leave a message!

Wrong thing to say to me, I left a pretty nasty message, and quite a few after that, I even called at 4:00 am and recieved the same message, I was pi--ed at this point and knew in the pit of my stomach, I HAD BEEN RIPPED OFF!

Finally at the begining of September I received the every wanting package, what a joke. It was a book of coupons for things that were not even in the state I live in and an application for a credit card with a $79.00 processing fee and subject to credit approval! This is not what I was told I would be getting!

I tried one more time to contact Sara Harcourt or Chris Logan, this time the pone either rang busy or rang and rang, I filed a complaint with my Attorney General.

A few weeks after I filed a complaint with my Attorney General I recieved a letter from the Attorny General stating that the Dynamic Credit Service had no record of me being a client of theirs.

I couldn't find my bank account statement that had the withdrawal on it so I gave up, until last night I found my statement and this is how it reads for the withdrawal:

07-22 #Preauthorized Debit -298.00 Royal Cr Serv 8662506035 030722 N03878246490

I don't know what can be done about this but, I know I feel totaly violated that some one could do this and feel no regret. I am not a rich or even a well to do person. I live from pay check to paycheck and need my money back.

Dawn

Charlote, Michigan
U.S.A.

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