• Report: #123926

Complaint Review: CircuitMicro

  • Submitted: Tue, December 21, 2004
  • Updated: Mon, January 24, 2005

  • Reported By:Fort Stewart Georgia
CircuitMicro
25422 Trabuco Road #105-228 Lake Forest, California U.S.A.

Circuit Micro RIPOFF!! Fraudulent debit from my checking account!! VERY DISHONEST Lake Forest California

*Consumer Comment: Good Luck Carlee and Jared!!!

*REBUTTAL Owner of company: Not so

*Consumer Comment: Confused a lil ..you are a liar and a cheat and i can't wait to watch the news and hear that your company has gone down and your behind bars.

*REBUTTAL Owner of company: Wrong Again

*Consumer Comment: Obviously the Owner does not read his own contract

*REBUTTAL Owner of company: Do you always sign agreements without read them

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My husband and I decided to go online the other day (Dec. 19, 2004) to look for a new TV, as ours "died" over the weekend. Long story short, we stumbled upon the website circuitmicro.com -- WHAT A SCAM!

To our knowledge, we were just filling out an application to see if we could get approved for financing. During the application process, it asked us for our checking out number and routing number of our bank. That should have been a red flag right there, however, we gave them the information as they stated they only needed it to verify that we had an active checking account.

After doing that, it said we were approved and all we had to do was wait for an email to be sent to us in the next 1 to 10 business days. That didn't sound right to me so, I tried to contact the company to just go ahead and tell them we were no longer interested and to cancel our application so their time wouldn't be wasted.

On their website, it says that the only way we can contact them is via email. I tried that, however, they never responded. I didn't think much of it until I was checking our bank balance on Dec. 20, 2004 and found out that $39.96 was electronically withdrawn from our account by Circuit Micro.

Needless to say, we were pretty pissed when we found this out as, like we mentioned previously, we were just trying to fill out an application for credit approval -- we NEVER authorized them to take funds from our account. Thus, I have been on the phone all day today (Dec 21, 2004) trying to figure this whole mess out.

I have emailed them at least 4 times to date and still have yet to receive a response. On their website, they have a spot for "Live Online Help" which is NEVER available! Furthermore, they list their address but state that a customer service phone number is not available but "coming soon"!

However, upon calling directory assitance and giving them the address, I find out that the address (25422 Trabuco Road, #105-288, Lake Forest, CA 92630) doesn't even belong to Circuit Micro it's actually the address of Mail Boxes Etc. whom the company has a mailbox with.

Thus, I got Mail Boxes's number and called them and explained our situation. Thankfully, they were able to give me Circuit Micro's phone number 888-913-6100. Unfortunately, this did us no good what-so-ever.

I have called all day and everytime, I have gotten transfered to voice mail. There are 3 different menu options to choose from and all of them go straight to voice mail as "no one is availble to answer the call". You can't even leave a message in the customer service mailbox because it's so full it's not even accepting anymore messages!

Currently, we have filed a "dispute" with our bank to try to get our money back who knows how long that will take, though. Furthermore, if we have not been contacted by the company by tomorrow morning (Dec. 22, 2004), we will be filing a fraud report with our local law enforcement agency.

Hopefully, all of this information will help anyone else out there. We'd hate for someone to end up in the same boat we're in!

Carlie & Jared
Fort Stewart, Georgia
U.S.A.

EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

This report was posted on Ripoff Report on 12/21/2004 04:21 PM and is a permanent record located here: http://www.ripoffreport.com/r/CircuitMicro/Lake-Forest-California-92630/Circuit-Micro-RIPOFF-Fraudulent-debit-from-my-checking-account-VERY-DISHONEST-Lake-For-123926. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 3Consumer 3Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Good Luck Carlee and Jared!!!

AUTHOR: Jennifer - (U.S.A.)

Were with ya!! The public is FED UP with these disguisting and abusive practices. LET THEM HAVE IT!! CALL A LAWYER AND THE NEWS NOW!!!
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#2 REBUTTAL Owner of company

Not so

AUTHOR: Randy - (U.S.A.)

Yes you are correct, it is a request, but it is a request to process ones information and pull credit, and for this many companies do charge fees. For example apartments, real estate credit cards, and etc. The fees are listed on the payment information form, and yes, you have a choice of NOT SUBMITTING this form if you do not feel or want to pay the fees, no one is making anyone by force to enter this info. I even have gone to extremes such as posting a stop sign which informs you to read the terms and as a matter of fact, it was actually worse then without it. Close to 98% of people read the terms on both pages but unfortunately there is always that one out of a bunch that does not, and then of course everyone else is to blame.
Further more; we deal with bad credit, so we get a significant amount of request everyday, around 300 to 500 a day, from which I believe there is about 20 or so complaints about the fees, and this is simply because they do not read and go ahead and lie by clicking that they did and even check the I agree box implementing their agreement with the listed terms they just didn't bother to even read.

Now you tell me, how is this fraud, when the consumer digitally signs a debit authorization, and also notes that they agree with the terms.

Anyway, just to make everyone happy, I now have also included the terms about the fee on the application it self, so now, they will agree to it not once or even twice, but three different times, on two different forms.

I am also willing to make a bet, that it won't be more then 72 hours until this happens again, claiming that there are just not there, and complain. Even though they are the opens who didn't bother reading anything, simply because they just don't care, of course until the debit comes, this maybe also why they may have credit problems, simply for the lack of enough care.

I read terms, especially when I apply for loans or any other long terms contract, and the reason why I read them, because they are important, otherwise they would not be there.

Make any sence?
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#3 Consumer Comment

Confused a lil ..you are a liar and a cheat and i can't wait to watch the news and hear that your company has gone down and your behind bars.

AUTHOR: Heather - (Canada)

You obviously are not able to keep your people straight there Randy. you keep telling me not to agree to things that I have not read. I HAVE NOT FILLED OUT AN APPLICATION FOR YOUR COMPANY. I WOULDN'T AGREE TO THE TERMS YOU HAVE LISTED. I HAVE NOT HAD $40 taken from my account for filling out a 'pre-qualification' application form as some other consumers have
Stop referring to me as if I am a customer. I am a person, reading these stories by CHANCE searching for a differnet company and wondering why the hell you are allowed to get away with the things you have.

Explain to me how the 'contract' that you quote and the 'application' that i quote are soo close together. That the terms of the loan are the same in each, except for your paragraph of how the finance charge is returned.

When a customer fills out a "financing application" they are asked if they have a checking account. I have not filled out the application to know if you hit yes whether another field pops for the info on the bank.

However, no where on that application does it state that they are going to get charged a financing fee for submitting the application.

An application is not a promise. it is researching to see if someone qualifies. The customer can decide that they don't want the item even if you have pre-qualified them!

"You are submitting a request for a loan pre-qualification, " taken right from your site.
Somehow, your customers after submitting this "request for loan pre-qualification" are getting finance charges.

The fact, at this point is, that you are a liar and a cheat and i can't wait to watch the news and hear that your company has gone down and your behind bars.
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#4 REBUTTAL Owner of company

Wrong Again

AUTHOR: Randy - (U.S.A.)

You are wrong again Sherlock Holmes

If you noticed, but I doubt it, there is no place on the application to enter your banking information, so by completing the application (only), would obviously not lead to a charge.

I assume you missed that small fact since you are quoting the applications terms, and how the terms are not correctly listed

WOW, GREAT JOB ON THOSE BAD INVESTIGATIVE SKILLS

HHHMMMMM, WELL; WHY SHOULD THEY? ESPECIALLY SINCE YOU ARE NOT ASKED FOR PAYMENT INFO ON THE APPLICATION

HELLO, ANYONE HOME!!!@@!!@#@#

Since you are claiming to be such a Genius, would you care to explain then why the charges and the related terms to the charges, would be on the application it self, for which you are quoting here? Since unless our software is psychic and somehow DREAMED UP the information out of the thin air, there is no way to be charged, since you are not asked for payment information.

Care to give a new bright opinion that makes no sense?

So in conclusion, this probably means that this document is elsewhere including the terms of where you are asked for your banking information, further more, I'm just not as dumb as you may think I am and not list the terms and only a handful of people like your self who can't think claim they are not there out of about 80 thousand applicants in over two years. Kind of funny isn't, I would say if they weren't there would be a lot more the 10 or 20 people that would have complained, probably closer to 79 or 80 thousand. Which would mean this site might as well have been dedicated to CircuitMicro.com complaints, since that is all you would see.

But that is not the case, so the reality is, Next time don't agree to things you have not read especially when you have to check a box that says (I Agree) and no you won't find it on the application Sherlock. READING WON'T HURT A BIT, IT'S FREE, AND IN THIS CASE COULD HAVE SAVED 40 BUCKS, SINCE THERE WAS NO INTENT TO BUY ANYTHING TO BEGIN WITH. ONLY THE INTENT TO WASTE OUR TIME, AND TO WASTE OUR TIME, WE CHARGE $40.00.
ESPECIALLY SINCE I PAY MY EMPLOYEES TO PROCESS EVERY APPLICATION, AND THEY DO NOT TO WORK FOR FREE LIKE YOU FEEL THAT THEY SHOULD.
NEXT TIME TRY THE SALVATION ARMY, THEY PROBABLY HAVE WHAT YOU ARE LOOKING FOR SINCE $40.00 IS BIT TOO MUCH FOR YOU.

Ps:
People are not as dumb founded as you may think they are, especially the ones that deal in funding or finance. Maybe in Canada they are, but not in the US; So Sorry Sherlock
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#5 Consumer Comment

Obviously the Owner does not read his own contract

AUTHOR: Heather - (Canada)

I have been on this website looking for Circuit City Rip offs (only cause i used to work with them and find them a bit funny) and I keep comming across these Circuit Micro Rip offs.
What stood out to me was that "Randy - Lake Forest California" the owner of this company, filed a rebuttal stating that the comsumer did not read the agreement.

When I was reading what he said the agreement stated, there was a typo. "acceeds" when he meant "exceeds"

This struck me as wried, this is supposed to be a legal document he is showing, they allow typos in legal documents? I went to the website and this is what the agreement ACTUALLY states:

THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT PROHIBITS CREDITORS FROM DISCRIMINATING AGAINST CREDIT APPLICATIONS ON THE BASIS OF RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, MARITAL STATUS, AGE (PROVIDED THE APPLICANT HAS THE CAPACITY TO ENTER INTO A BINDING CONTRACT); BECAUSE ALL OR PART OF THE APPLICANT'S INCOME DERIVES FROM ANY PUBLIC ASSISTANCE PROGRAM; OR BECAUSE THE APPLICANT HAS IN GOOD FAITH EXERCISED ANY RIGHT UNDER THE CONSUMER CREDIT PROTECTION ACT. THE FEDERAL AGENCY THAT ADMINISTERS COMPLIANCE WITH THIS LAW IS THE FEDERAL TRADE COMMISSION, ECOA COMPLIANCE, WASHINGTON, DC 20581
CREDIT
You must meet the following credit criteria in order to get financed: 18 years of age, U.S. resident, verifiable social security number, minimum combined household gross monthly income of $1600 and have no un-discharged bankruptcy. CircuitMicro.com inc and their affiliates reserve the right to decline an application if the applicant has a current active loan with us or formerly had a loan account with CircuitMicro.com inc and defaulted under the terms of that account

California Residents - A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit reporting reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. You have the right to prohibit the disclosure to marketers of goods or marketing information concerning you, which discloses your identity.

New York Residents - Consumer reports may be requested in connection with the processing of this application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies, which have provided us with such reports.

Kentucky Residents - You may pay the unpaid balance of your account in whole or in part at any time.

You must be of legal age to obtain credit. You authorize CircuitMicro.com and there affiliates to obtain a credit report on you from consumer reporting agencies and to make such other investigations and inquiries as they deem appropriate, for any legal purpose. Any legal purpose includes consideration of this application and subsequently any update, further extension of credit, review, or collection of your account.

You are submitting a request for a loan pre-qualification, a loan application thru Circuit Micro (hereinafter, a "Request"). Circuit Micro can only give you the benefits of our service by conducting its business through the Internet. If your request is denied, you will be informed whether any credit report was requested, and if so, the name and address of the consumer reporting agency furnishing this report. Your initial credit limit and rate will depend on how you meet the established income and credit standards not limited to a valid Us Bank account for repayment ability. Multiple applications received by the same lender within a 90-day period may be treated as duplicates and only the original application will be considered. Any orders cancelled in the first 30 days (if) and (or) after any payment or payments are received are subject to approval. Approvals for cancellations are by the lender to determine if you are obligated under the contract to pay reasonable cancellation or penalty fees. There are no Refunds on Financing.

Monthly payments estimated on the site are based on standard product price (excluding shipping/handling/taxes), on a 48 month term, at 14.99% OAC. Rates very from 14.99% and up to 21.99% APR. The APR is not guaranteed and may change. Actual payment amount and repayment terms may vary. Repayment terms very from 12 to 48 months, you also may be eligible to receive 0% Apr, for 12 months per our current promotion of (12 months same as cash promotion)

This was taken from the CircuitMicro website at 2:15 EST on Dec 25th.

I would bring what Randy stated to a Lawyer, because he stated that you can get your "loan origination and underwriting fees of $39.96" refunded! While what is on thier website says that they cannot be refunded.

oh and just for amusement purposes.. his typo worrd 'accedes' means To give one's consent, often at the insistence of another; concede. " anyone else amused?
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#6 REBUTTAL Owner of company

Do you always sign agreements without read them

AUTHOR: Randy - (U.S.A.)

By checking "I Agree" and Clicking the Submit Button confirms you, have read and agree with the terms below.

I Agree
To Continue you must Check this

THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT PROHIBITS CREDITORS FROM DISCRIMINATING AGAINST CREDIT APPLICATIONS ON THE BASIS OF RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, MARITAL STATUS, AGE (PROVIDED THE APPLICANT HAS THE CAPACITY TO ENTER INTO A BINDING CONTRACT); BECAUSE ALL OR PART OF THE APPLICANTS INCOME DERIVES FROM ANY PUBLIC ASSISTANCE PROGRAM; OR BECAUSE THE APPLICANT HAS IN GOOD FAITH EXERCISED ANY RIGHT UNDER THE CONSUMER CREDIT PROTECTION ACT. THE FEDERAL AGENCY THAT ADMINISTERS COMPLIANCE WITH THIS LAW IS THE FEDERAL TRADE COMMISSION, ECOA COMPLIANCE, WASHINGTON, DC 20581

By pressing the submit button above, you guarantee that you are at least 18 years old and the data above is complete, true and accurate to the best of your knowledge. You further authorize Circuit Micro and their affiliates to verify the data included in this application in whatever way deemed necessary and appropriate.

CREDIT
You must meet the following credit criteria in order to get financed: 18 years of age, U.S. resident, verifiable social security number, minimum combined household gross monthly income of $1600 and have no un-discharged bankruptcy. CircuitMicro.com inc and their affiliates reserve the right to decline an application if the applicant has a current active loan with us or formerly had a loan account with CircuitMicro.com inc and defaulted under the terms of that account

California Residents - A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit reporting reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. You have the right to prohibit the disclosure to marketers of goods or marketing information concerning you, which discloses your identity.

New York Residents - Consumer reports may be requested in connection with the processing of this application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies, which have provided us with such reports.

Kentucky Residents - You may pay the unpaid balance of your account in whole or in part at any time.

You must be of legal age to obtain credit. You authorize CircuitMicro.com and there affiliates to obtain a credit report on you from consumer reporting agencies and to make such other investigations and inquiries as they deem appropriate, for any legal purpose. Any legal purpose includes consideration of this application and subsequently any update, further extension of credit, review, or collection of your account.

You are submitting a request for a loan pre-qualification, a loan application thru Circuit Micro (hereinafter, a "Request"). Circuit Micro can only give you the benefits of our service by conducting its business through the Internet. If your request is denied, you will be informed whether any credit report was requested, and if so, the name and address of the consumer reporting agency furnishing this report. Your initial credit limit and rate will depend on how you meet the established income and credit standards not limited to a valid Us Bank account for repayment ability. Multiple applications received by the same lender within a 90-day period may be treated as duplicates and only the original application will be considered. Any orders cancelled in the first 30 days (if) and (or) after any payment or payments are received are subject to approval. Approvals for cancellations are by the lender to determine if you are obligated under the contract to pay reasonable cancellation or penalty fees. There are no Refunds on Financing.

Monthly payments estimated on the site are based on standard product price (excluding shipping/handling/taxes), on a 48 month term, at 14.99% OAC. Rates very from 14.99% and up to 21.99% APR. The APR is not guaranteed and may change. Actual payment amount and repayment terms vary. Repayment terms are from 12 to 48 months, For qualified Buyers, a 0% Apr (180 days same as cash) is available.

You also further Authorize CircuitMicro.com and their affiliates to electronically debit your account supplied above, for the loan origination and underwriting fees of $39.96, which is required buy the institution that has approved your request. Once your financing is finalized, we'll refund you the fees in store credits toward your purchase, if your purchase is over $1000.00 we will double it, and triple it If your purchase accedes $2000.00

In the unlikely event you change your mind, and choose not to participate, after you have submit your information, we will not be able to credit you the fees, the fees are otherwise non-refundable to cover the approval process.

Please Do Not give us closed or incorrect account numbers, It will

only prolong the processing of your application and also trigger additional and unnecessary verification steps by the finance company, since this will raise a red flag.

If your payment is dishonored by your financial institution due to insufficient funds, You agree to pay a service charge of $25.00 (US), or the maximum allowed by law. You also agree that we may electronically collect returned items, service charges and other applicable charges. This payment transaction, and any associated collection efforts will be governed by the laws of the State of California, USA.

By completing and submitting a Request through CircuitMicro.com you acknowledge the receipt of this document.
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