E.L.H. Consulting, LLC 'aka' National Bank Card Monitor
Complaint 54203 Details

On 10/3, I received a phone call from Chad Walters 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 upfront $999.00. 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 Citibank due to they posted in my credit report a charge of $811 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 Citibank. Mr Walters 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 was asking for, he suggested me to split the amount on my 2 credit cards by charging $599 and $400 on each credit cards. I agreed as long as he ensure me that I would get that offer. Mr. Walter assured me that my money would be returned if they could not honor me the offer. Then 3 or 4 days later and advisor called me to tell me the options they had to manage my debts, I told him I wanted to transfer my balances to a lower APR credit card. On October 29 I received a Payoff Strategy Table, something that I knew already and could do myself. So I called the company to let them know I received it and they told me they would tell the advisor to call me again to discuss it. The advisor called me about 4 days later so we agreed to fill out an application for the credit card. Few minutes later Citibank was calling me to verify my personal information about the application due to when the lady checked my credit report she found out that I had an alert on the credit bureau that any transaction needed to be verified with me due to the problem I had with Citibank about the identity theft fraud. I was surprised to received a phone call from Citibank, when I clearly mentioned to Mr. Chad Walters that I had this problem with this bank and I did not want to have anything to do with them. So I told the lady to cancel my application, then I called back to National Bank Card Monitor explaining them what happened. The advisor get mad at me and told me that due to this they were not able to refund my money back. And even though I explained him what I talked with Mr Walter he did not want to listen to me. I called again and talked to a Customer Representative and explained her the problem. I told her that I would not have any problem if they give me the option to apply for a credit card with another bank. She said she would see what they could do. I told them it was not fair not to refund my money that it was almost $1000 when I was very clear with them from the very beginning. I warned them that failure to return my money. They never called me again and did not return my money. Actually I reported them to the BBB and the Attorney General of Arizona.