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Jared of Jacksonville FL (06/11/08)
I recieved an offer to apply for a credit card in May 2008. In hopes of attempting to restablish decent credit I sent a 40.00 money to this company and never received anything in the mail after that. I tried contacting this office and couldnt locate any telephone number ANYWHERE!!!!!!!!!! That 40.00 could have been a half a tank of gas!!!!!
Emily of Spokane WA (03/26/08)
I just wanted to add a positive comment about New Millenium bank, as I have been a customer of theirs for four or five years now. I obtained a secured credit card from them in order to re-establish my credit, and it really has helped. I recall the instructions being clear about the processing fee, and the secured deposit required. I have had a couple of minor issues with them throughout the years but they have always been resolved, and the customer service people have never been rude.
My only real complaint is that they are fairly expensive. I now have an unsecured card with better terms and less fees than their card which was secured with my own money! Still, I feel it is worth it when you consider that I was approved for the unsecured card because of the credit history I was able to build with their card. So, I found them NOT to be devious or underhanded or anything like that, but a few things I didn't like are:
1.I found it odd that if I overpaid my bill, it reduced my available credit (for example, if I had a $300 limit and over paid by $5, my available credit was reduced to $295. When a $5 purchase was made, my available credit went back up to $300. Wierd. 2.When you make a payment to them, they hold it for seven days before the credit is available. This happens whether you pay by check, EFT, or ACH payment. 3.They send you information on how to increase your credit limit when you first receive your card, but if you misplace it then it's not very clear how to do it (different payment address, different customer service numbers, etc). Furthermore, the increase deposit payment can be easily applied as a regular payment (hence the knowledge of the overpayment issues listed in #1). They do require that you pay off and close your card before returning your secured funds to you, but again, this makes sense as the money is there to secure your line of credit and not there to be drawn against like in a checking account. Like any extension of credit, the balance must be paid. Once that is done they can close the account and then return the security deposit. I hope this information helps give a more balanced review of this company, and the services they provide.
Shawn of Massillon OH (02/24/08)
They took $99.95 out of my checking, and I did not get anything!
I'm in the hole now, thanks!
Diane of Milford CT (02/17/08)
I was checking my online banking with my Wachovia account and noticed that I had a negative $363.00 and a charge for $149.99 for New Millennium bank. I NEVER AUTHORIZED IT! I called them and they were rude and said they would cancel my year membership but that the $149.99 processing fee was nonrefundable. I was outraged. This unauthorized fraudulent charge had caused 3 utility bills to bounce and also incurred 3 individual $35.00 NSF charges. I called Wachovia and immediately was refunded the $149.99, filled an affidavit out and had to get a new Visa check card and checking because they were linked. I'm shocked that any protection affairs wouldn't close them down yet.
Damages of $149.99 unauthorized purchase- $363 in bounced checks. $35 times 3 for NSF funds. Lost payment arrangements and also winter plans for payment reductions because of bounced check. Shut them down. They cost me over 550 bucks and all I got back was the $149.99. This is appalling.
Patrick of Knoxville TN (01/17/08)
On 1-17-08, I was looking at my online banking account when I noticed that $99.92 was taken from my checking account. I noticed that on my statement said NMB credit card application fee for $99.92. This amount caused my checking account to go negative. I went to google and typed in NMB and New Millinium Bank came up. I talked to a lady and she said that she was sorry and she could help me cancel my application that they fabricated some how but not by me. She said that I would have to write a letter signed by me stating that I want my money back and I wanted to cancel the application. She told me to fax her the letter and she would personally hand carry it to the next stage. I went to my bank and told them about my story and said to go ahead and send them the fax. So the bank typed up a letter and faxed it. They said that it would take 5 to 6 buisness day to get my money. I needed the money now as I had some checks that needed to be covered now. I asked my wife ever so nicely if she had the money to cover this. My wife said yes and I covered at least $100.00 in bills that would end up bouncing.
I don't know how they got my bank statement and this concerns me the most because they can take out any amount money out of my account at any time. I went to my bank and told them about the scam, and they told me that I should send them a letter saying that I no longer wanted their service and I requested that I wanted to be full reimbursed for $99.92. So I sent it and I have 5 to 7 buisness day to get my money back? The Lady at the bank said that she will keep a sharp eye on my account, looking for any more money being taken out. If so, I will have to change my bank account #. I dont know how they got my bank checking # without my permission.
I am stressed about when is the next time I am going to be robbed. I cannot afford to lose money. I know I will never fill out another application online about anything because someone is watching you and ready to steal from you. I will never trust online gredit card gimmics. Now I have to change my checking account so I can keep these guys away from my money.
Amanda of Boonevillle MS (12/29/07)
New Millennium Bank took $99.95 out of my mothers account; now I can't get them to put the money back in her account. She did not authorize this transaction. Now I am in trouble with her and the bank. Please advise on what to do.
The money that was taken out of her account created an overdraft resulting in $99.95 plus $30.00 overdraft fee.That is not right. I need help.
John of Soda Springs ID (12/05/07)
In October 2007 we sent $59 to the New Millenium Bank for our credit card and never received anything. Please see that this company is taken out of business because they are just cheating the public.
Physical damage has been unnecessary expectations and total waste of time, which is valuable. Damages estimated to $600.
Mel of Rancho Cucamonga CA (11/22/07)
I have 2 secured credit cards with New Millenium Bank. They are each secured with $2,000 cash. My balances are about $1,800 each. The high balances have a negative effect on my credit scores and also these cards have high fees. I want to get rid of these cards, but they tell me that I have to pay them off first and then they will send me my money in 3-4 months.
Elena of Temple City CA (11/01/07)
These people somehow got ahold of my banking information, checking & routing number and billed me $149.95 for a card I did not apply for. There is no phone # or address at which to contact them to dispute this. I Did NOT apply for anything with NMB.
As a result they made my acct overdrawn, which caused me fee from my bank and caused my bank to kick back a payment to one of my credit cards, which in turn caused me to be late/overdrawn on that card. It's a domino effect and not in a good way.
Paras of Bklyn NY (10/30/07)
New Millenium sent me a guaranteed approval, saying that if i sent them $37.50 not only would I get a visa card, but also a mastercard, both with limits of $5000. I haven't recieved anything as of yet ( it's been nearly 2 mnths )Robbing people of $29-$300 a pop adds up to fraudulent behavior & needs to be dealt with in a proper manner.
Christa of Murphysboro IL (09/14/07)
I had never applied for a credit card through New Millenium Bank before, but somehow they accessed my information from www.citicards.com when I applied for a card through them. They put my information into their computers but never had I applied for a NMB credit card, and they had it no where in their system that I had been approved for one. I was then charged a $99.95 setup fee through New Millenium Bank, when i had never even applied. I complained and I never received my money back.
I am only 18 years old and I have several bills to pay. Not only do I have a $445.81 car payment each month but also a $85.00 cell phone bill that I alone have to pay. I only make $235 a week, so the $99.95 taken out of my checking account to pay something that I never received, was a big loss to me. Obviously, NMB is taking money from families.
Allen of Bellflower CA (07/22/07)
Sent my $59 processing fee in 1/26/07 for a credit card still have had no answer. It is very missleading on the
forms All I want is my $59.00 back.
Because If they cash the check and keep the money and not even one letter saying well were sorry your not approved here is a refund. There just taking bank so what kind of Bank is that there making money off all the processing fee so there no better than those scam people out there.
Mr. Altamirano
Jeremy of Cerro Gordo IL (06/25/07)
I just recently got an credit card approval from New Millenium Bank saying that I could get two credit cards for $49 and I could it rush delivery $10 more. It said nothing about being a secured credit card unless it was in fine print somewhere I couldn't see it. So I sent the $59 for the credit cards and waited. Then a week later I got another letter from New Millenium Bank an another approval letter for secure credit cards, which was not the same letter as the first one, saying that I could get SECURE CREDIT CARDS for $59. So my first problem I have with bank is where is the first money I sent them. And the second problem I have with them is that this is just a scam to get $59 out of thousands of people or it might a fine-print scam which in my opinion is just a legal scam, but still a scam.
I am a 32 year old married father with three kids. I am attending trade school and only working part-time. My wife is the stuggling provider of the house since I'm only working part-time and attending school. My credit isn't in that bad of shape but not good enough to get a credit card. So when I got this notice from I was happy. I thought this was a Bank that was going to give us help financially while I was attending school, but instead it was a Bank that was there to hurt us. That $59 that I sent to this Bank could have spent on something else that could have been useful. And if I wanted a savings account I would have went to the bank in my own town.
Niva of Las Vegas NV (05/14/07)
I received an notification from New Millium Bank offering me a Visa card for $29.00 processing fee. They urged that it be received by them by May 5th
2007. I rusched and sent them a money order for $26.00 on May 2, 2007. I recently became concerened that I hadn't received my card. And now I realize that they are frauds. They are not going to send me a card. There is no customer service number to call. I've been ripped off. That doesn't feel good because I am disabled and cannot afford to give any con artists my money. I hope they get caught and burn in hell!
David of Richmond CA (04/02/07)
I received a call from New Millennium bank last June asking me to pay on my credit card balance of $450. I had never heard of this bank. I ordered my credit reports and discovered someone had used my name and SSN and phone no. (but giving another address) to get a card from New Millennium bank. I wrote that bank, explaining and asking to see a copy of the application for the credit card in October. It is April and they have not answered. This bank appears to be actively participating in the theft of my identity.
My credit score has been substantially reduced by showing this fraudulent debt, costing me increased interest payments on a $100,000 loan.
David of Enosburg Falls VT (03/13/07)
I was notified two months ago by First Credit of America stating that they were collecting for New Mellenium Bank. Reluctantly, I gave them my debit card information and they processed a payment in the amount of 100.00 (give or take). Last month, a gentleman from First Credit of America called me at home demanding another payment be made on this account or he would be sending a Sheriff deputy to my house. After arguing with the man, I refused to give anymore information or authorize any more transactions. I called NMB and learned that they had not received any payments from the collection agency and had not been conducting anymore business with them. I was instructed by someone at NMB to get a copy from my bank of the transaction for 100.00 which I did and faxed to them. That day, I called and spoke to a supervisor who informed me she would look into the matter further. Needless to say, I never heard back from her again. Today (3-13-07) I received two phone calls from NMB asking again for payment including the 100.00 which I previously paid to the collection agency who failed to forward the payment to NMB. I feel I have been a victim of fraud and hold the collection agency guilty of stealing money from me and trying to gain more.
My credit report continues to suffer and I am unable to purchase a house. I have had to endure countless hours of phone calls and harassment by all parties involved. This has caused me undue stress and mental stain.
Randy of 101 Saint Elizabeth's NY (02/05/07)
This place is using bait and switch tactics. You think you will get a credit card, but then they start charging you for everything. I would recommend you stay away from this place. One of the defenders said one of the stupidest things I have ever heard, I don't care how much money you have on a credit card, no one in their right mind wants to give away $35 to just anyone. I bet Kevin is really Carbon, or Sada or one of the other operators.
Jonathan of San Antonio TX (02/01/07)
New Millenium Bank sent via mail an acceptance form for a visa & m/c (guaranteed and approved No.s RLH YLZE & 118-2238-6188, respectively)) for $10,000 credit line. I sent in $59.00 for myself and wife to receive cards and my check was cashed on dec. 14, 2006, but have not received cards and have heard that this was a scam.
I am out $59.00 for the bogus processing fee
Mark of Anthem AZ (02/01/07)
Money was taken out of my personal bank account without proper authority. I sent a request form for cancellation, as requested by the bank, and the money that was taken out, was reported that it would be put back into my account in a timely manner, and it has not been done yet. It has been over a month, and nothing has happened yet. My Attorney is waiting to hear from me, as to what I want him to do about this. I hope this is resolved today, or I may go ahead and have him proceed with action, to get this done quickly. I hope to avoid this, but if it is not handled today, I may have no other choice.
I was very shocked, and most upset with this, and I was put into a strong negative situation with a creditor, as a result of money taken out of my account, wich left me with no funds to pay a bill. In fact, I had my power shut off because of this.
Ellen of Tempe AZ (12/17/06)
A few years ago I applied for a credit card through New Millenium Bank - it was a secured card. I paid $59. for annual fee and $500 deposit in a interest bearing account while I used the card. I received the card and used it, paid the bill promptly, and when I was done using it, I cancelled the card, and requested that my $500 deposit and interest incurred be returned to me. Prior to that, I had been receiving my monthly statements, saying not to pay anything, as I had a small credit on my card. So I decided to cancel the card and notified New Milenium of such. I sent a letter requesting my money bank and their response to me was that I had an account balance of over $500 on my card and there would be no refund. This was not true, I HAD NO BALANCE AND THEY LIED!! This credit card so called bank has committed credit card fraud in the worst way. They are criminals who deny consumers their rightful refund. I did not have any balance on my card, which was why I was able to cancel it. I was royally ripped off by this bank and I want justice in them returning my deposit plus interest. I have recently read many testimonials from other consumers who have been robbed of their money by this bank, whether they applied for the card, paid the money to get the card, and never received the card, not their money refunded. For a bank to not refund money, the enjoy the profit they make off us is a disgrace. I am hoping you can help me in this situation and help me get my money back. It's the only fair thing they can do. This is fraud on their part, pure and simple. Thank you in advance for anything you can do to get my money bank and report their wrongdoing to whoever handles this kind of stealing from innocent consumers.
$500 is alot of money - I could have used it when my electric was turned off or I could not buy fuel to heat my home.
Bottom line, I sent my deposit in on good faith that this bank was legitimate and they ended up being irresponsible. At any time in my life, especially when I was tempoarily unemployed, could have certainly used this $500. Basically, this bank owes me money and that's that.
Ginger of Kansas City, KS (8/4/05):
I received notice in the mail that I was approved for a credit card from New
Millenium Bank and for a $29.00 processing fee I could choose between a
Master Card or Visa credit card. I sent the notification and a check for
$29.00.
New Millenium promptly cashed my check but as of this date I have not
received my credit card. It has been 2 months.
Damages: I am the only wage earner in my family, we have filed bankruptcy,
and my husband has been recently disabled. We thought by applying for a
credit card we could re-establish our credit, and have a means of meeting
unexpected expenses. We are now out the processing fee and have no means of
recovering it.
Theresa of Evanston WY writes (2/26/02):
I just read a complaint on New Millenium Bank by a consumer who was offered a credit card by this bank and told it was going to cost her $300.00. I too had this happen recently. I received a letter stating that for $37.00 I would be able to get a Visa and Mastercard gold card. If I was not approved I would receive back double what I paid for the processing fee.
Nowhere in that offer did it say I would have to deposit $300.00 per card; had I known I would never had applied. I contacted them to tell them I had changed my mind. And informed them I still had the letter they sent stating I would get double back what I paid for the processing fee and the money order stub showing that I had sent the money in and I wanted it refunded. Whoever I spoke to told me I would not be receiving my money back and that there was nothing I could do about it. When I asked his name he told me it was none of my business.
Juanita of Mount Olivet, KY, writes (11/23/01):
I received a letter from the New Millenium Bank and it said I was approved for both a gold Visa and Mastercard if I sent in $59. I sent out the money and checked rush delivery on the envelope. I have waited since the eleventh of November and still have not received it. I would like to know why.
Shirley of Anchorage AK (8/10/01):
Sent an approval notice to receive Mastercard, sent my $29 for processing. Company cashed my check, haven't't heard a thing since. I am a senior citizen and would like my money returned. I have other credit cards and don't need this one.
Donald of Milton WI (8/13/01):
This company said they would give me a MasterCard for $35.00 and then stated I could get a credit card for another $300.00 deposit. They even have the second message otheirer automated answering machine states there is no refund. These people know what they are doing!
Mary Ann of New Brunswick, NJ, writes:
I was sent an application from New Millennium Bank and it stated that I can receive a credit card for $35. It did not say much in the application but since it said that it would refund my $35 if I was not accepted I thought I would send my $35 in with the application.
Well, they sent me a letter stating that I must pay $300 to open my account. It did not say anywhere in the application that I had to send in $300.00. I believe I was deceived into thinking it was a normal credit card and I would not have to pay more and I just think they should send me a refund.
I have sent them a letter about this and they did not seem to care or take me seriously. The problem is that I am unemployed and my spouse works and we live in an apartment and that $35 would of been very helpful to spend on bills that we have. If I knew I would not of received a credit card with my initial $35.00 and was expected to pay more I would not even have thought of sending in my money and application.
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