New Millennium Bank

I have had a New Millennium Bank Platinum Visa with a $300 limit for 3 years. Till 2010, it was a good card, but in the past few months, the available balance has been getting updated to incorrect amounts when I check online. Also, the available balances would change on their own out of the blue without any transactions by me. My last automatic payment took $253 out of my bank when I owed only $99. Now it shows an over credit amount of $154 over my maximum credit limit and said I had an available credit of $200.

Then a couple of days later, it decided to change that to $47 available credit, but still show the over credit of $154 where credit limit is shown. The whole thing is out of whack and I haven't even used this card in a couple of months. This is all happening on the bank's end for some reason. Either someone at the bank is messing with me or their computer system is really messed up. The card is unusable till they fix this. FYI, no one is using my card because no transactions are showing up that are not mine just to let you know.

I opened a prepaid credit card and sent the initial deposit of 500.00 as prescribed. Subsequent deposits were made erroneously on my part, to the payment address. Three "payments" totaling 3,000.00 in one week apart in April and May 2010. Only 1,000.00 has been posted. So the statement reflects an account balance of 1,000, in other words a credit and a credit limit of 500.00 (i,e, Initial deposit). May statement reflected the missing 2,000.00, subsequent statements (June and July) however do not. I talked to customer service and subsequent to the "Credit Dept." twice, was told of 10 business days to appear as deposits.

I countered that it had been 6 weeks since the last deposit. When I received the statement of July with balance of 1,000.00 and credit limit 500.00, I sent a letter detailing all the money sent with check images also detailing when said checks had been cashed. I argued that there had been ample time to transfer from the payment account to the credit (Savings) account as I had requested via phone twice and via letter which the bank acknowledged in writing to me. I got a call at home (message) from somebody at the "Credit Department". I have called the number today ( 07/30/2010) and the "I am away from the desk" message comes on. I called every 5 minutes three times with the same result: voice mail. So I again called customer service, they informed me that my contact was at a meeting.

In conclusion, this is the case of an institution using administrative red tape, business practices that leave much to be desired that impact the client most adversely, and I strongly advise any consumer to deal with this bank. I expressed my desire to cancel the account altogether and get my 3,500.00 immediately. I was informed that it would take 8 to 10 weeks to get the money back. Ludicrous, abusive and malicious. I opened the account for spending money, restaurants, tours etc. for a trip to Mexico on the last week of June. With a credit balance of 500.00 on the card I was noticeably embarrassed when a dinner (I was with my family) being over 600.00 charge was declined, evidently.

Fortunately, I am not in a position of desperation that I would need my 3,500.00, but I imagine other consumer with a lesser acquisition power, would be put in dire straights. Now in 2 weeks I am going to Europe with my family again and would like more discretionary spending money, and they tell me that it would take 8 to 10 weeks. This business practices are totally unacceptable. I would like to broadcast my experience all over the web, and I may do so using the power of "You tube".

I applied for a secured credit card in April 2010 and had to pay a $99.95 processing fee. I did not receive the welcome kit I was supposed to receive. I called today because I have not received a welcome kit and was told that there was a suspension placed on issuing new cards or accepting deposits because of the new credit card regulations, that this started 2 weeks ago and that it would be resolved soon, but that there was no specific date the cards would be issued. I googled it afterwards and found out this has been in place since May 10. I am not expecting my card, a refund, or the suspension to be lifted.

I have a New Millennium Bank prepaid card. Everything has been going good. Until, 6-30-2010, when I made a deposit and on 7-1-2010, I made another deposit and for some reason I only received one deposit I made. I have not receive the second one. I called customer service on the back of the card and they said it would be there at midnight. Well I still have not received it and they are closed. So I called Wal-Mart were I got the money gram from and they said call Western Union. They said it was posted the same day it was deposited on both but they also stated to call the company. Well the company is closed until Monday at 9am. I still have my receipt show when and what time I sent the money. From this happening, I don't have the money I expected to have available.

I was pre-approved for a credit card with the premise that I must first send a processing fees. My check was cashed and there was no card. I have waited for over two months now.

Back in February 2010 I was afford a preapproved Platinum Credit Card up to $10,000.00. I sent the required amount of $35.00 on 2nd February 2010, Check #107, before the dead line of 22nd February 2010. I have never received an credit card or an communication after I send the check. It is NOW the 27th June 2010. Where is my card or where is my refund? Is this bank another scam bank?

I applied online for a Platinum Card. I was informed that I just needed to send a money order for 99.95 and my card would be rushed to me. No where on that application did it state that this was a prepaid card of any kind. I still have my money order receipt showing that I sent it 3-30-2010. It is now 6-11-2010 and I have received no letter, email, or correspondence from them. I emailed them a complaint and received no response and the several phone numbers that I have used to try to contact a rep haven't worked.

I send a money order for $35.00 dollar for processing fee, I want my money back. The bank is a scam. Please send my refund back.

I saw on ask.com that a lot of people made a complaint with this company with regards to their fraudulent credit card offers. I was actually shocked as to how many people got taken by this company including me, I was just writing to offer a solution. For me personally, I contacted the better business office in new Jersey and they helped me. I got my money back within two weeks of being ripped off. Just a solution, I thought you may offer to people like me who have got taken. There are solutions out there. Thank you.

I received the letter almost a month ago, and when I read it I was happy of course, excited. So I sent them 35 dollar plus rush delivery and still no card. I do remember calling the place before I even sent the money and the guy told me that once I sent the money for the card and my rush charge that it would be mailed within 24 hours, once it got to them first. My rush delivery has been gone, I'm still waiting on this card that will probably never show up. This would of been my first credit card but now I don't know if I'll ever want one. I used that 45 dollars to buy that card and I don't even have food. I'm on my way of eviction because of this because I figured that I'll use my money to go grocery shopping, then use the rest to get the card and when the card comes in I'll pay the rent on credit. Guess it didn't work that way. I mean I needed that little change for lots of other reasons than for it to go to waste and me in the hole. Now what am I gone do.

I ordered their offer for either a choice of two cards or for one VISA/MasterCard and after about 6 weeks I heard back from them. How I can manage my credit through these credit cards? Well, maybe they should be a bit clearer and put that in bold because they had it in small print. And, yes, I was stupid to believe it but what can I say? I'm only human.

Anyways, I finally heard back from them and they wanted me to sign more paperwork and send in more money. Well, here's the thing: I didn't. And they can keep the start up cost of it all but I did email them and they took me off their list and cancelled everything. Here's their info if you need to get them away from your money or time: New Millennium Bank's Customer Service Department's phone number, 732-**; office hours, Monday to Friday (8:30 am to 5:00 pm EST). I hope this helps everyone and they did correspond the next day. Thank you. I lost my money but I'm glad they only took $35 and not anymore.

Keep all records of your conversations with them because you can use it if they cause you anymore trouble but emailing will be best since you can cc your response and theirs as documents that won't be considered hearsay!

I went online to apply for a credit card so I can try to pay off my other credit cards and just have one credit card bill so I can clear up my credit. I was approve for $5,000 to 10,000 online but I had to give them my bank account information and they took out $99.95 from my checking account but I didn't get my credit card for the amount that I was granted. So I would like to have my money back from New Millennium Bank and to put it back on my checking account. I won't stop until I get it back I'm on a fix income or send me my credit card that I was approved for $5,000 or $10,000.

I received by mail telling me I had been exempted for two credit cards and to send a one time processing fee of $29 for a Visa or MasterCard, or I had the choice to send for them both, saving me a total of $20. Each card would have a credit limit of $5,000.00. As I needed the money, I thought my prayers have been answered. My father is very ill and not expected to live much longer.

This was my chance to see him one more time. I really could not believe that I could now get a plane ticket. I wanted to spend a little time with him before he passed on. This line of credit that was promised never came. They took my money and won't answer my calls. They have left me heart broken and my father too, as he was looking forward to being with me. I thank you for breaking both our hearts. I am sorry for all the people they have brought pain to.

I have no job. I gave it up when they said I was exempted. Now, I am losing everything I own, including my 2 dogs.

I am so sorry to hear about your losses. I got the letter in the mail offering $10k with sending in $35.00 app fee. I called the number on the ITR. It sounded like a kid running a gas station, not professional at all. Then I Google and saw all these terrible anecdotes. I wish I could help you all. I'm only one guy. I almost sent in $10,000.00 in cashier's check. Thanks for helping me not make the same mistake you people did.

This card is the biggest scam. I can't believe our government can allow this to happen to people who already are having a hard time making it. To turn around take money out of a person's checking account with hopes of getting available credit to consolidate other credit cards with high interest. I never received a card, only fees on my checking for a scam. I'm still trying to reach someone who can help me get my money back .They either change their number or don't answer the calls. This should be illegal. Aren't people struggling enough?

I had cancelled the $59 in fees after I stupidly sent my check in the mail after talking with a representative. I was relieved the withdrawal would be cancelled. Two weeks, later it wasn't. One check was short in my bank so I got a fee of $25 which set the next four bills to be aid insufficient. All together I was $121.63 in the negative and that don't include the fees to the merchants that should have gotten their money the first time. I'm going to be behind in bills for two months because of this. How can the government allow this to happen to people?

I was sent information for the "credit card" they offered. I filled out the general information that they requested, but once I read the terms of the card I closed out the webpage. I was not interested in the product because I felt it was a scam! Fast forward a month down the road, they have drafted out $99.95 from my bank account with a generic check number causing me to have $100 worth of overdraft charges. I need help after trying to work with the reps for the company and sending emails, faxes, and phone calls. I keep getting the runaround! If anyone has information to help me get my money back, please let me know! I have a husband that is laid off, a one year old that is about out of food and bills to pay to keep the power on and a roof over my family's head. The unethical business practices of this company is putting me in danger of not having money to buy formula for my child or gas in my car so that I can get to work!

I applied for the credit card from New Millennium bank on April 5th 2010 and feel that the advertising is the rip off, not the card. Although, I still want my refund because it is the principle that because I have no card, I want my money back that I spent to purchase the card which I did not receive due to false advertisement. I'm still awaiting my refund from the refund department and here it is April 13th 2010. I'll give it another week before action is taken because this causes emotional distress and takes time out of my daily life routines to see if New Millennium will refund what is mine!

New Millennium Bank advertised an unsecured credit with an $99.95 application fee to re-establish bad credit or for no credit customers. I filled out the online application on March 9, 2010 and the bank debited my bank account for $99.95 on March 11, 2010. It has been a month, and I still haven't received the credit nor any other correspondence from New Millennium Bank.

On Sunday, March 28, I made an online application to New Millennium Bank for a credit card.. After checking the details, I cancelled when I realized that this was not a genuine credit card but a prepaid card. I contacted New Millennium Bank and requested a cancellation. They went on to make a deduction of $100 on the 30 -31st of March and on 1-4-10 respectively. I again contacted the bank and haven't had any of my money refunded to date. I have written three letters with no response of refund.

I just received today in the mail this thing, saying I am approved for 2 credit cards for up to 10,000 limit on them. Well basically $5000 on each card, they just want me to send in the fee of $35 for 1 card or $49 to get both! So I'm thinking okay, I could definitely use this plus it will help out my credit but at the same time it just sounded too good to be true! So I googled it and saw this. What a ripoff!

I have come across a different number for New Millennium Bank where you can speak with someone. Good luck to all those who got ripped off.

I called about the credit card. They took my $99.95 and never received the cards. I called them and they said they will send me a letter. Please don't get caught up in this, it is a scam to get your money, you will never get a card. I am out of $99.95, money I could have used for my medicine.

I got an offer for a credit card. I told them no thanks. The next thing I know, they took $99.95 from my bank. They used a blank check they made up. They left no address, no phone number. I had just put money in the bank to cover a check to the IRS left not enough to cover it.

I received a letter saying I was approved for 2 credit cards. I sent the processing fee and they took $99.95 out of my account. I have not received the cards or a response to my emails. Well, my account was overdrawn and that money I sent is gone while my 3 children and I are living on a fixed income of $290.00 a month. I thought this would be a good way to build my credit because I have none. Now, I can't cover my bank fees for my account being overdrawn and my rent check bounced.

I got a letter in the mail saying I was approved for 2 major credit card. T?his was three weeks ago. I haven't received any cards. No one called me; I need my money back or I'm suing them.

I got a letter saying I was approved for a credit card with $5000 credit line. All I have to do is send them $35 for processing. I paid them directly through my account. That was almost 2 months ago, and I haven't heard from them again. I am trying to build a credit; that's why I want to have a credit card. The money I gave them is a hard-earned money. They should be held accountable for what they are doing.

I was charged $99.95 on my checking account and I can't even find any phone number or any address to contact them to fix this problem and get a refund or a cancellation of this service! My bank charged me $28.00 for an overdraft fee because the money was not in the account that they took out!

I have been rebuilding my credit and realized I have a pretty good score now. So I received an offer in the mail from Millennium Bank saying that I was approved for two credit cards for a total of $5,000. I sent in $48 for two credit cards. It has been two months now and I have heard nothing from this so-called bank. I think they stole my money. Well, the $48 I sent them was for food for my family. I am also in the military and we are on a really tight budget. My family struggled for those two weeks I didn't have the money. This bank really is hurting innocent people. Please help.

They send me an application for a credit card and it did not have any warning or printing saying it was a secured card for people who need to rebuild their credit as I do not. So I sent them the $48.00 in mid December and now I want my money back.

New Millennium Bank took $99.00 from my account and I got no card or anything in return. Now, I'm broke and my kids are hungry and I don't get paid for two weeks. Thanks a lot.

Well I got this email about different cc and I looked at New Millennium and thought it was a good idea. So I applied for it and I used my debit card to pay for the fee. They took out $99.95 two weeks ago so that they can process the cc but now I have to put $300 on it so that I can use the card. Today, they took out another $99.95 from my account and I don't know why because I know it was taken out of my account two weeks ago to be processed. Now I'm very upset that they didn't contact me to let me know they were taking this out of my account. This Millennium Bank is just a fraud ripping off people & their money! It's spam/fraud!

I would like my $35.00 returned to me that I sent almost two months ago. My address was given but I have not heard from anyone. Please send my money as soon as possible. I was misinformed by their advertisement.

I applied for information on credit cards. They sent me information stating to send them $300 for 300 credit. I thought a bunch of crap. I threw the paper away. Next thing I know is $98 is gone out of my bank and tried to take another $98 out. But I had no more funds. So now, I'm broke for two weeks. Hoping I would get it back from my bank.

I applied for a credit card to help rebuild credit. My checking account was withdrawn $99.95 from New Millennium Bank and it's been a month and I have not received a card from the company. I called eight times and no one answers the phone. I have emailed them about a refund and I received no response.

I sent a check for $29 for a credit card on 12/24/09 and still have not received anything from the company. I called the telephone number on the website and all it does is ring with no answer. I had to borrow some money from my parents just to live.

There is nothing wrong with this bank or its cards. There is something wrong with the idiots who think they "did not receive" a card they paid for. Maybe, had they have read the agreement and sent in their money for their secure account, they would receive their card. Do you, morons, know what a secure card is? Look it up. This bank is great for those who need credit help!

I received a letter from this bank saying that I was approved to received 2 credit cards for $49.00. As I started reading more about it, I didn't know what to think. It sounded too good to be true. I decided to go online and read more about this bank. Thanks to the personal experiences from these people, I'm not another victim.

They sent me a letter through mail saying that I had a $5000 line of credit and just to send $55 for it and in 2 weeks I would receive my card. Well, I mailed that out on February 6, 2010 and all it cost me $76.00 to mail it through the post office. At that time my husband is on unemployment and that was part of our savings money and we actually believed this bank, and we were relying on that card to at least keep food on the table and for what, for nothing. We just to come and find out they are scamming out people for their money. Now this will lead me to believe I can't trust a bank, never in my life.

I haven't heard from the bank since I mailed my money order approximately one month ago. I spent approximately $35 to $45 including rush delivery fee. I have my money order receipt. Have enough claims been filed for me to initiate a consultation with an attorney to determine if a class action case may be explored against New Millennium Bank? Do you know how many claims are required to initiate a class action case?

I received a letter/application guarantee for two credit cards, one M/C and one Visa. If I send 49 dollars, I will receive a minimum credit limit of $300. No credit check. I sacrificed the well being and caused hardship for my family with no food for 2 weeks in that this credit would help us.

The New Millennium Bank is very misleading! I received a "pre-approved" letter and so I wanted it, I mailed it out along with a check for $49. About 2 weeks later, I received a letter asking for additional deposits of $300-$5000 so that they could issue the credit cards.

When I emailed them asking for the refund of my $49 because I was no longer interested. Weeks later, "FRD" emails me back stating that it was a processing fee? (non refundable).

We'll just want to let you all know that's interested in this Millennium Bank credit cards, don't fall for them! Other credit cards company will process your application at no cost whether you're approve or not. They'll even send you a letter and let you know the status. This bank only wants your $49 then ask for additional deposits. They use your money to invest, then tells you that you could closed your account anytime along with your interest. Wouldn't it be smarter to open a savings account at a reputable bank? There's no charge plus they'll give you interest too.

Received offer in the mail for $5000 line of credit on card and asking for payment of $35.00 for processing. Check cleared my bank 12/10/09. No card has been received nor reply to my inquiries.

I received or rather, my 6-year-old son received a platinum credit card approval letter in the mail today. Do they even do any sort of checking on the age or anything of who they send these to?! I am extremely ** off. I want to know how they even got my son's name and information to send it to him in the first place! It makes me wonder if his identity has been stolen or something.

I am a teacher. I received an offer from New Millennium Bank that said that Visa and/or MasterCard credit cards were available for a fee, and that a "rush service" was available. Since I had a large co-pay to pay for oral surgery for my daughter, I decided to pay the fee, go ahead and get both cards offered, and pay the rush service fee. The advertising sent by New Millennium Bank was misleading and dishonest. It said, in bold print, that these credit cards were available without a credit check, and that it was 'simple' as sending in the fee. On 1/8/10, I sent a cashier's check for $59.00 to New Millennium bank for both cards and a $10.00 "rush service" fee.

When I did not receive the cards in time to qualify for any kind of "rush service", I contacted New Millennium bank. At first they did not bother to reply. When they finally did reply, I was told that 'of course they cannot offer an unsecured credit line' and that I would have to deposit in their bank the amount I want to have in credit. This is NOT what the advertising led me to believe. If I had known that, I would have never sent them any money in the first place. I demanded my money back, and I have today received an e-mail from FDR at the bank to say that they have not received my application. I do not believe that. I sent it first class from the main post office in Santa Fe on 1/8/10.

They also told me to stop payment on the cashier's check. When I called the credit union, they told me there is a $20 fee for stopping payment. Why should their dishonest and misleading advertising cost me $20.00? What about truth in advertising and individual's rights not to be misled by this type of advertising? I hope you can do something to hold this bank accountable for their actions.

The consequences have been a lot of inconvenience in terms of both time and money. In addition, since it was essential that I pay the co-pay for my daughter's oral surgery, I am now one mortgage payment behind. If I had known that I was being deceived, I could have tried other avenues to get a loan. As it was, the surgery was already scheduled, my daughter, who is 19, had arranged to be off work, and the dentist said it was absolutely essential, so we went ahead with the surgery while not being able to pay our mortgage.

I applied online for a credit card. A day later, I contacted someone and told them I did not want the card because they were going to charge me $99.95. This morning I went to my account and saw the deduction taken out of my checking account. This is a racket and the Better Business Bureau needs to get involved ASAP.

I was charged $99.95 to my checking account for an activation fee for a credit card I never received. The money was in the account but I couldn't get my wife's diabetes medicine.

I was advised last year by my broker, whom I was trying to get a home from, to get the card to get a higher credit score. I sent them 420.00 that was an annual fee plus app. fee then I didn't get my card until 8 weeks later. I had only a line of credit of 300.00, they charged me 59.00 from the start when the card was adv. then I had the rest. When I asked about the charge they said it was a one time annual fee, which I had already paid. So I paid the card off through online banking which was another fee because they don't take checks, money orders, debit card, or other credit card payment. The only payment is by money gram so I did not like the payment method so requested my money back last Feb.

I was told I had to wait for my annual date to get a refund then was charged other fees. In June, I got those taken off and requested a letter of balance that was zero so I would not have a problem getting back my cash. I never got it, got a new card two weeks ago and called to request a money back. I was told I would get it in 8 to 10 business days with a letter of request of my acct begging closed so fax the letter. Today I got a letter, it said I would not get my money for 10 weeks so I called them and was told that there were processing methods. I will call and write as long as they have my money, someone needs to do something about this company. This is not a good company for anyone to be involved with.

I applied for credit card online. They deducted $99.95 from my account. I never received the card.

New Millennium Bank as with any secured cards may charge outrageous fees and interest. But it is a secured card and people like me need one. Without New Millennium Bank, I would have a harder time fixing my credit. I even get denied secured cards at some places. A secured card is where I fund the credit limit. New Millennium Bank isn't doing anything that bad. They provide a service and I am willing to pay for it.

Try reading sometimes people. People don't read anything then cry. It is a secured card and a decent one at that. Plus, they accepted me and now I can show a credit line on my credit report. People aren't very bright at all.

Services offered not compatible with my need. I don't need a secure credit card with those many fees. I'm requesting a refund on the check for $99.95 from my account at TCF Bank in St. Paul Minnesota. Stop requesting for many more funds from my account.

New Millenium Bank sent me an application for a Visa and MC credit card. They asked for a processing fee of $37.50. The offer sounded real, so I sent the application with a check. They did not explain in this application form that you had to deposit funds for the cards to be worth anything. So, in essence, you put your money into the cards to gain credit on your own money, and then they charge you an annual fee of $59, and charge you interest to use your own money!

Does this sound logical? I am out the $37.50 but this company should be investigated for fraudulent advertising and should be listed as a scam. Many Americans have suffered due to the economical crisis. I am sure that President Obama would agree that this company is stealing hard-earned cash from Americans. I am sorry to say that I live in the same state as this company!

I received a letter in the mail stating I would receive 2 cards for $37.50 and they had a limit of $5000 on each. I thought it was a blessing from above but as me and my husband began reading the letter it started sounding too good to be true. So I decided to look up this New Millennium Bank and came to find out they are scam artists trying to beat people off of their money. Luckily I didn't go get the money order like I planned. Don't be a victim to this scam.

I went to go and use my bank card only to find out later that I was in the hole $130.00. Apparently, this card company had hit my bank $99.95 for their scam cards. I never gave any information online or had I sent in an application to them. They just took it upon themselves to get access to my bank. I have this thing on my bank account that you can't get what I don't have. And somehow, they ran it through my bank and hit me with their fee, as well as an overdraft on my account. The bottom line is they are scamming people and they need to be stopped.

Like the other people who wanted the two cards from NMB, I was also tricked--but it was partially my fault. I received the application from NMB back in the first week of December. I read how it said that I was approved for $10k total for both cards so I filled it out and mailed it along with $49. Days later, I realized that there was another paper that came with the application, so I looked at it. That's when it hit me. It explained how the credit limit is based on how much you put in--$5,000 being the most and $300 being the minimum. You're actually losing money if you put in the credit card because of the 19% interest. You don't start with any money on the cards at all. Learn from my mistake. Read the fine print! You won't have false hope or be $49 short.

I sent a CK for a MC and VISA card. The company cashed my CK. I never received the cards. I called ** and spoke with a person that said write a letter and they would return my money. That was sent on 12-30-09. No CK and it is January 15th of 2010. I call the 732 number and the line is busy all the time. This is wrong. No credit cards nor a refund.

I had received a credit card application by mail stating that I was approved for 2 cards a visa and a master with a total of $10,000; $5,000 in each card. I had made sure I read it again and again because I couldn't believe what I was reading. It said that all I had to do was to send in $49 for both cards and an extra $10 for rush. The letter didn't mention anything about me depositing money into a bank account. I would like to know the procedure of how to get my money back being that it was a money order I sent and the reason why I want a refund is because I feel like I was lied to and use. I feel so bad for my children because they were so excited to go away for the Martin Luther King weekend and I feel really used.

I received a call from a rep saying I was approved for a platinum Visa card. She told me that the line of credit is $10,000. She told me once I receive the card there will be $47.50 3 or 4 times and that will be deducted from the card. Well my bank account is in the negative because she never told me they were going to debit my bank card. I later talked to one of your reps named Michelle, and she told me that the young lady I dealt with told me false info and she had it setup for $47.50 to be taken out of my account for the next 3 mos so Michelle (I think that`s her name) stopped any monies coming out of my account. What a nice lady! I want to know if my money will be put back in my account plus overdraft fees!

I received a credit card application in the mail regarding a credit card. I sent $35 to company wanting to receive this credit card but did not receive anything. I called on Thursday on January 7, 2010 and they said they received my money on the 31st of December and I still haven't received my cards. What shall I do about a refund considering it was a money order? I lost out on money that belongs to me if they're not going to send my card.

I was online, checking out credit card applications so that I could repair my credit. I came across this application and began to fill it out, but did not finish because they asked for my banking account information. To my surprise, my checking account was debited $99.95 plus a NSF of $28.00!

applied for credit card with 99.95 taken from my checking acct and it is been over a month and no credit card. I have sent e-mails and gotten no response. This really sucks!

I have only had contact with said company over a year ago to apply for a card, paid via money order...never recieved card. said company has a "application number" but claims to have no other info regarding this matter. this is definitely fraud, where do I go from here? Economic damage= $99.95 emotional distress, police involved but not to help me.

11/03/2009 I sent a check into New Millenium Bank to apply for 2 credit cards a Visa and a Master card deal. The check cleared my bank within a week and I have yet to hear anything back from these people. I have not got a phone call or a letter or my cards.

Filed complaint w/ consumeraffairs.com. Within 2 days, received check for full amount owed, $300, noted as: full refund.

Today, I find that they then proceeded to go BACK into my account the following day, and again 1 week later...and have now AGAIN debited my account for another $300.

This time, they even mocked up a check and assigned their own check number and took it right out of my account.

I spent 2 hours this morning at the bank w/ affidavits re: forgery / fraud on my account by New Millenium BAnk. In addition to the t ime and aggravation, I now have to close my account and buy new checks.

i mailed 59.00 to these people to get a credit card and have yet to receive it or to hear from them as to why i havent. i would lke my money back and i see im not alone. anyhelp will be appreciated.

well this company mailed me a credit card app.and said mail in money order.For 35.00 i did haven't got no card or a answer.I want my moey back but i got a cashier check from my bank and am gonna see if i can stop payment on it .I'm mad as hell it's christmas time i don't have money to throw away..

If you look at the application, they have incorrectly spelled "initial" and "wherever." Incorrect spelling can be a lead that the site is fake. That is what I go by on all websites. If a site cannot get their spelling right, they need to hire a new web designer. I hope others do not get scammed by this too-good-to-be-true "credit" offer.

A total fraud...Give them $300 for $5'000 credit limit didnt get the credit limit.Didnt get the money back a total bogus I hope all the people you got fraud with these people unite and catch these leeches...

I don't know how to get help should we call the police who do we call for this kind of situation..Somebody please post something and help us get our money or just put these people behind bars.

Post here lets catch this bad people.Tell us how to catch this people and how to do it...

Filled out app and gave permission for them to take $300 for secured account / credit card. Received nothing x 4 weeks after they took my money. Called - they said had been calling me, needed more info. Advised: we're on phone now -- what info do you need? They said would email it.

Filed complaint. Received 2 emails from them in the next 30 minutes. Have now called & emailed: requested my money be returned. Advised: don't like how you're doing business, and don't want to do further business with you. Return my money. No response.

How can I report these people who rapidly jump into your bank account, fail to keep their word of sending you the card (that you secured with the money they took) and then refuse to return your money? This is clearly FRAUD!

Bank withdrew $300 from my account. Failed to send paperwork re: same, or card (which was the point of the secured account) and now are declining to return my money. Their only contact has been to TAKE MY MONEY. No letters, no phone calls - just the 2 emails I mentioned -- saying they'd been trying and trying to reach me by phone and mail.

I just noticed that a check from my bank was made out to New Millenium Bank for $99.95. I did not make a request for a credit card. I have not received the so called credit card that they claim I applied for. It has been a month since the funds were taken out of my account and I have not seen or heard anything about a credit card.

guarantee number 117-8178-1288."

My check has cleared the bank and I have not received a card and I am sure I NEVER WILL! I am disabled and my husband has had a stroke and heart attack. How can people do this to others who are barely able to put food on the table and pay bills???

I pray a great law firm will take this and prosecute these evil people to the fullest extent of the law.

I recently looked at my bank account and there is an unauthorized debit from my account for the amount of $45.00. I do not have a crdit card or anything else with the bank. The check number was 30179 and the reference# is 3790179. This amount was taken out of my checking account on 10/24/2009. I would like this matter to be taken care of immediately and to be refunded the amount of$45.oo. I have also filed a claim with citizens bank which is my bank.

I received an offer in the mail for two credit cards,pre-approved no credit check!Each card would be up to 5,000---just pay the fees and I psyed an extra fee for a rush delivery=$59.00!!!!!Received a letter in the mail that I was to put a deposit up against each of the cards! This is not what was promised! I work hard I pay my bills! What a SCAM!!!!

On November 14, 2009 I recieved a letter from this bank with an approved & guarantee # towards two Platinum credit cards totalling $10,000.00 in credit. All I needed to do was to send them a check for $49.00 and they would send me the cards. It sounded too good to be true and it was.

I was offered a visa/ mastercard by this bank in June of 2009. I sent them the required acceptance fee of $49. The money was withdrawn from my account on the 10th of June and I haven't received my card or any notices from them since.

I guess I am lucky I filled out an application and cancelled it but was debited 99.95. I fooled them, I didn't have enough money in my account to cover it so it bounced. I only got hit for $36.00 for nsf fee. It is a shame that they and many others prey on the people that really need the money. I guess the people that could afford a charge are smarter than us. Or they don't look at ads like that.

They offered my a mastercard n a visa card both with 5,000 a piece with a garunteed approval just send in 49.00 for the cards so I did now they tell me they need a minimum of 300.00 before they would send me cards which the application never stated that and now they won't refund my money back.

My dad got mixed up with sweepstakes reporting companies and was getting 20 t0 40 letters a day and started getting calls from companies telling him he won money and he just had to wire money. He was averaging over a $100 a day to these places.

They sell the names and once you get on one they sell it and it is all but impossible to stop the mail or the calls.

My dad got a call from someone that told him they wanted him to work for them and they would pay him $1,200,000 to work for them but he needed 2 credit cards to pay other winners.

Tonight he just got a new letter for a Platinum Level Master Card or Visa or both. He saves $20.00 if he orders them both ($37.50) and rush processing for and extra $6.00.

I can't say this company is a complete fraud because my dad got a check that turned out to be worthless from a honest company and honest bank, but I noticed the phone number on my dad's letter was different from the company.

When I called them on the real number I got when I google the company and asked for the guy my dad was supposed to talk to I was told no one by that name worked there. I also noticed from the web site that the logo was not the same as what was on the letter.

I emailed them a copy of the letter and the check. I got a response the check was bogus, and they wanted help in catching these people.

If you get a letter with an offer for a credit card with no credit check I would pass it up.

I personally would call this bank and verify the offer and record the conversation if you want to do business with them.

I have carried credit cards from this bank for 4 years and have been very pleased. My credit was ruined after a divorce and I was interested in rebuilding my credit score. All of the information provided clearly stated that the card was secured and a deposit was required. They have reported my payments accurately to the credit bureaus, and my score has improved as a result. In addition, I have had no trouble getting through to customer service when necessary and they have been quite nice and helpful.

never gave electronic check info debited my account 99.95 and tried to say it was for a credit card i never filled anything out, gave them info, applied for one, got a email, got anything in the mail what so ever now it overdrew my account and when i called you can not speak to anyone on the phone they just say you can fax or get a machine

The truth about what they do - minus the opinions - they do not make tell you it is secured - they take $35 - then they tell you they want a secured amount - if you call the phone number, you are transferred via phone system to number no one answers.

I was contacted by the Bank of America where I have an acct. Now I hadn't used the acct in many months but I did have it open. I also have another acct. at Woodforest bank where my disability and SSI checks go. New millenium sent me a application for a credit card,secured. I had no need for it so I disegarded the letter not filling out the application that was with the letter. Unknown to me my bank of america recieved a 99.00 electronic transaction. Now the acct had 0 monies in it so this transaction the bank approved and paid it on my behalf and called me after the fact to tell me I was 105.00 overdrawn!! I was shocked because I gave noonefrom Millenium Bank any of my information NEVER sent the application so how did these people get my banking information to be able to do this. I am livid behind this because I cannot get any closure to this matter.

My bank says I have to follow up on this myself since the acct is closed they aren'tdoing any courtesy to investigate even though I explained that I didn't approve this transacton. The bank feels that if the company has my banking info I must have given it to them. NO I DID NOT!! These people are defrauding me and have robbed me and I demand satisfaction. I have tried calling there customer service # ever since I found this out not getting any answer at all no matter the times I call. I went on the internet to e-mail them and found that several people have lodged similar complaints about this company. I found this site and decided to e-mail you on the outside chancethat you will have better results then i did. On the letter they sent to me there is a REF# 3731976 It was sent to me late August. I never requested this card, I never sent them any thing saying I wanted this card since they took the $99.00 I never even recieved the so-called secured credit card!! These people mustbe stopped they have a way of illegally gaining peoples information.

Understandably, times are hard. They are for all, however, no one is going to hand out that kind of money to someone with terrible credit. Whether this is a legitimate business or a scam, who knows. I'm smart enough not to send someone money to receive something that realistically makes no sense I should be getting. So be a little smarter about things. Read everything. Check the website for account conditions. Don't send anyone any money until you know exactly what you are buying into. USE SOME DAMN COMMON SENSE.

Upon receiving their second letter, I then immediately call their customre representative who made it completely seem they were out for some dubious business rather than implementing as to the letter, this is why I was mad and decided to request payment of my money back and failure to do so I lodge their complaint to the National Consumer Agency letting such a bank to take the opportunity to fraud many people of their hard earned money.

I went to apply for a credit card with them and I didnt finish because they said you need a savings account and 300 in the savings and I didnt want to do that so next thing i know I have a fee of $99.95 taken out of my checking account. I want my money back asap!!!!!

I got a email about a credit card.Went to fill out there applcation and was chatting with a repersentive online they told me it was free to see if i could get the credit card after i found out they needed money to get the card i said no thanks i didnt want the card.after i check my banking account a few days later they took 99.95 out of my checking account.when i try to contact them i get a busy signal. i have since then closed my checking account.

I was looking on my bank statement one day, and noticed that there was a charge for 99.95 check. I know that I had not written it, nor had I authorized anything like that. I called my bank and I was informed that the charge was from my husband's credit card. This was news to me, because he doesn't have a credit card, nor does he have a social security number with witch to get one. There was not enough money in the account to pay this check, so it was returned, and I was charged 35.00 NSF fee for it. Fast forward two weeks. Another charge came through our account for the 99.95. This time, it was paid. I called my bank and they told me that this transaction has cost me 300 in overdraft fees. So I looked the bank up, and called them. After waiting on the phone for over 35 min, I spoke to a woman who was very sympethic to my plight, then told me to fax the fraud department. I asked to speak to someone in that department, and was told that I would only be able to fax them. At that point, I told her that this sounded very fishy to me, and she promptly connected me to her supervisor. The super. Leah was very nice to me on the phone, and said that she couldn't even find evidence of our application, or of either one of us being in the system. So, now I am in limbo, waiting for someone to contact me, or for me to contact them again to fix this.

Applyed for credit cards and did not recieve them. I was charged $149.00 to process 2 cards one for my husband and one for myself. Since I had to secure them I had to send the amount of money I wanted to secure them. I sent 300.00 for the mastercard and 800.00 for the visa. Waited 2 months and still haven't recieved them. I called millenium was told they were waiting for proof of residency and needed a power bill with my name and address. I sent that to them by fax, and still haven't recieved anyting it has been 3 more weeks.

I went on-line to answer an e-mail about a credit card from New Millenium Bank. When I entered the site I filled-out the application, but when I found out there was a fee of $99.95, I changed my mind because I didn't have that amount in my account. So when I tried to exit the site, the screen changed. And later I found out the company had processed my application without my approval. Now I'm stuck with 2 overdrafts on my checking account, because they tried to without the money twice without my approval!

My bank is threatening to close my account if I don't pay the overdraft fees. Therefore my credit will be damaged and my account emptied.

Now that I'm aware of what happened, I tries to call the company, but they keep putting me on hold and referring me to different departments that never answer. I feel like I was robbed and taken for what was in my checking account. This needs to be stopped right away, before others become a victim as well!

I'm a cancer patient was on line looking for cash help. I NEVER agreed for anything but had 99.95 taken out of my checking account. I don't know why or who this place is

i send 35.00 for credit card and 10 more for rush, i have one week and i can receive nothing. I think this bank i fraud.

i was appling for a pre-paid mastercard online only to recive one in the mail satating i needed to send in 300$ to get started. i felt like i should be able to put what ever amount i wanted on the card so i threw it away. then for my birthday i was in L.A. only to find out i had no money in my account. when i go back there was 99.95 withdrawn form my account with no info on who it was i spoke to a rep at my bank only to get the name of the company New Millennium Bank with no contact info so i googled them and what do i see a whole list of people who have been ripped off from them. i did contact the company only for them to tell me i need to fax a letter over which im about to do now.but if they dont return my money what do i do next? is there anyone who can give me any advice besides not to use the enternet to find a prepaid card becuse youll get ripped off.

I went to apply for a credit card online and then at the last second seen houw much it was going to cost me. I tried to get them to not go through with the transaction but the page disappeared on me. I can't seem to get through to any one about what i wanted and I have no idea what to do. I am almost blind and didn't see the amount they asked for clearly until the last second. The paged flipped on me. I need the money back in my account now.

I am in trouble at the bank becuase of this mess and I need it taken care of immediately. Every day they are charging me eight more dollars, I am on disability, I can't afford that nightmare. I am all alone, please help me. I hope someone there has a big enough heart to see how much I need you to help get this matter straightened up. I am using a magnafying glass to do fill out this form and I don't mind telling you this is hard. I don't want to have to keep filling out this form. Please understand. Thank you very much.

my bank charged me for an overdraft of $99.95 to my account and I have never tried to open anything with this bank. I was not aware of this until I recieved a letter from the bank. I now have to try and stop them from getting into my account. This bank even made up a false checkwith my name and address on it, and I do not use checks of any type.

I received a letter from New Millienum Bank offering me a credit card for a registration fee of $35.00, this was over a month ago and I have not heard from them ever since. After Bernard Madoff everybody feels that they can scam anyone they please. If you take $35.00 from everyone who responds they can make quite a bit of money. It's time these companies are shut down.

To those who have posted complaints I do not blame you, they need to be closed down. Most people look at companies on the net first for them or anyone to apply a cookie that removes funds fron your account without you finalizing the account should be liable for consumer fraud and theft.

stating that they can repair my credit and give me 5,000 dollars and another set of 5,000 equaling up too 10,000 in a visa card i believe it was. In order for me to receive that, first i have to send in a check or money order of $30.00 or $35.00. I didnt think nothing off it at the time, i sent in the money to them and after they have mailed me another letter stating that i have to send in $50.00 more dollars...Then on, i knew it was some kind of scam!!!

I received a letter from this company offering me for 2 platinum credit cards for a total of $10,000 credit limit ($5,000.00 for a fee of $35.00. I checked their site and I read many complaints against them. I would like to warn other customers/people to be aware of the scam on going with this company. Read the complaints posted on their site before decided to fill up anything.

i received the application to reatore my credit with twice $5000 or $10,000 total in new credit which i wanted to use for RE taxes since i am suddenly unemployed. I read the paperwork twice and found nothing strange about it. so i had the pen in hand to sign already when something in the back of my head told me to first check the internet if the bank even existed. Instead what i found was a site with pages and pages of complaints about this being a fraud.

I tore the application up but i still have the envelope and will print some of these complaints and send them to them since they pay for postage, hehe! Thanks guys for taking the time to post ur concerns: it helped me and who knows how many other seniors. I also will fwd this site to my friends.

Luckily i was warned by this complaint site. I am extremely frustrated but not financially harmed.

This Company Is A Joke. I started to fill out an application and after I realized what this was I backed out of the web site and never finished the application, yet they were still able to access my account and withdraw $99.95.

I am on disability at the moment and can not afford a BS company to just go into my account and take money without any consent. This operation needs to be shut down immediately.

I received a letter indicating I would recieve up to 10,000 in credit. There would be no credit check and I was garaunteed this credit simply by sending a check for 35 dollars. Since I was recovering for some credit issues I thought it was a great opportunity. Apparently that wasn't the case. I canceled all ties with the company and lost my 35 dollars. I'm very upset and stressed to know that I was mislead by there advertisment

I'm on a fixed income and wanted a credit card for emergencies and now I have lost my money and cannot restore my poor credit either.

I paid a 32.00 return fee from my bank, but I sent that debit right back to them! Lucky enough I caught the charge within 48 hrs of it being debited and my bank had no problem sending it back. Most banks will do this even further out if you can show proof (like this web page) that they are a FRAUD!

i filled out an application with new millenium bank to get a secured credit card to rebuild and repair my credit it did state that it would be an 99.00 dollar application fee well look into my wachovia account to that the 99.00 dollar fee has been withdrawn but i have not received the card what make it worst i just looking at the complaint about people that did the same thing and never received there card nor there money back and some of the people applied like years ago this not right its a fraud.

they stole money from me i could have used for my children AND NOW I HAVE AN OVERDRAWN FEE

I received a letter indicating I would recieve up to 10,000 in credit. There would be no credit check and I was garaunteed this credit simply by sending a check for 35 dollars. Since I was recovering for some credit issues I thought it was a great opportunity. Apparently that wasn't the case.

I canceled all ties with the company and lost my 35 dollars. I'm very upset and stressed to know that I was mislead by there advertisment

I was online looking for a reputable company to get a credit card for improving my credit, which is in the tank,when I started to fill out the application. I got to the end when they wanted $99.00 up front. This is when I canceled out the web site. I did not submit anything. The next thing you know is that they took the $99.00 out of my checking account. There must be a cookie of some sort installed when you start the application. I can't see any other way. This is fraud, and something needs to be done about this. How many people, not only on this site but how many other so called business' get away with it. I live on a shoestring and in the negative with my checking account. Now with all the other over the limit fees and bounced checks I screwed. Plus the time I need to take out of my life to try to straighten this out.

In February 09 I applied for the credit card, I didn't know my account would be charged for $99.95, I only thought I paid the s&h charge, well guess what, not only did they charge my account but I never received the card, and after speaking with someone I was informed that the $99.95 was an application fee in which it's non refundable, tell me this isn't a scam. All I want is my money back, but looks like I'm just out of luck.

None the less I thought it would be a good way to rebuild my credit so I almost sent the money. Im thankful to have found a site that exposed this company and exposed their deceitful practices of not disclosing all the details and that there is not a legitimate number or anyone to contact after you bank account is being charged. I am sorry to all those who have become victims of Millennium bank and applaud you willingness to come forward so this does not happen to others. I pray that these people and others like them will be stopped. I also say a prayer for all everyone who has to battle financially by overdraft fees etc and hope that the lord will be your vindicator and bring peace and resolution.

I too jumped through hoops to FINALLY get my card and it took 6 months to do so. I have diligently paid on this account for 3 years only to pull a credit report and find out that they have me as paying late every month. I went through my bank and received a print out showing I was consistant during this time and NM constantly assess a late fee at their will. I am infuriated with this company and closed out my account only to be told that I won't be receiving my deposit for 10-12 weeks.

Asked if their was interest and she chuckled and said if you had good credit you wouldn't have this problem. This company keeps people in a bad credit situations and LIES constantly to you. BEWARE!

Complete aggrevation every time!

I Received a pre approved application in the mail for a Visa and Mastercard with a limit of $5000 to $10000 credit line. I sent them a $59 dollar money order and have not received any cards. After reading these complaints I too feel like I have been a victom of fraud and these people should be stopped. I would LIKE MY MONEY BACK NOW!!!!!!! It could be put to better use. 3/09/09

Thank god that it was only $59 dollars but It could have been put toward food or anything other than this.

I received an application from this outfit & decided to check it out first via the web. Boy I am ever glad I did! They won't be getting my $$. And as for those so-called customer accolades...take them with a grain of salt! In all likelihood they are nothing but paid people from the company uploading false praise, especially in light of all the complaints noted on this site.

they took money 99.95 out of my account and caused it to bounce. i applied for the card, but when i was told 99.95 would be taking out i didn't submit it. how can people get away with stuff like this.

my account was over drafted and i luckily got the bank to take the charges off. i had to get money fr my father in law to cover the rest.

they dont have a number to reach them they have been getting money out my bank for 99.95 at a time. I never recieve a card fron them. they have got me charged frm my bank. they should be stopped.

somehow they got my bank account numbers and they got 99.95 beware of new millenium my account was overdrawn so i also got charged for that also

i had to close mt account and have direct deposit changed as well as direct withdrawles these people cant be reached please help put this to an end

On feb 3 2009 I mail my money order to this location.I paid $29.00 for the master card and $6.00 rush fee.All togathere it was about$35.00.A week later i went to my bank where i percate my money and the bank teller tells me that my money order was nowhere to be found.

New Millennium Bank stole 99.95 out of my bank account. I was online researching different credit cards and was filling out an application when it got down to the submit part of it and I read the terms and conditions I EXITED out of the WITHOUT hitting the submit button. The next thing I know I've got 140.00 dollars in overdraft fees and my account is overdrawn by 202.00 dollars. I have contacted my bank and they are going to try to get the money back for me and I have to fill out a fraud statement and I have to fill out a police report.

I have read some of the defenders of NMB on this web site and their tone implies that people aren't educated or are stupid because they haven't read the terms and conditions, well, guys not me. I am neither stupid nor am I uneducated but what I am is part of a group of regular people who got ripped off by a bunch thugs who think they take what they want and for the most part get away with it. I NEVER hit the submit button on the application after reading it in fact I EXITED the site not thinking anything more about it. I am so angry. I live paycheck to paycheck as do most Americans and I cann't afford for something like to happen. Where is the justice for what has happened to so many people?

i sent off for my credit cards and never got them. i feel like i was swindle.

I were defrauded by this bank and I filed a lawsuit against them in Minnesota and they did not even bother to show up and defend their company. I don't think this is a legitimate bank. I won my lawsuit by default judgment and they still haven't paid me. They don't even care that they have a judgment against their bank's name.

During my search I cam across this blog regarding NMB. It scared me. I thought my research had produced a lemon. So I decieded to put it to the test. I called NMB. If I was to believe many of you this would be a uphill battle trying to reach someone. I have a surprise for you. They answered on the first ring. I also was told upfront that the card was secured.

I can understand that if your first language is not english this could be misleading...but this is the USA. I know the fees seem high but if your like me and had a life event this might be the card for you. It reports to all three credit bureaus and is reasonable for poor credit.

They sent me an activation envelope with a congratulatory statement. It stated that I was pre-approved with a credit line of $5000.00-$10000.00. Per their request I sent them a money order of $49.00. Since i did not receive a credit card in the mail, I proceeded to call them. I was then informed that I needed to open an account with a minimum of $300.00. To date I have not received anything from them. I request my money back at this time since is my belief that my money has been stolen. Thank You

Mental Anguish at the thought that people are stealing while were going through an economic recession.

I applied for a New Millenium credit card on 12/15/08. When I read that they were going to charge me 99.95. I did not submit the application, i just exited out, by that time they appearently had all of my infomation. I email them and asked for account information. No response.

The next day I saw that my bank account was debited 99.95 and I never receive a card or anything in the mail. My bank account is now 825.00 overdrawn from overdraft fees, because of other authorized charges that came in after their debit. I had to open another bank account and cancel my debit card because my paycheck is direct deposited. Please investigate this and contact me if I can do anything to help and advise of any class action lawsuits.

they sent me the activation envelope and i sent in my $44 and then i wait 2 weeks and called them back and they tell me that i have to deposit $300 into the account to activate it and for them to send me my cards.

now i paid and get nuthing. i want my $44 back and i want it now. i could of used that for something else

I just read my bank statement and this bank withdrew $99.95 from my bank account without permission. I called and received a recorder message from a woman with bad grammar and broken English. It definitely was not a professional answering system.

Reading other remarks online it must be a scam. My bank is investigating New Millenium and a police report in my town has been filed along with reports to the BBB and Attorney Generals offices in WI and NJ.

I applied for what I didn't know was a secured card with them, and they cashed my $59 check. No card obviously came. I have contacted them by phone, they put me on hold for 35 minutes, and finally put me with an operator who gave me an address, and said to get a refund I would need my application number, which they gave to me. I also filed a complaint with the NJ BBB because I felt like the application was deceptive. PLEASE POST THIS ON YOUR SITE FOR THOSE WHO HAVE BEEN THROUGH THIS AS WELL. I GOOGLED THEM AND GOT A PHONE NUMBER.

I lost $59.

I just want to defend New Millenium Bank after reading all these comments. Their credit card is a *secured* credit card. It is really a debit card. You deposit $1000 so your limit is $1000. It says it very clearly on their website. You guys don't read! The only reason you get this card is to repair your credit history. Otherwise, don't bother.

I recieved a letter in the mail from NMB for both Visa and Mastercard with a credit line of up to $10,000. It clearly states that you must open an account with a min.of $300.00. I decided to Google the bank and came across all of these complaints. I was horrified to say the least. I believe that many of you have been decieved,but I hope that maybe some of you can find some solice in knowing that because you took the time to write your complaint about NMB that you have saved my family from making a huge mistake. Thank you.

I applyed on line for a card never recieved one on phone number what so ever, so If ANYONE AS A NUMBER TO THIS COMPANY....
THEY HIT MY ACCOUNT FOR 99.99 PUT OVER.

The New Millenium Bank sent me an application for a Master Card Or Visa. I applied for both which I had to send off $43.50 by Money Order. I sent it off at the begining of December 08, thinking that I would have it back before Christmas time. If I can't get the card can I please have my deposit back off of it.

That was for to help me get my children Christmas gifts with and now I can't get them any now because used my cash onn hand and paid all of my bills up front and ahead of time.

I paid my credit card bill on line in the amount of $550.00 on Thursday, 12/11/08 to New Millennium Bank. On Monday, 12/15/08 my checking account at SunTrust was debited for $550.00 in favor of New Millennium Bank. On Tuesday, 12/16/08 I checked my balance on my New Millennium account and was told that the money will not be available to me until Tuesday, 12/23/08. I spoke with a Supervisor named MaryAnn M. and explained to her that I needed the credit to purchase my medications for my heart condition among other things but she told me they could not release my money that they are have until Tuesday, 12/23/08 because of company policy.

The upshot was that my SunTrust checking account kept accumulating NSF charges and I don't have any money to purchase my heart medications and living expenses.

i would just like to say that i have not got my card yet and if i do not get my card i would like my money back please asap thanku i think millenium is a really good bank. i would like to have them as a credit card so i can get my credit score back up i do have bills i have to pay. All i need is a chance thank u for taking the time to read this.

if i do not get the credit card i just would like my money back please thank u

I recently sent my $49.00 in for the two credit cards that I was approved for and never received my credit cards even though they cashed my over a month ago. I cannot reach anyone by phone to talk with.

i applied for the credit card gave my routing number like an idiot but decided not to go through with it , well the damage was already done they charged my bank account the next day i anyone out there has no credit like i do go with premier bank card they are excellent and have always been curdious yes they ask for an applicaion fee but they do send you your credit card with a 200 dollar limit and you build credit fast i just six months my credit score jumped form 548 to 580

they didnt get me at a bad time i always have money but it just ****** me off that they have gotten away with it so many times i will say it again first premier bank is the best bank to build credit with

I've read through all the past logs on this Bank and its sad to see they have been doing this for over 8 years. I too have been scamed for a proccessing fee of $49, and wish I have seen this web page before sending in my cash. To take this company to court for an individual would be way too costly, but if we band together and fight them together we all might have a chance of seeing the law work in our favor. I believe this company wronged me, and if you feel the same band with me to take them to court.

not heard from the Bank. Is the Bank going to continue dunning my account for money in the future? How can I get my money back. This fraud occurred in New Jersey which is most controlled by the Mafia, see FBI report Crime in America, so I doubt there will no help coming from New Jersey Attorney General's Office.I live on $1200.00 a month retirement so to lose $99.50 is a significant amount to lose. Is there no one to help us?

Cound not pay credit card, noo could I pay my back rent since my checks kept bouncing and I spent over $160.00 in NSF charges to my bank.

i was sent a letter stating for 35 dollars id recieve a mastercard never got it...i want my money back

i received the same letter about the 10.000 credit limit for both cards, but in fact i did not see any thing about deposit or saving account. my credit is bad iwas in the need of money because i haven t work good since 3 weeks. i send the aplication.

my question is if i changed my mind because i did not receive anything. why i cant get my money back dont tell me they keep all the money just for processing or is just a trick, because i think they send this to a persons with bad credit. they know already what s going to happen so they make money. in fact i have to find the way to survive, find another job o borrow money, is a hard time.

We sometimes make mistakes but they are commiting fraud...Look at all the reports on them? I want extra money for the inconvenience of money they caused me not to be able to get money out of my account after a direct deposit from my company and all the NSF funds they've caused me. I have copies of all papers. shouldn't need they need to pay me for those costs immediatel. I have my own attorney

couldn't get cash out of my bank when I have a direct deposit. This large sum of money cost me NSF twice they owe me 37.00 twice

When I received their promotional information they called themselves a Credit Union and asked for $37.00 to apply.

I am out $37.00 and have no recourse to get it back without hiring an attourney because I wrote them a check and it was not even mentioned on the material they sent me although they immediately cashed it.

I never authorized or submitted to this credit card yet my checking account was debited for 99.95 costing me 37.50 in overdraft fees. Please be careful even viewing their website if you enter any information they automatically debit your account and good luck getting your money back. This should be an illegal scam and they need to be stopped.

I cannot afford to lose this kind of money I have been out of a job for several months due to illness and this only causes more hardship for me.

I would just like to say that I am reading all of the complaints on this Company. I myself just received a letter stating for a $35.00 fee I could receive a secured credit card up to $5,000.00. I then read the whole offer and it does state in the offer that you must open a savings account, minimum of $300.00 and that is what your credit limit will be, so if you deposit more money, then your credit limit will be that amount. This is why they call it a SECURED CREDIT CAR. This is not misleading in any way shape or form. For all the people here that has had or is having an issue, it seems to me that when you sent your $35, $40 or whatever your processing fee was, that you did not read the whole offer and fee that you were scammed. It is not the Company's issue if you did not take the time to read the information that they sent to you.

I has cancelled my credit card years ago. Then out of no where millenium activated and started charging me some fee i never applied for. I complained last fall, they agreed to drop by card and stop this fee. have not used this credit card in years because it was cancelled. What are my recourses? Now I found out they put this on my credit report. This is fraudulent

Credit report

I've been a cardholder of New Millennium Bank for years. I decided that I had to make a comment because after reading all of these complaints, i'm left baffled. The application/account materials provided all explain that they are offering a secured line of credit.

This company needs a security deposit because they do not do any credit checks. For individuals to expect a $10,000 line of credit for absolutely nothing is ridiculous. It appears to me that most people did not read before applying for the cards.

They Took 99.95 Out of My husbands account and now they haven't sent me nothing and they have no way to contact they ripped me off But I will Get alawyer to fight this matter It as cause Martial Problem because he told me this was not a good thing to do at the time and now he is mad at me

I did not understand that millennium Bank was going to take any money out of my account I am over drafting in my account. Is there any way of canceling I dont even mess with credit cards I miss understood the whole thing. If i didnt have money in my account the first time why would you run it again? PLEASE STOP I DONT WANT IT1111 thank you!

Had no problems with this bank or credit cards. Been member for two years. The processing fee and activation fees are all explained and the security deposits. No rip off. My credit was bad and used this card to rebuild credit and it did

My boyfriend and I received a letter from this company stating that we could get a Master card for a small fee with a large credit limit. We thought great- we can help our credit out! So we sent them a check by mail for an amount of $59. We waited qyite some time for a response by mail. I checked my online bank acount to see that the check had been cashed after 7 days that it was sent, but still there was no response within 3 weeks. I checked the initial letter received form the company to look for a phone number to call and complain and much to my dismay there was no telephone numbers or address to contact them at.

Next, I called my banks customer service line to see what I could do to get my money back, they told to that I could fill out an affidavit and the bank would conduct an internal investigation to get my money back. I then went to my bank and did so.

A month and a half after the check was cashed I got a letter in the mail from my bank stating that they were unable to recover my funds and that they had been uncooperative. It also said that I will now need to consider this a loss or try another legal avenue such as small claims court. My advice to anyone reading this and thinking about trying the company out- DON'T DO IT UNLESS YOU WANT TO MAKE A DONATION!

I was put in the hole and still don't have a credit card.

I applied fro what i thought was a credit card, but turned out to be a savings card. I was unaware that they were going to go into my bank account without my consent and withdraw $99.95 in processing fees and other fees when it states in the terms and conditions that there is only a $35.00 processing fee. Where did the other $60.00 come from.

I have asked for a refund and have not recieved a response yet. I will contact a lawyer if necessary. This has seemed to happen to many people in the past. Just wanted to give you a heads up. These types of companies must be stopped. With these tough economic times, $99.95 is alot of money to me.

I have to borrow money in order for my bank account to not go negative and cover my other bills. If i did not notice the charge, and with the $35.00 fees my bank charges, i could have been out almost $500 which i would have a very hard time recovering from. Thank God i check my account on a daily basis.

I received an offer for a $10,000. credit limit Visa for a $37.00 fee. I paid the fee in expectation that I would then receive the Visa card. Instead I received another letter stating that I had to open an interest-bearing checking account, and pay an additional $50.00 for the card. I became disabled and my credit became bad at the same time, so this looked like the answer to some problems at this time, which it turned out not to be; just another problem (scam).

I applied for a credit card on 9/26/08 and on 9/29/08 $99.95 was stolen from my account and I never authorized this transaction! I spoke with my bank who not only charged my account the $99.95 fee but also the NSF fee of $35.00! When I called New Millennium,it took me about 30 minutes to even get a real person on the line and when I did she was very curt and acted like I did something wrong! I was never told nor was there ever a statement I saw that stated I would be responsible for a $99.95 processing fee! I hhave reported it to my bank as fraudulent and should I not recieve my monies I will be pressing charges against them for theft!

I received a letter of approval and an application form for a Visa and a M aster card for the sum of $5000 each. I was told that if i pay the sum of $59 i will gwt my cards in the mail. After I issued a check for $59 , they sent me another letter asking me to send an additional $300 . It is clear that this is a scam and effort to get back my application fee has proved unseccsfull.

They duped me for $59 dollars and this has affected my going to work as I needed this for my gas to enable me go daily to work

I received a lettet of approval and an application form for a Visa and a M aster card for the sum of $5000 each. I was told that if i pay the sum of $59 i will gwt my cards in the mail. After I issued a check for $59 , they sent me another letter asking me to send an additional $300 .

It is clear that this is a scam and effort to get back my application fee has proved unseccsfull. I would advice people out there not to deal wil the Millennium bank because they are not real. They duped me for $59 dollars and this has affected my going to work as I needed this for my gas to enable me go daily to work

I have read a lot of negative feedback about New Millennium Bank. Most of it is from people that have bad credit or they would not be opening an account with them. I was in a position where I needed to reestablish my credit so I opened an account with them. The fees are big but if you need to reestablish your credit any place that is going to help charges large fees.

I read all the papers they sent and have had no problems with them at all. It costs a little more if you charge to much or make a late payment. Every 30 days a positive or negative comment goes to the credit Bureau. That is what you need to reestablish credit. The people
writing cause they can't afford 59 dollars or whatever they charge should not be trying to get a credit card yet.

Try making enough money to pay your bills first then you may want to think about getting credit.

I have had no problems with this bank. It may not be the best deal out there but it will help build your credit. Customer service is not hard to get ahold of and the statements I receive every month are accurate. I think if customer service is a little rude sometimes it is because of the people that can not read and are trying to make the bank look like they are misrepresenting themselves.

I received a guaranteed credit card offer from New Millenium and sent them 59.00 for them to send it and the next thing they did is require me to give them 300.00 more for a fully secured card, which by the way, it could also be no more than 300.00 if I'm foolish enough to send it to them. They totally misrepresented their original offer and I fell for it. Now they'll probably hold on to my money for a month or two before reimbursing if I write them a letter. (If they do reimburse it).

The main complaint I have is that they fool people to get that initial money, probably hoping to get more or that they will just give up and forget about the money they sent them initially? We'll see.

Credit card scams by these so called companies need to be put out of business, and the so called owners need to be given a very long jail term. Credit Gain is also a partner of this bank and is doing the same to scam the American public. Please put a stop to these scams.

I recieved an offer to apply for a credit card in May 2008. In hopes of attempting to restablish decent credit I sent a 40.00 money to this company and never received anything in the mail after that. I tried contacting this office and couldnt locate any telephone number ANYWHERE!!!!!!!!!! That 40.00 could have been a half a tank of gas!!!!!

New Millennium states that there is a fee for the appication of $99.00 or something to that ammount. Yo9u give them your route and account number so they could take it out of your account and you also need to send them the minium of $300.oo for the account that you need to open up.

First and foremost the number that they have to reach there costumer service is (732)729-4935 which so happends to br the number to WACHOVIA. I Asked them if new millennium was a new branch that maybe was part of wachovia and they clearly said no. NOW HOW CAN I TRUST TO SEND A MONEY ORDER, CHECK OR WHATEVER THE CASE MAYBE OF $300.00 dollars or more to a company that has a number that one isn't theres and two there is no other way to communcate with new millennium.

I have way more then enough money to open up the account cause I for one did read the terms but how can I trust that. I EVEN WENT TO CONTACT US WROTE TO THEM I NEVER HEARD FROM THEM...SO IF THIS COMPANY IS REAL THEY HAVE REALLY BAD CUSTOMER SERVICE AND I AM TRYING TO FIND I NUMBER STILL TO SEE IF THIS COMPANY REALLY DOES EXIST CAUSE I WANT MY SECURED CREDIT CARD!

THAT IS A RIP OFF. WHAT CAN I DO? My only financial way of living is my social security check and those $129.00 are need it to pay my monthly bills. I believe they must pay me all the money plus the bank charge as well as the inconvenience for the rip off.

I recieved a pre-approved letter in the mail for a credit card for a fee of 35 dollars 10 dollars extra to add someone to your account which i added my mother. I had mailed it off on april 26th 2008 on a sat it is now may 26th 2008 and i have recieved nothing i tried to look up the web site on ask jeeves. com and all that pops up is rip off's of the company consumer complaints. i put my ss# on the letter i am concerned about it being used for fraud and so fourth if someone could contact me and tell me what's going on i would appreciate it.

On two separate occasions this bank tried to withdraw $99.95 out of my savings account costing me two overdrafts of $25.00. The withdrawal was from First Option-Online apps. $50.00 bounced account, embarrassment, having to close account and opening a new one. Trace# 021213370000222

I just wanted to add a positive comment about New Millenium bank, as I have been a customer of theirs for four or five years now. I obtained a secured credit card from them in order to re-establish my credit, and it really has helped. I recall the instructions being clear about the processing fee, and the secured deposit required. I have had a couple of minor issues with them throughout the years but they have always been resolved, and the customer service people have never been rude.

My only real complaint is that they are fairly expensive. I now have an unsecured card with better terms and less fees than their card which was secured with my own money! Still, I feel it is worth it when you consider that I was approved for the unsecured card because of the credit history I was able to build with their card. So, I found them NOT to be devious or underhanded or anything like that, but a few things I didn't like are:

1.I found it odd that if I overpaid my bill, it reduced my available credit (for example, if I had a $300 limit and over paid by $5, my available credit was reduced to $295. When a $5 purchase was made, my available credit went back up to $300. Wierd. 2.When you make a payment to them, they hold it for seven days before the credit is available. This happens whether you pay by check, EFT, or ACH payment. 3.They send you information on how to increase your credit limit when you first receive your card, but if you misplace it then it's not very clear how to do it (different payment address, different customer service numbers, etc). Furthermore, the increase deposit payment can be easily applied as a regular payment (hence the knowledge of the overpayment issues listed in #1). They do require that you pay off and close your card before returning your secured funds to you, but again, this makes sense as the money is there to secure your line of credit and not there to be drawn against like in a checking account. Like any extension of credit, the balance must be paid. Once that is done they can close the account and then return the security deposit. I hope this information helps give a more balanced review of this company, and the services they provide.

They took $99.95 out of my checking, and I did not get anything!

I'm in the hole now, thanks!

I was checking my online banking with my Wachovia account and noticed that I had a negative $363.00 and a charge for $149.99 for New Millennium bank. I NEVER AUTHORIZED IT! I called them and they were rude and said they would cancel my year membership but that the $149.99 processing fee was nonrefundable. I was outraged. This unauthorized fraudulent charge had caused 3 utility bills to bounce and also incurred 3 individual $35.00 NSF charges. I called Wachovia and immediately was refunded the $149.99, filled an affidavit out and had to get a new Visa check card and checking because they were linked. I'm shocked that any protection affairs wouldn't close them down yet.

Damages of $149.99 unauthorized purchase- $363 in bounced checks. $35 times 3 for NSF funds. Lost payment arrangements and also winter plans for payment reductions because of bounced check. Shut them down. They cost me over 550 bucks and all I got back was the $149.99. This is appalling.

On 1-17-08, I was looking at my online banking account when I noticed that $99.92 was taken from my checking account. I noticed that on my statement said NMB credit card application fee for $99.92. This amount caused my checking account to go negative. I went to google and typed in NMB and New Millinium Bank came up. I talked to a lady and she said that she was sorry and she could help me cancel my application that they fabricated some how but not by me. She said that I would have to write a letter signed by me stating that I want my money back and I wanted to cancel the application. She told me to fax her the letter and she would personally hand carry it to the next stage. I went to my bank and told them about my story and said to go ahead and send them the fax. So the bank typed up a letter andfaxed it. They said that it would take 5 to 6 buisness day to get my money. I needed the money now as I had some checks that needed to be covered now. I asked my wife ever so nicely if she had the money to cover this. My wife said yes and I covered at least $100.00 in bills that would end up bouncing.

I don't know how they got my bank statement and this concerns me the most because they can take out any amount money out of my account at any time. I went to my bank and told them about the scam, and they told me that I should send them a letter saying that I no longer wanted their service and I requested that I wanted to be full reimbursedfor $99.92. So I sent it and I have 5 to 7 buisness day to get my money back? The Lady at the bank said that she will keepa sharp eye on my account, looking for any more money being taken out. If so, I will have to change my bank account #. I dont know how they got my bank checking # without my permission.

I am stressed about when is the next time I am going to be robbed. I cannot afford to lose money. I know I will never fill out another application online about anything because someone is watching you and ready to steal from you. I will never trust online gredit card gimmics. Now I have to change my checking account so I can keep these guys away from my money.

New Millennium Bank took $99.95 out of my mothers account; now I can't get them to put the money back in her account. She did not authorize this transaction. Now I am in trouble with her and the bank. Please advise on what to do.

The money that was taken out of her account created an overdraft resulting in $99.95 plus $30.00 overdraft fee.That is not right. I need help.

I received notice in the mail that I was approved for a credit card from New Millenium Bank and for a $49.00 processing fee for both cards. I could choose between a Master Card or Visa credit card. I sent the notification and a check for $49.00. New Millenium promptly cashed my check but as of this date I have not received my credit card. It has been 2 months. I don't know what to do at this point.

I was online looking at the credit card and was reading the fees part of the application. My husband and I decided that right now it was to much for the processing fees and annual fee for the amount of credit that it was going to allow us to have. We opted out of the online application and it charged our checking account anyway. We did not receive the card and someone from the credit card company called us to let us know that we would be receiving our card if we were still interested. We advised the caller that we were not interested but the processing fee was still taken out of our account and we were told that it would be about a week before the refund and it has been now almost a month. We would like our processing fee of $99.00 returned back to our account immediately.

This has caused a considerable amount of anxiety because not only that we had opted out of the online application before we agreed to anything but that a company would take what does not belong to them after the person decides to opt out and then call to see if the credit card is still wanted and have someone lie on the phone about how long it would be before the refund could be processed. I work in that situation about having credit cards processed and I know how long it takes but I also know when I have been stung by a company that only wants that processing money to make the interest off of it for as long as they can. You have made enough interest off my $99.00 and I would like it back because my family needs it more now than you do. You have caused enough considerable harm financially to my family as it is.

For a month I have been receiving automated calls from New Millennium Bank's Platinum Benefits Division. They call me via computer or automated system, then ask me to wait so a representative can speak with me. I waited and spoke with someone who offered me a secured credit card. Problem is I have been on the US Government's Do Not Call List for several years. I thought a do not call list was just that. These corporations need to be reigned in and fined for using illegal business practices!

A waste of my valuable time!

In October 2007 we sent $59 to the New Millenium Bank for our credit card and never received anything. Please see that this company is taken out of business because they are just cheating the public.

Physical damage has been unnecessary expectations and total waste of time, which is valuable. Damages estimated to $600.

On line New Millenium Bank said I was guaranteed approval. I sent credit card application fee of $99.95. They withdrew money right away. I received a letter in the mail stating that I was approved, and they wanted another initial $300 to be deposited into account. I have been trying to get hold of the company and want a refund. They definitely know how to cover their tracks, but they need to be stopped.

I recieved an application for a secured card . I read all the materials an was aware that after I paid my application fee that I would have to place a minimum of a 300.00 deposit in a savings account. I sent my application fee and waited for a follow up letter an deposit slip so i could send my money . I recieved nothing for 60 days and the check had cleared my account.

i called New Millenium and after waiting for nearly 45 minutes I spoke with an agent and informed them of my situation.They told me that they had not recieved my application. At this point I had been solicited by another company and was giving New millennium a chance to make things right. I was informed that they did not have my application . Meanewhile my check has been cashed, i was iformed that i would have to fax a copy of my statement and caqncelled check to prove that they cashed my check and write a letter stating i wanted my application fee bac and that i would recieve a check in approximately 3 weeks.

I waited a month and still nothing. I called again and asked to speak with a supervisor after waiting another 45 minutes to talk to an agent. I was put on the phone with Ms Doyle who was by far the most rude and unprofessional person I've ever dealt with. I informed her of my situation and she asked me to fax the same documents again.

I oasked for her email address so I could scan the documents and just email her. She said that her bank email address was confidential and could not recieve outside email. i then asked for her direct number so i could contact her to verify if she recieved my fax and she said that she did not have a direct number. I asked if she could contact me so i could make sure i recieved a fax and she said she couldnt because she gets many faxes.

one thing is i don t know how this company got my name but i just want this company to know that i am not sending no money because i am not fixing to get scammed just like the other people have but guess what tough luck because they are not getting my money because i know how these certain so called companies work they want to send you an offer about a credit card so they can just get your money and then when you send the money they don t send you what you paid for

I have 2 secured credit cards with New Millenium Bank. They are each secured with $2,000 cash. My balances are about $1,800 each. The high balances have a negative effect on my credit scores and also these cards have high fees. I want to get rid of these cards, but they tell me that I have to pay them off first and then they will send me my money in 3-4 months.

As a result they made my acct overdrawn, which caused me fee from my bank and caused my bank to kick back a payment to one of my credit cards, which in turn caused me to be late/overdrawn on that card. It's a domino effect and not in a good way.

New Millenium sent me a guaranteed approval, saying that if i sent them $37.50 not only would I get a visa card, but also a mastercard, both with limits of $5000. I haven't recieved anything as of yet ( it's been nearly 2 mnths )Robbing people of $29-$300 a pop adds up to fraudulent behavior & needs to be dealt with in a proper manner.

I am only 18 years old and I have several bills to pay. Not only do I have a $445.81 car payment each month but also a $85.00 cell phone bill that I alone have to pay. I only make $235 a week, so the $99.95 taken out of my checking account to pay something that I never received, was a big loss to me. Obviously, NMB is taking money from families.

Mr. Altamirano

I am a 32 year old married father with three kids. I am attending trade school and only working part-time. My wife is the stuggling provider of the house since I'm only working part-time and attending school. My credit isn't in that bad of shape but not good enough to get a credit card. So when I got this notice from I was happy. I thought this was a Bank that was going to give us help financially while I was attending school, but instead it was a Bank that was there to hurt us. That $59 that I sent to this Bank could have spent on something else that could have been useful. And if I wanted a savings account I would have went to the bank in my own town.

2007. I rusched and sent them a money order for $26.00 on May 2, 2007. I recently became concerened that I hadn't received my card. And now I realize that they are frauds. They are not going to send me a card. There is no customer service number to call. I've been ripped off. That doesn't feel good because I am disabled and cannot afford to give any con artists my money. I hope they get caught and burn in hell!

My credit score has been substantially reduced by showing this fraudulent debt, costing me increased interest payments on a $100,000 loan.

My credit report continues to suffer and I am unable to purchase a house. I have had to endure countless hours of phone calls and harassment by all parties involved. This has caused me undue stress and mental stain.

This place is using bait and switch tactics. You think you will get a credit card, but then they start charging you for everything. I would recommend you stay away from this place. One of the defenders said one of the stupidest things I have ever heard, I don't care how much money you have on a credit card, no one in their right mind wants to give away $35 to just anyone. I bet Kevin is really Carbon, or Sada or one of the other operators.

I am out $59.00 for the bogus processing fee

I was very shocked, and most upset with this, and I was put into a strong negative situation with a creditor, as a result of money taken out of my account, wich left me with no funds to pay a bill. In fact, I had my power shut off because of this.

Bottom line, I sent my deposit in on good faith that this bank was legitimate and they ended up being irresponsible. At any time in my life, especially when I was tempoarily unemployed, could have certainly used this $500. Basically, this bank owes me money and that's that.