On 3/30/09 I arrived home to find a nice, new NetSpend Prepaid Visa in my mail. This would have been fine except for one small detail...I did not apply for this card! I have no need to purchase a pre-paid Visa card as I have two perfect, zero balance unsecured credit cards. The letter enclosed said that one of their partners had suggested that me and my 800+ credit score would be a good candidate for their card.

I called their customer service line and spoke to "Gracie" who promptly asked me for the last 4 of my social security number for verification purposes. I asked her how her company came to be in possession of my social security number or any other personal information. She then proceeded to tell me, "I don't see your number here, we just have to ask the question." At that point I advised her that I was not stupid and I did not appreciate being lied to. I advised her that I did not apply for this card, did not want the card, and if I found that either NetSpend or Meta bank had run an inquiry of my credit I would seek legal remedy against them since I did not initiate any type of contact with their company. She advised me that the "account" had been closed and that she could send me a confirmation letter.

I asked if she could send it via email and before I could get my email address out....she was reading it to me! As of this posting I still do not have the email, but it has only been about 20 minutes. I plan on contacting the credit reporting agencies tomorrow and my Better Business Bureau. Stay away from this company, as their practices are scary at the very least.

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