New Millennium Bank Reviews

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 My checking account was withdrawn $99.95 from New Millennium Bank and it's been a month and I have not received a card from the company.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.

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.

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 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.

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!

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 an NSF of $28.00! I balance my checkbook thoroughly. Due to this unwanted withdrawal, several of my bills are now late.

I applied for credit card with $99.95 taken from my checking account. It has been over a month and no credit card. I have sent e-mails and gotten no response. This really sucks! I could have used that money for Christmas presents for my grandson.

Said company debited $99.95 from my old representative payeeship bank account. This was unauthorized by myself or the payeeship program. Said company says I emailed them this bank account info. Payeeship program had local police come to my home yesterday to find out how/why I did this. I have only had contact with said company over a year ago to apply for a card, paid via money order. I never received card. Said company has an application number but claims to have no other info regarding this matter. This is definitely fraud. Where do I go from here?

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

I filed a complaint with ConsumerAffairs.com. Within 2 days, I received a 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 with affidavits regarding forgery/fraud on my account by New Millennium Bank. In addition to the time and aggravation, I now have to close my account and buy new checks. Why are these criminals being allowed to continue to operate their so-called business?

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 haven't. I would like my money back, and I see I'm not alone. Any help will be appreciated. Call me.

Well, this company mailed me a credit card app. and said mail in a money order for $35. I did. I haven't got a card or an answer. I want my money back but I got a cashier's check from my bank and am going to 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, I gave them $300 for $5,000 credit limit, I didn't get the credit limit. I didn't get the money back, a total bogus. I hope all the people that 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, let's catch these bad people. Tell us how to catch these people and how to do it.

I filled out app and gave permission for them to take $300 for secured account / credit card. I received nothing x 4 weeks after they took my money. I called - they said they had been calling me, needed more info. I advised, "We're on phone now. what info do you need?" They said they would email it. I filed complaint, received 2 emails from them in the next 30 minutes. I have now called & emailed, requested my money be returned. I advised, "I don't like how you're doing business, and don't want to do further business with you. Return my money." There is no response.

I just noticed that a check from my bank was made out to New Millennium 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. My husband works but I have not been able to find employment. We are having a very hard time paying our bills and cannot afford to pay for my schooling so I had to quit. I am very disappointed in companies like this that have no concern for people that have a hard time. It is a disgrace.

I sent a $35 check for Visa card. No credit report would be filed or requested. I would have all bank card purchase and charge privileges and benefits including ATM cash availability, 24/7.

I recently looked at my bank account and there is an unauthorized debit for the amount of $45. I do not have a credit card or anything else with the bank. The check number was ** and the reference # is **. 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. I have also filed a claim with my bank, Citizens 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 paid an extra fee for a rush delivery, $59.00! I 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! That $59.00 could have went for Christmas gifts for my grandson!

On November 14, 2009, I received a letter from this bank with an approved and guarantee number towards two Platinum credit cards totaling $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. As I read the complaints about this bank's tactics, I keep wondering why does the government allows this kind of thievery to continue unpunished. Someone needs to wake up and put a stop to these people.

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 was 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 damn shame that they and many others preyed on people who really need the money. I guess the people who could afford a charge were smarter than us or they don't look at ads like that.

They offered me a MasterCard and a Visa card both with $5,000 a piece with a guaranteed 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. I was going to use this for my kids Christmas.

My dad got mixed up with sweepstakes reporting companies, was getting 20 to 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 two credit cards to pay other winners. My sister and I took him to court. I found a check he wrote New Millennium Bank for a Visa and MasterCard. He never got the cards. I did have him on life lock.

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.

I never gave electronic check info, they 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 an email, got anything in the mail whatsoever. Now it overdrew my account and when I called, you cannot 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 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 a number that no one answers. I'm guessing I've lost the $35 fee they took under deceptive pretenses. I'm worried that they will attempt to take more because they now have my account numbers.

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 Millennium sent me an application for a credit card, secured. I had no need for it so I disregarded the letter, not filling out the application that was with the letter. Unknown to me, my Bank of America received a $99 electronic transaction. Now the acct. had 0 monies in it so this transaction the bank approved and paid on my behalf and called me after the fact to tell me I was $105.00 overdraw!

I was sent a letter asking me to purchase a visa card from them at the cost of $29.95 without any conditions attached to it. But after payment being made with the hope of receiving my visa card, I was later sent another letter requesting me to open an additional saving account with them which for no reasons I feel they are playing some con or scan game. Upon receiving their second letter, I then immediately called their customer 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 will 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. Secondly, if nothing is done about it, I am willing to go an extra mile to send an open letter to the president of such bank dubious activities following this challenging period in time.

I went to apply for a credit card with them and I didn't finish because they said you need a savings account and $300 in the savings. I didn't 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 an email about a credit card. I went to fill out their application and was chatting with a representative online. They told me it was free to see if I could get the credit card. After I found out that they needed money to get the card, I said, "No thanks, I didn't want the card." After checking 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 have a family of 6 and only have my income on a tight budget. I didn't have the $99.95 in my checking account so I was charged $35.00 in overdraft fees. I need every penny I earn to pay bills and to take care of my family.

I was looking on my bank statement one day, and I noticed that there was a charge for a $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 which 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 for it.

I applied for credit cards and did not receive 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. I waited 2 months and still haven't received them. I called Millennium and 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 received anything; it has been 3 more weeks.

I went online 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 and without my approval! Now that I'm aware of what happened, I tried 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. I was online 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 had my chemo payment bounced so now I can't go back until I get this cleared but I'm negative $69.97 in bank. What the heck?

I sent $35.00 for credit card and $10 more for rush. I have one week and I can receive nothing. I think this bank is fraud.

I was applying for a prepaid Mastercard online only to receive one in the mail stating I needed to send in $300 to get started. I felt like I should be able to put whatever 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 got back, there was a $99.95 withdrawn from 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 I'm about to do now. But if they don't return my money, what do I do next? Is there anyone who can give me any advice besides not to use the internet to find a prepaid card because you'll get ripped off?

I went to apply for a credit card online, and then at the last second I’ve seen how 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 because 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 magnifying glass to 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 for helping me. I know your mom would be proud of you. Mine is for me taking action like this on my own in the shape I am in. The date of transaction is 07/08/09.

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 received 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 check with my name and address on it, and I do not use checks of any type.

I received a letter from New Millennium 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 **, 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.

I received their two for $5000.00 account applications. I looked them over. Looked like a scam to me, so I shredder eat them for lunch. I double checked ConsumerAffairs.com, and sure enough they did have complaints against them. 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 from your account without you finalizing the account should be liable for consumer fraud and theft.

This happened about five years ago when I received a mail from New Millennium Bank stating that they can repair my credit and give me $5,000 and another set of $5,000 equaling up to $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 or $35. I didn't think anything of it at the time so I sent in the money to them and after they have mailed me another letter stating that I have to send in $50 more, then on I knew it was some kind of scam!

I received a letter from this company offering me 2 platinum credit cards for a total of $10,000 credit limit ($5,000.00 each for a fee of $35.00 each). 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 deciding to fill out anything. Don't be a victim!

I too received the application to restore my credit with twice $5,000 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. I will print some of these complaints and send to them since they pay for postage! Thanks guys for taking the time to post your concerns. It helped me and who knows how many other seniors. I also will forward this site to my friends.

This company is a joke. I started to fill out an application and after I realized what this was, I backed out of the website and never finished the application; yet, they were still able to access my account and withdraw $99.95.

I received a letter indicating I would receive up to $10,000 in credit. There would be no credit check and I was guaranteed 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 misled by their advertisement.

I paid a $32 return fee from my bank, but I sent that debit right back to them! Luckily 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 Millennium bank to get a secured credit card to rebuild and repair my credit. It did state that it would be a 99.00 dollar application fee. Well look into my Wachovia account, the 99.00 dollar fee has been withdrawn but I have not received the card. What makes it worse I was just looking at the complaint about people that did the same thing and never received their card nor their money back and some of the people applied like years ago. This not right. It's fraud.

I received a letter indicating I would receive up to $10,000 in credit. There would be no credit check and I was guaranteed 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'm very upset and stressed to know that I was misled by their advertisement.

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 website. 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 nonrefundable, tell me this isn't a scam. All I want is my money back, but looks like I'm just ** out of luck.

I just wanted to say thank God for the internet postings about this company. I believe it is a scam after reading all the complaints. I recently received a form stating that I could receive a $5,000.00 -$10,000.00 credit limit by just sending a processing fee of $35. Though it did state information about this being a secured card and I figured it would be since I have some blemishes to my credit at this time. Nonetheless I thought it would be a good way to rebuild my credit so I almost sent the money. I'm 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 your 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 printout showing I was consistent 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 there 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!!

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 money order and have not received any cards. After reading these complaints, I too feel like I have been a victim of fraud and these people should be stopped. With the economy like it is, people do not have the money to just throw away to some scam that are being run by some heartless and manipulating people. I would LIKE MY MONEY BACK NOW!!!!!!! It could be put to better use.

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. And for those who don't have a phone #, the one listed on my application is **. Give it a try and good luck!

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 taken out, I didn't submit it. How can people get away with stuff like this?

This is BS. They don't have a number to reach them. They have been getting money out my bank for $99.95 at a time. I never receive a card from them. They have got me charged from my bank. They should be stopped.

Somehow they got my bank account numbers and they got 99.95. They have several websites and are scamming money from thousands of people. Beware of New Millennium. My account was overdrawn so I also got charged for that also. I had to close my account and have direct deposit changed as well as direct withdrawals. These people can't 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 MasterCard and $6.00 rush fee. Altogether it was about $35.00. A week later, I went to my bank where I purchase 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 there 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 of 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 can'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 was 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.

I was searching for a card that could help me restore my credit after BK (Bankruptcy, for those that don't have a strong grasp of English). I say it like this because it seems that NMB has written the terms and conditions in English. After searching for some hours for the best deals, two cards stick out. Applied an NMB. I say this because the fee structure and interest rates are reasonable for poor credit. If you have no credit I would go with the BofA Secured Credit card. During my search I came across this blog regarding NMB. It scared me. I thought my research had produced a lemon. So I decided to put it to the test. I called NMB. If I were to believe many of you, this would be an 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 you're 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.

Silvestre, Menands, NY (01/26/09): They sent me an activation envelope with a congratulatory statement. It stated that I was preapproved 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 it's my belief that my money has been stolen. Thank You.

I applied for a New Millennium 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 apparently had all of my information. I emailed them and asked for account information. No response. The next day I saw that my bank account was debited 99.95 and I never received 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 waited 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. That's a bunch of bull.

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 Millennium and a police report in my town has been filed along with reports to the BBB and Attorney General's 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 just want to defend New Millennium 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 received 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 deceived, but I hope that maybe some of you can find some solace 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 have an address and phone number for NMB. I do not know if they are real but maybe some of you can make contact and receive the refunds you clearly deserve. Address: 57 Livingston Ave. P.O.Box 2682 New Brunswick, New Jersey 08903-9912 Phone number: 1-732-729-4395.

I applied online for a card, never received one on phone number whatsoever. So if anyone has a number to this company place it on this site so all those who got ripped off can call these s*b, please.

The New Millennium Bank sent me an application for a MasterCard or Visa. I applied for both which I had to send off $43.50 by Money Order. I sent it off at the beginning 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 to help me get my children's Christmas gifts with and now I can't get them any now because used my cash on hand and paid all of my bills up front and ahead of time.

I paid my credit card bill online 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 ** 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 have until Tuesday, 12/23/08, because of company policy.

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. Thank you. I think Millennium 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 you for taking the time to read this.

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 it 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. If anyone out there has no credit like I do, go with premier bank card - they are excellent and have always been courteous. Yes, they ask for an application fee but they do send you your credit card with a 200 dollar limit, and you build credit fast. In just six months, my credit score jumped from 548 to 580.

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 scammed for a processing 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. My name is Berrel, I believe this company wronged me, and if you feel the same band with me to take them to court, you can e-mail me at my name at hotmail dot com. **.

I signed up for a credit card over the internet and was told to provide the information of my retirement account from which I would be mailing payment. NMB processed a payment from my retirement account for $99.50 on November 6, 2008, after which I have 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?

I was sent a letter stating for 35 dollars I'd receive a MasterCard. Never got it... I want my money back.

The same thing. 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. I was in the need of money because I haven't work good since 3 weeks. I send the application. My question is if I changed my mind because I did not receive anything, why I can't get my money back? Don't 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 is going to happen so they make money.

We sometimes make mistakes but they are committing 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 they need to pay me for those costs immediately? I have my own attorney

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 attorney 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 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 CARD. 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 nowhere, Millennium 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 resources? Now I found out they put this on my credit report. This is fraudulent.

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. My suggestion: Read over everything before getting into something you know nothing about.

They took 99.95 out of my husband's account and now they haven't sent me nothing and they have no way to contact. They ripped me off but I will get a lawyer to fight this matter.

I did not understand that Millennium Bank was going to take any money out of my account. I am overdrafting in my account. Is there any way of canceling? I don't even mess with credit cards. I misunderstood the whole thing. If I didn't have money in my account the first time why would you run it again? PLEASE STOP. I DON'T WANT IT!!! 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 quite some time for a response by mail. I checked my online bank account 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 from 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 bank's 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.

Above phone # is their customer service #. I applied for 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 received 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 a lot of money to me.

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 have reported it to my bank as fraudulent and should I not receive 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.

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 .

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 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).

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.

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.

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

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.

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.

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.

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.

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!

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.

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.

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.

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.