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Shelly of Ceredo WV (4/25/03):
Okay this company called me... Told me about the card, it sounded cool, but the $298 fee wasn't, so I told them I wasn't interested. Then they said they could take out only 9 dollars and some odd cents a month from my checking account. Well I was like okay, I can afford that. Then a few weeks later, I was paying my bills and a few of my checks bounced. A $10 dollar payment for my Maurice's card bounced!

So they charged me 25 dollars, and the bank charged me two times. Well I ended up getting charged more than that. Consumer First Financial took out the whole 298 bucks. I called about it. They could NOT find the tape that was used to record the conversation on. They said give us 72 hours, so I called back probably 5 more times. Still no tape. I have ended up losing almost 800 bucks over this. I have bank statements and everything to prove it all.

I eventually received the card. It wasn't even plastic. It was a cardboard type card. My name wasn't even on it, and member was spelled "membre". It said I was a "membre" since 2001, which of course I was not. No barcode or anything on the back, etc. And of all things, I had to order from their catelog only, could not be used anywhere else. And I had to make a down payment when I ordered. Is this a scam or what people?

RoShunda of Houston (3/24/03):
I was sent a letter stating I had been approved for $5,000 platinum card and to send a check/money order for $49 for express processing. I did so and the check cleared by the last of February 2003. One month later I have yet to receive the stupid card. I was hoping it would help me to rebuild my credit and that's the only reason I was getting the card. I don't think it is fair for them to take my money and not send me my card. I'm a single mother of four barely making ends meet. I need all of my money. After my marriage fell apart and my credit went down the drain I thought this would be a good start to help establish somehing for my family.

Marissa of Rochester MN (1/29/03):
I received some certificate in the mail with no phone number or web address. It doesn't even really tell me what it is. Just that I am already pre-approved for a $5,000 credit limit that I can use immediatly.

Last time that they sent us something we accepted it and they took out over $300 from our checking account. We never even received the card. When we tried to contact them we got this answering service and never a return phone call.

Robert of Middleborough MA (11/4/02):
A company called me about a getting a credit card with a limit of $2,500. This person required $250 up front from my account. I asked all the questions I could think to ask. We set a date which was Nov. 30th to transfer that amount from my account. After agreeing with this person he told me that he was only a salesman and had to switch me to another line to speak to a representative. The salesman then assured me that in I case I changed my mind that they would give me a telephone number on which to contact them.

I then got switched over to the rep. and he acquired the info. he needed about my checking account. He then hurried through their policy so fast that I could not even understand this person or the policy agreement. He seemed really frustrated when I attempted to ask questions. He then hurried through the phone number and before I could ask him to repeat it he hung up.

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