I received a card in the mail from 1 First National Card when I did not request it. I have not activated this card, I know that this company is a scam... My question is.. if I never activate my card, will they still be able to scam me? I have read reports of them withdrawing money from people's account when they never use the card. If I never activate it, will they still be able to do so?
2007-09-02 14:39:48 · 12 answers · asked by tan_yuh4112 2 in Business & Finance ➔ Credit
I doubt they will be able to withdraw money from your account if you do not give them you account number. Just cut the card up and watch for any unusual activity in your account.
You may want to check with your bank about this. Ask them what you can do to prevent any unauthorized withdrawals.
Good luck!
2007-09-02 14:49:11 · answer #1 · answered by claire 4 · 0⤊ 0⤋
You won't like this answer, but if it's not a legitimate lending institution, you will most likely never see that money again. It was probably a shell operation that has no legitimate address or phone number. Depending on how long they've been running it, it may have closed out by now and started up operating under a new name. You are not alone, I lost almost $300 years ago with a scam offering a blocking service for junk, advertising phone calls. I learned my lesson to never sign up for anything without doing your homework first and verifying you are dealing with a real business. Your only recourse, if they are still around, is to file a claim with the small claims court in the city listed as their address. You can most likely get the forms off the Internet (use Google and search the city government sites) and do it yourself. You do not need a lawyer. It'll probably net you nothing but at least you reported them. You can also call the Better Business Bureau in the same city and report them as well. I hope you have closed your checking account! If not, do it now!!!!!!
2016-05-19 22:23:52 · answer #2 · answered by ? 3 · 0⤊ 0⤋
First National is not a "credit card" it's a line of credit with a company, you can only use the card to purchase items from their company. The start up fees & annual fees can be rather pricey & use up most of your available credit.
It's not a "scam" though and it is a good way to rebuild your credit or start your credit if you don't have any. Any reports you're hearing of people getting charged, it's the consumer's fault for not reading the fine print. All fees are disclosed in the welcome packet before you activate the card.
As far as worrying if they can charge you, no, you have nothing to worry about. If you don't want it, cut the card up & throw it away - make sure to shred the application as well so someone else doesn't activate & use it in your name. I get these cards all the time and I shred them, I have never been charged so much as a penny for doing so.
2007-09-02 15:57:05 · answer #3 · answered by Solstice 3 · 1⤊ 1⤋
The best things to do is call the comapny and ask them about the card find out how it was sent to you. Also ask that the card be closed and ask for a letter confirming it. Then once you receive the letter cut up the card into little pieces
the next thing to do is to call the three major credit bureuos and put a fraud alert and you can also ask to be contacted when you apply for new credit. The three major credit reporting agencies are equifax, transunion and experian
2007-09-02 16:02:54 · answer #4 · answered by the secret fan and aikidoist 1 · 1⤊ 0⤋
Receiving credit even when not requesting it is not a scam, it's called pre approved card; pre-approved cards are given to those highly qualified individuals- they got your data according to their research from other institution. If you do not activate your card, your card cannot be used by anyone including you because it is temporarily block by the system. If you do not want your card and you do not trust the issuing company, I suggest you call the issuer company and tell them that you dont want to accept your card.
2007-09-02 14:55:39 · answer #5 · answered by breakwaters 1 · 0⤊ 2⤋
Now how could they do that, you did not order it remember so how can they have your banking information??
Cut it in to then put it in an envelope and mail it back to them with a letter stating you did not apply for the card.
2007-09-02 14:47:18 · answer #6 · answered by Anonymous · 1⤊ 0⤋
It is a scam. Do not give them any of your banking information.They will steal your money. Cut the card up in small pieces and get rid of it. Read the link below,
http://www.ripoffreport.com/reports/0/260/RipOff0260802.htm
2007-09-02 14:59:17 · answer #7 · answered by Ti 7 · 2⤊ 1⤋
sounds like a debit cash card (fake credit card) . cut it up
My bank tried that crap of sending the debit/VISA card instead of the cash card. The bank person said they were going to stop using the cash cards and only use the devbit / visa. I asked them how quick they could close all my accounts so i could take my business elsewhere
They changed their mind.
2007-09-02 14:58:48 · answer #8 · answered by Anonymous · 0⤊ 1⤋
Definitely send them a letter to close the account. Request written verification that the account is closed. When you get it, put it with your important financial papers -- just in case.
2007-09-02 14:57:09 · answer #9 · answered by bdancer222 7 · 1⤊ 0⤋
Cut the card up. Unless you use the card there is nothing that they can legally do.
2007-09-02 14:57:02 · answer #10 · answered by Flyby 6 · 0⤊ 1⤋