I was checking out credit cards and came to their site I started filling out the appplication including my bank routing number BUT when I got to the part about the 99.95 application fee I exited the site without ever clicking on the submit button. One month later and I was reviewing my bank staement and I have a charge on there for 99.95 taken out of my account plus a 35.00 dollar overdraft fee. I was furious but as it was a saturday afternoon I knew it was going to have to wait until Monday. On Monday I checked my account balance and the fee had been returned to my account and I thought nothing more of it until yesterday when I checked my account balance and found out that not only had next millenium charged my account AGAIN I now had 135.00 in overdraft charges and my bank account is 202.25 overdrawn! I have been trying to fix the problem for 2 days now. I am single and live from paycheck to paycheck and I have to keep a VERY sharp eye on how much money is in my account because not only do I have to pay my bills out of checking account I also have to be able to buy gas and groceries from that every week. I make little enough money as it is and now the overdraft fees alone are going to eat up 75% of my next paycheck. I have to pay rent and utilities and I'll have enough to cover those without overdrawing my account but I won't have enough to get gas to get back and forth to the job I so desprately need. I am so angry and frustrated right now. My bank is trying to help resolve the problem but suggested that I go down and file a police report. WHAT NEXT? I didn't know that companies like this were just allowed to reach into your bank account and take whatever they wanted out. What am I going to do? I am scared.

I applied for a new millenium credit card, like everyone else I wasn't thinking when they asked for all the bank information first. When I realized they wanted $99.95 to obtain the credit card I immedicately clicked out of that screen. I notified my bank on 12/09/08 but had to wait until it posted which was 12/10/08, now I have to wait for the fraude papers to arrive from the bank before I can get my money back. I called the numbers provided by some other poor scammed person and they would not return the money and nothing I said dented their thick heads. People need jobs but why work for crooked organizaations. I am also sending this to the attorney general for our state to have an investigation of their illegal methods looked into. Thank you to the gentleman who provided the telephone numbers. I printed that whole page and am sending them with the information. I'm only hoping they do not withdraw any more money but sincce that bank has knowledge then maybe they will prevent it.

Patty