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  • Deceptive Practices, On sept 8th 2016 i received an email asking me to check out my new offer that i was pre approved for. I filled out the online form and received an instant decision of a limit of 400 dollars as well as 19.99% apr and 45.00 application fee. Upon receiving the card, the offer had changed to a higher APR and a 75.00 fee as well as a monthly membership fee going forward the second year. This is not what i agreed to and refused to activate card. I called the outsourced customer service and spoke at first to a rep. unfortunately i did not write his name or rep number down. He told me it was my fault and i accepted the wrong offer. i immediately requested the card not be activated unless agreed terms were met. He then transferred me to supervisor Eddie rep # 76958 who proceeded to read a script and apologize again and again. When he could not resolve my simple request based on an offer the bank extended me and baited and switched to a newer less desirable offer. I was then transferred to steve 51243 whom all he did was apologize and say he can transfer me to corporate in the usa. I was transferred to Rep Wendy 2567 who explained again that it was my fault and i should have been more careful. Wendy said she could give me the agreed upon fee but it would be difficult to adjust the APR.I informed Wendy of my agreement of the terms with the proviso of no 99.00 membership fee she was unable to do so Whilst she was pleasant she was not very helpful. In closing i would like the offer originally extended to me, if not i demand confirmation of closed account wit no charges and a removal of hard credit inquiry from my Credit report. I think this was a bait and switch and i will continue availing myself of all consumer remedies available to me.
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