What to do about a credit card and 16 year old

It could have been an error. Did your son apply for the card?

They asked me that and then they asked me for more of his information. I know better than to give them that. I had asked if on the on-line form, they ask for the persons birthday and they said yes. But the computer must have missed that he was under 18. So how many more under 18 has their computer missed.

I will be talking to him about this when he gets home from school today!! If he did I will do some major butt chewing lol.

That is horrible. I would report them to the BBB anywayz.

Well if he filled out an application, even if it was just for fun, and put his age at 18 there is not much the company can do.

Now if they sent it out with nothing requesting it then file a complaint.

FYI I got one over the weekend as well. I opened it yesterday and was like what the heck is this. It is from netspend and it is a prepaid visa card that you can load or have your paycheck direct deposited to.

I destroyed it and put it in the trash. I was not going to waste my time calling them. Its worthless unless it is loaded.

Good info Kf.

HOLY SMOKES!

Netspend must have been pretty busy lately! I got one of those cards this past weekend too. When I got the envelope, I opened it immediately, because I had no idea why I would be getting a CC in the mail. With my credit tanked the way it is, there was not way I would have been approved for one. Plus I had not applied for one.

When I saw it was a pre-paid card, I laid it back in the stack of mail and meant to call about it on Monday. Of course, I forgot about it until I read this post!

Now I'm really curious what the story is behind this. Has anyone else here gotten one of these cards?

I'm going to call them Tomorrow, Thursday, and find out what the deal is on this, I'll let you guys know.

'm going to PO'd if they have my SSN!

I got the same card yesterday! And they really thought I'd have my paycheck turned over to them? I was born at night, but it sure wasn't LAST NIGHT!!!!! I shredded it - card and all. I think these companies are getting too bold!!! My advice would be to Run Forest Run - far away from that scam!

Yeah, I already have a debit/check card with my bank, the same bank I already have my paycheck deposited into! Why would I start sending my check to some card I receive at random in the mail?

Crazy!

Man, my credit sucks so bad I did not get one.

Not sure if that is good or bad...lol

they must be doing a promotional thing like "This is not a real card" type thing until you fill out the application and send it back then we'll send you the real one? I've gotten some of those "Fake" CC in the mail. Not necessarily netspend.. but

puddlejmpr, how in the world did you get to the point of talking to a live person on their VRU? I've tried several times and keep getting a "try again later" message, and the get hung up on. I chose the option to "speak to a CSR"; however, the VRU asks for the card number and when I enter it, I'm told I need to activate the card before I can talk to a CSR.

I do not want to activate the card!!!

beli2005, this appears to be a legit card, not one of those promotional offers. I've seen those types of cards before and the account number is usually something like "1234 5678 . . . " It has my name on the card, a true 16 digit Visa CC number, and other personal information on the mailer. I've done some Googleing and I am seeing where people have mentioned this company has their SSN, which really irritates me!

I think the best thing for people to do about this is to start contacting their state attorney generals office about this. If they start recieving enough complaints about them they will investigate them and hopefully put a stop to it all.

I always keep hitting zero until I get a live person. Many companies are figuring this out and changing the prompts to contact a live person, so try 0 the first time then if that doesn't work keep trying a different number until you do get a live person.

Yeah, well the "0" thing didn't work for me either. I finally chose the option to report the card as lost or stolen and got a live person. Albeit a live person with an accent that probably didn't understand a thing I was asking or saying. I'm not sure she was from India; I didn't recognize the accent.

She did say, after I asked like 5 times, they don't have my SSN information and it wasn't part of the verification process, so I feel somewhat better about that. I told her I wanted to be removed from any and all future mailings from their company and she advised me it had been done.

We'll see.

Good advice, BTW, smckaybiz! I did call the Florida Office of Financial regulation about this and was advised to file a complaint. So I would suggest everyone else do so with their own state authority that might handle complaints like this.

I know it took a LONG time to get a person. Then I ended up calling back and when it asks if you want to sign up to get a card you end up getting a live person. I never gave them my info I just started right away with take his info off your system. Then that one transfered me to someone else.

Yep and both people I talked to had that accent. And if the company is in TX their accent wasn't a TX accent.

I also talked to my son and he did not sign up for anything. So how the heck did they get his info?? I am going to file a complaint asap. Something just doesn't seem right on this. Plus even though it is a prepaid card they still shouldn't be sending them to minors.

Absolutely, puddlejmpr, not only should they not be sending them to minors, they shouldn't be sending them out unsolicited either!

I asked her how they even got my name and address and got nothing but evasiveness. I wasn't sure if she just didn't understand me or didn't know the answer to that question.

LOL! Yes, it definitely wasn't a TX accent at all.

Funny thing, when I talked to the guy at the Florida Office of Financial Regulation, he said they were registered with Florida; he had them on file. I asked him if they had a number for them and he said they did and gave me the CSR number I already had. I told him good luck if they had to call that company using that number then because it was going to be a big headache!

Well I guess they heard me say I had not got one because I got one today in the mail. :roll:

LOL!

I'm sorry, it's not funny, but it is.

:lol: That is funny

Oh wow are they reading our posts.. :lol:

I hope they are...


Hey guys I got your card in the mail. I prompty cut it up into little pieces and threw it the garbage. I am glad it cost you money to create that paper work and card plus postage.

You must like throwing money away! :P

I got one of these cards in the mail a couple of weeks ago and I just opened it today to see what it was. It said I was referred by one thier partners so I wonder if they got my info from something I applied for awhile ago..(PDL perhaps) No clue. I checked out their website and it doesn't seem all that bad, it's just strange they send them to people without them asking for it. I don't need it so I just threw mine in the shredder here at work.