Express Platinum Card
Complaint 54699 Details

I was contacted by a female representative, telling me that I was approved for 5000.00 in credit through epc. I was told that all that I needed to do was allow them to withdrawl 99.00 from my checking account by the 6th of January and they would send the card to be activated once it was received. I asked if I could have this done prior to the 6th and she said sure. I was given a 800 number to call customer service in case I further questions. I was asked if I understood the conditions and terms of the agreement. I specifically said that I understood them as they were explained to me. I decided to contact the customer service line in order to confirm the information. I was put on hold immediatly and I then hung up and called back. Again, a male voice came on and placed me on hold. So I hung up and called again. After the third time Charmaine, supposedly the supervisor, answered and I asked why I was put on hold so much, and that I wanted to verify the information to make sure it was not only legit but that it was not a prepaid card. Charmaine, was extremely hostile while I was asking these questions and I asked again if she was in fact the supervisor, and that I wanted to speak to her supervisor. She said I would have to send and email to discuss any further information. She then put me on hold and the line was disconnected. I called back, a guy answered, I asked for the supervisor for Charmaine, and he put Charmaine back on the phone. I was furious. I explained that I did not contact them, they contacted me with the offer. I stated I was told to contact customer service if I had any questions, and I did not understand why she was behaving the way she was. She did say she apologized, and I explained that this was still not clear information. I asked what exactly was to be withdrawn. She then had to verify my information, before stating that the 99.00 dollars, in addition to a 15 dollar monthly fee would be withdrawn, but the card has a 5000.00 limit and no APR with a 5% payback. I then tried to ask her more about the company and the website. She gave me the website, www.myepccard.com. and the asked if that was all and hung up. exactly like that. I then went to the website to explore what was available on it, I was only able to see the 800 number and login information, which can only be accessed after the card is sent. After a couple of days I decided to go back to the website, and after typing in the link, I was directed to scambook, where I read about the same information given and that they never received the card and how it was a scam. I then contacted epc's customer service number today and at first it was sent to a voice mail. I hung up and called back, this time Charmaine answered and sounded like she had just woke up. I explained what I had read, and she put me on hold and the line disconnected. I called the number back, when given the option to connect to the affiliate office I pressed that option, and Maria, another represesentative answered. I was extremely angry and explained that I was directed the scambook and found that there were complaints about their company, and how it was being reported as a scam. I asked her if this was the case, only to be asked for my social security number. I told her I did not feel comfortable giving her any more information and she stated that they already had it. I told her, then why do you need me to give you the information. I asked why they would take from someone who did not have it to give in the first place, and the only reason that I had agreed to it was in order to repay outstanding debts. I then asked for a physical address. Maria only gave me Delaware as their location. I stated that if this was a scam that I would do everything in my power to make sure they would not be able to do this to other people. I told Maria, That this will not go unpunished. This will come back on everyone involved, and I hope that if this is the case that it happens quickly. DO NOT ALLOW ANYONE TO ACCESS YOUR INFORMATION. I stupidly gave my personal information and as of now I am out 99.00 because of it. DON'T LET THIS HAPPEN TO YOU. I noticed that the card has no official mastercard,visa, discover, or american express logo on the card shown on the website. BUYER BEWARE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!