• Report: #436867

Complaint Review: Clear Financial Solutions - Clear Breeze

  • Submitted: Mon, March 23, 2009
  • Updated: Thu, June 25, 2009

  • Reported By:Seattle Washington
Clear Financial Solutions - Clear Breeze
3208 E. Colonial Drive, Suite 157 Orlando, Florida U.S.A.

Clear Financial Solutions - Clear Breeze Card Services Professional scam artists - do not give them the benefit of the doubt Orlando Florida

*Consumer Comment: Not buying it

*REBUTTAL Owner of company: Clear Financial

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Others have written and accurately described the scam that lures people into this company's trap. I fell into it last August, and am reporting my experience of confronting them and receiving a "refund" (they admitted that the service they promised was never delivered) which never materialized...

The Beginning: Initially this company left me a message implying that they were calling from my credit card department. After I called them back, and by the time I realized who they were, I was already persuaded that they would successfully lower my credit card interest rate to 4.9%, and that the cost of the service "would pay for itself" within four months. Right. (My numbers are registered with the National DoNotCall Registry, by the way, so it did not occur to me that the message they left was fraudulent.)

The charge on my card was from a company called "Clear Breeze" -- had they used this name I would have caught it right away because it comes up in all kinds of scam-report websites, but CFS does not and I missed my window to figure that out in time.

The paperwork never arrived. The "financial advisors" never showed up for their confirmed appointment times. When I called them (because they didn't call me when they said they would), they would tell me that it says in my file that someone called but there was no answer (not true, I was at the phone when they told me they'd call). Finally, somebody listened to my list of issues and told me I would receive a credit on my account. I called each week for the next four weeks to check on it, and was told each time it was "being processed." Finally at the end of November, they called to tell me the refund had been processed, and they gave me the confirmation number. Of course, the refund didn't appear on my next card statement because the transaction was "issued" just before the Dec. 1 statement was sent out. I forgot to check in January and February, but when the balance on my March statement seemed unchanged, I called again. Each time I called they brushed me off by giving me the confirmation number in their records.

Knowing what I know now, I realize that they were buying time to slip through the 120-day window from the date of my end-of-August purchase. I have no backing from my credit card company now and they know it.

The truth is, these people are manipulative, persuasive and determined to slip through any crack to get what they want.

Status as of 3-23-09: After more than half a dozen phone calls to CFS today, I am being told that they investigated the credit they issued me in November, and found that the merchant account that issued it is now closed. They claim that the credit has been issued, they have the confirmation number, and there is nothing more they can do. I will not let this rest. I have reported them to the FTC, the National DoNotCall Registry, the FL State Attorney General and now the WA Attorney General. I am also contacting good friend at the IRS fraud division, and have posted my experience on every fraud-detecting web site I can find.

A full refund is my immediate desired outcome, but I have politely given them many, many opportunities to rectify this situation with a refund and they continue to give me the runaround (three different customer service reps have hung up on me today because I continue to press for an acceptable solution to our problem.)

Seattle, Washington

This report was posted on Ripoff Report on 03/23/2009 04:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/Clear-Financial-Solutions-Clear-Breeze/Orlando-Florida-32803/Clear-Financial-Solutions-Clear-Breeze-Card-Services-Professional-scam-artists-do-not-436867. 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.

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Updates & Rebuttals

#1 Consumer Comment

Not buying it

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

I wholeheartedly believe that this is the company that is using bad business practices and stealing money from hard working people. I comment on the structure of the rebuttal--the spelling, punctuation and grammar. What kind of education does this person have to write such a bad report? Obviously, the writer doesn't seem to have the education or training or attention to detail to do other than take people's money. I also believe that what goes around comes around and he will be a very sorry person some day.
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#2 REBUTTAL Owner of company

Clear Financial

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

I do not believe that you are refrencing the right company. We are fulfillment compnay that services clients sold by other marketing or sales companies. How that company advertises is not in our control and if they are calling people on the DNC list that is not our fualt. We are contract to service the customers that they sell and that is what we. We do not sell this service to any customers, we have in the past but stopped in November of 2008. We have shut down clear financial solutions in Feburary when we found out other sales companies were using our name to promote there products and we were taking the heat for there actions.

If you are one of the customers that we tried to service on the behalf of the marking company and have not recieved an refund then call us back and we will make every attemp to get your funds back. Since we are only paid a small fee to service and have not processed your funds we can't refund we can only submit the refund request to the company.

We pride our self on helping customers solve there debt issues. We try to help every customer depening on the situation they are in. I can say that we have saved over 150 million in interest and finance charges for people within the past year.

The companies that should be under the hot seat are the credit card companies that are charging 20% 29% and we have even seen 34% interest rates. That is the scam. We try to fix that for people and get them a managable interest rate.

Did you know if you are paying those interest rates you will probably never pay that debt off. It is a constant trap that the credit card companies have you in. Plus the fines and penelties that they inpose. Double cycle biling, changing due dates, holding mail so you are late.

I dont even think loan sharks charge that much in interest.

We have had 34 BBB complaints in 3 years while helping thousands of people get them selves out of debt and get on the right path.

There are alot of companies that sell this same service and might not do it in the correct maner but we do that is why I am responding to these points.
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