|
ONLINE SCAMS
Actual
Scam
In mid
July my husband received a telephone call from a company called
Royal Credit Solutions. When I answered the phone the man
asked for my husband by his
FIRST NAME (he
goes by his middle name), I asked who was calling and he said
CCR. I gave the phone to my husband and said “I think
it’s a sales call”. I went on with my work at
the computer while he talked to the man. I then heard him
giving out his checking account info over the phone. I started
asking him questions: Who is it? Where are they located?
How did they get this number? What is their website? He pointed
to the piece of paper he was writing on and said that they
were giving him a Visa with a $2500.00 limit but that he had
to pay a fee of $296.00. I balked immediately and pushed him
to get information from them. He got the full name of the
company, Royal Credit Solutions, and that was enough for me
to start searching the net and the BBB for the company. I
couldn’t find ANYTHING
relating to that name. Their location
was in Las Vegas NV and the guy on the phone said they didn’t
have a website.
My
husband asked them how they located him and they said that
he had applied for a credit card with them.
MAJOR ALARMS WERE GOING OFF
NOW! I had been applying
for credit in hubby’s name because the poor soul has
NO credit BUT all of the applications I had completed were
ONLINE and this guy just said they had NO website! He had
already given out the checking account information and drivers
license number so we were already screwed. They were sending
him a Visa credit card with a $2500.00
limit and only 9% interest.
The instructions were to go to the ATM
and pull out the $296.00 and deposit it into the checking
account. Royal Credit Solutions would then do an ACH draft
on his checking account for the $296.00. He fell for it, hook
line and sinker as many others have done as well. I called
his bank and informed them of what had just happened. The
rep I spoke to looked up all the info she could on the company
and couldn’t find anything either. She noted the account,
and we gave her the date that the draft was to come out. The
date was August 10th, 2003, I checked online every day to
see if the account had been hit. We pulled all of our money
out so it wouldn’t clear, but we needed to watch out
for it. On August 14th, 2003 I got online and saw a NSF fee
for a charge that occurred on August 13, 2003. I knew this
was it!
WHEN YOU GET
SCAMMED.......
.......YOU THEM HAND MONEY
The
draft was for $296.00,
WE NEVER RECEIVED THE CREDIT
CARD BY THE WAY! The
rep gave us the transaction ID and the name of the company
that processed the draft. She also researched the routing
number that the draft was supposed to go to and it was a Bank
One institution. Our bank credited back the NSF charge and
thanked us for notifying them. I looked up the company Teledraft
on the internet and found http://www.teledraft.com. I wrote
a REALLY GOOD letter
to this company informing them of the illegal activities Royal
Credit Solutions were involved in and demanded that they DELETE
my husbands account information from
their system and cease any future drafts. I also informed
them that they could be held liable for these fraudulent activities,
and I gave them until 5 p.m. that same day to contact me.
Soon I got a phone call on my cell phone from a private number.
I answered it and it was a man named Clayton Clark. He didn’t
say what company he was with, but stated that my fax had ended
up on HIS desk and he was going to handle the situation. So
we were reimbursed for the money and we ended up having to
change out telephone number (Fair
Credit Movement).
|
