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Businiess name:
National Bank Card Monitor
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Review by:
citysearch c.
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Review content:
On 10/3, I received a phone call from Chad Walter a salesperson of this company offering to reduce my debts by transferring my credit card balances to a lower APR credit card. He told me they would reduce my debts to a 3% APR but I needed to pay them $999.00 upfront. He said this offer was given to those who had good credit. I told him that probably my credit was not good enough because at that moment I had a complaint with a bank due to they posted in my credit report a charge for a purchase that somebody made in 2007 under my name and it was under investigation and for that reason I did not want anything to do with that bank. Mr Walter said I would not have any problem. I told them that my credit cards were almost in the credit limit and I was not able to pay the amount he asked me to split the amount in my 2 credit cards by charging $599 and $400 on each cards. I agreed as long as he assured me that I would get that offer. Mr. Walter said that my money would be returned if they could not honor me the offer. I received a Payoff Strategy Table and called the company to let them know I received it. They told me an advisor would call me to discuss it. An advisor called me about 4 days later so we agreed to fill out an application for the credit card. Few minutes later guess what? I received a phone call from the same bank I told them I did not want to deal with, to verify my personal information due to I wrote an alert in the credit bureau stating that any transaction under my name needed to be verified with me. I was surprised to received a phone call from this bank, when I clearly told Mr. Chad Walter that I had that problem and did not want to deal with that bank. So I told the bank to cancel my application. I called National Bank Card Monitor back to explain them the problem. That advisor get mad at me and said that due to this problem they were not able to refund my money back. And even though I explained him that I talked to Mr Walter from the very beginning about this, he did not want to listen. I called again and talked to a Customer Representative and explained her the problem. They never called me again. I filed a complaint with the BBB and the Attorney General of Arizona. BBB HAD TO CLOSE THE CASE BECAUSE NEVER RECEIVED RESPONSE FROM THIS COMPANY. AND THEY NEVER GAVE MY MONEY BACK. THIS COMPANY IS A RIP-OFF. YOU WILL BE LUCKY IF YOU HAVE A POSITIVE EXPERIENCE WITH THIS COMPANY DUE TO THEIR RATING IS AN F IN THE BBB. BE AWARE THAT THIS COMPANY IS ALSO KNOWN AS PROACTIVE PLANNING SOLUTIONS AND E.L.H. CONSULTING, LLC. According to the Federal Trade Commission is illegal asking for money upfront. Unfortunately I found it out too late!!!
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