National Platinum

National Platinum Took $99.95 from my Checking Account without Permission; stated that when I applied for the loan, I accepted the terms. Internet *E

28th of Jun, 2011 by User341809

Here is the letter I emailed National Platinum... I researched through the google website to rebuild my credit. I visited this website; http://www.creditcards.com/bad-credit.php. Somehow, you received my information and processed an application. I never accepted your offer for a membership. Furthermore, a line of credit for products is not what I desired. There were no intelligible terms given to establish a sufficient offer. Moreover, any offer not accepted at the time of the loan should be deemed rejected, AND not accepted. However, on June 27, 2010 - National Platinum through Public Savings Bank debited my account for $99.95. This is unacceptable considering I never accepted your offer.
I spoke with Brenda and R.J. Ford at your customer service number. I was informed that my only two options were to cancel the membership (without a refund) or file a police report for fraud. I have filed a police report with the San Diego Police department and I have closed my bank account. However, it is unclear how a company can believe that they are well within the law to defraud individuals by failing to provide the terms of a contract and then subsequently fail to receive an acceptance of those terms. Moreover, how a company can hold a person to be bound to those terms.
I am filing a law suit against National Platinum and Public Savings Bank. I will be contacting an attorney to determine if there is any evidence of you practicing this type of business with other individuals so as to determine if this should be a class action suit... Is anyone interested in taking these people to court? If I can get at least 100 individuals then I will do the leg work. Please respond to this post. Thanks!

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