Low Pay Card

I want my $79 dollars put back into my account by 10/01/08 or I am taking matters into my own hands the legal way. how can you just take money out and not verify you are a fraud. I have four children to feed and I don't have job right now and with economy the way it is you would do anything for a quick dollar. i am barely getting by and you just want to put someone in debt. I havent even heard or remember agreeing for you to take moey out of an account that is a savings account. I don't even own a checking account and it's people like you why I don't.Please give me back my money.tawn gottschalk

I did not realize they were going to go into my checking account numerous times and when I tried to cancel over phone was told I had to wait to receive welcome kit before I could cancel. Well, I have not received the kit yet and it has been 3 weeks since that conversation with a csr. After visiting their website, I discovered that I could cancel over the phone but was told that I could not do so. This card is a scam and I hope by writing this letter I can prevent someone else from falling for this scam.

Whatever they may imply, they are a buying club not a general credit card. This company has sent me numerous mailers over the last year. They are NOT capable of credit repair; the “service” is for overstock hard-to-move merchandise at astronomical prices- laptops, televisions, everything is easily double the cost at any of the other online prices I checked. The website prices are blocked to “non-members” . The phone representative refused to give prices, stating (with a colleague coaching in the background) that it was “competitively priced” name brand merchandise. Unfortunately, they did manage to entice an elderly, disabled neighbor into giving them her banking information, and she has had a very tough time getting her money back. For those of you concerned bout loved ones in this situation, I would recommend consulting with your banking officer. Also, the “refund” the agent promised was worthless since the 30 day refund is contingent upon return of the catalog and other materials, which did not arrive till a few days before the refund period expired. The letter is densely packed with hard-to-read fine print. The best answer to the question of legitimacy is probably provided by LPC, Inc, themselves. Simply read the fine print these people put on the back of their letter to get a good idea of where they are coming from, the lengthy "dispute resolution process goes into great detail about the rights and privileges of any poor soul unwary enough to do business with them The concluding paragraph sums it up nicely: : You understand and agree that you are A) hereby waiving your right to have a trial by jury to resolve any claim B). You are hereby waiving your right to have a court (other than the exceptions specifically addressed by this document i.e. small claims court) resolve any claim and C) you are hereby waiving your rights to join or consolidate claims with the claims of others, or serve or participate as a representative or member of a class making any such claims or in the capacity of a private attorney general in any lawsuit or arbitration involving a claim without written consent from us. What do they mean by claim? They define that as well. …claim refers to the broadest possible meaning and includes claims of every kind and nature including without limitation any and all claims, disputes and controversies arising under and relating to tort (including injury related to negligence or intentional conduct) contract or broken promises, common law or equity fraud, statute, rules, regulation, the Constitution including and without all federal and state disclosure electronic fund transfer retail installment account, debt collection, lending, privacy, warranty, insurance, service contract, product liability, unfair business practice, misrepresentation, unfair competition and other consumer protection statutes, laws, and regulations, examples of such rules include without limitation the Federal Trade Commission act, , the Electronic Fund Transfer Act, the Truth in Lending Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, the Electronic Signatures Act, the Fair Credit Reporting Act, the Credit Repair Organizations Act ,the Equal Credit Opportunities Act and regulations issued there under and equivalent state statutes, laws and regulations. The provisions of this section will survive payment, termination, or closure of your account or your bankruptcy. If any provisions of this section are deemed invalid or unenforceable, the remaining provisions of this agreement shall survive and remain fully enforceable, regardless of such determination of invalidity. They seem to be trying to pull off a legal "bait and switch", and protect themselves from any kind of accountability for their actions. Are they a scam? Probably. Do they get away with it? Most likely. This Beaverton, Or company hides behind a cloud or legal jargon, and based on their cardholder agreement, have little to offer people in need of credit or credit repair. And they have gone to great lengths to set up a system to get money from you.

LPC is suppose to "help" you with your credit? Yeah right.This company charges you $79.00 activation fee that is non-refundable,then tells you to pay a membership fee of $120.00.I you decide to cancel te card you will not be charged the membership fee. BIG LIE!!!! I asked them to hold the membership fee until my next pay day, they took it out anyway. Then the "manager" who says he is the "district" manager also (whatever) tells me I'm a liar and that I'm acting like a 2 yr old because I tried to tell him what I was told. And that I had a yearly membership balabce of $400 because the yrly fee is $900. I was never told any of that when I talked to the first representaive when I called after I stupidly activated the card.When I called on 6/11/08 to cancel my card I spent 3 rs on the phone getting cut off and hung up on.The "manager" called me a liar again. I called LPC several times, on hold for 15-20 mins a time and he called me a liar when I told him I could show proof on my cell bill on the minutes. I then asked the "manager" what his supervisors name was, he tells me he doesn't have one.Like that wasn't a lie itsself. His name is "Bob". To anyone who has a complaint on this company, your not alone. Call and talk to a rep. before you THINK about getting one of these cards and as far as them "helping" you fix your credit. Won't happen!

This company is very fraudulent. They also charged my bank account $79 and then $120. When I got the packet and called for a refund number I was told that my account would again be charged a membership fee of $198. I never asked for any of this. I just requested information from this company. I had to close my account out because of them. Customer service treated me like *** and told me that I did ask for the membership. And no, you can't cancel the membership at all. This company should be closed down for fraud! I am soooo pissed!

I recently opened an account with Low Pay Card. Low Pay Card is not affiliated with Visa/Mastercard, therefore they do not run a credit check, but when I opened with them I closed my account with them. Be careful about sharing your information with them or opening with them. They charged me a fee of $79 dollars which is nonrefundable. Therefore, eventhough I closed the account ith them they are still charging me. Like others are saying I look at them like used cardealers! They take your money and run! So my recommendation is Stay away from them! they are Thieves!