Janet
Romeoville,#2Author of original report
Fri, January 13, 2006
I disputed the transaction with my bank and they were very good about it. They credited the money back to my savings account and closed the account and opened another one to prevent USA Credit from charging me again. I filed a complaint with the Federal Trade Commision and they want to do an affidative about my incident with USA Credit. I also filed a complaint in the state that the company was incorporated (Pennsylvania) The result was not exactly in my favor. According the them the funds I paid them came back non sufficient and I still owe them $10 for opening the credit card(origination fee). The whole point of my complaint was that they were selling me a useless credit card. I could hardly buy anything on their website and the vast majority of items sold on the site required an alternate method of payment i.e check, moneyorder, cashier check, or other credit card. The items you could buy with the "credit card" were overpriced. For instance they charged $45 for a pair of jumper cables when you could go to ACE or Sears and get them for $15. I am hoping I can get in touch with the FTC. They seem to take an interest in my incident.
Janet
Romeoville,#3Author of original report
Fri, July 22, 2005
They only asked my account number and if I knew what company it was. I told them that I did and explained what happened. The bank did reverse the charge. Now I have to go down to the bank tomorrow and close out my savings account and open a new one (better safe that sorry). I am concerned that USA Credit did not really close my account as they said, so I will go to court as soon as I get another day off and sue them to rescind the contract due to failure of consideration as advised on this website. I do not want them to put a negative item on my credit report. In case they do, I will forward copies of my judgment to the three credit bureaus. I am also sending a certified letter to close my "credit card account" as proof to the court that I want to close this account. I have a feeling that this is just the beginning.
Kevin
Houston,#4Consumer Suggestion
Thu, July 21, 2005
Why have you not disputed this with the bank yet? Since this product was mispresented to you, then go to the bank and dispute this through the bank and ask them to charge it back to them. Most bank chargeback forms have a box to check for a product which was not provided or misrepresented. Do that.. You have 60 days from the time the first statement with the transactions was sent. Get on that as soon as possible. Let the bank know about this scam.. Most of the time, the bank will charge it back regardless of what that company says... So get to it....