• Report: #133731

Complaint Review: Guardian Marketing

  • Submitted: Fri, March 04, 2005
  • Updated: Fri, March 04, 2005

  • Reported By:Marietta Georgia
Guardian Marketing
696 1st Ave. Suite 200 St. Petersburg, Florida U.S.A.

Guardian Marketing AKA Agents Travel Network AKA Capital Vacations AKA Teliflex Communications Inc. AKA VersiTalk These people take money out of our account without your permission. Saint Petersburg, Seminole, Holiday Florida *EDitor's Suggestions on how to get your money back into your bank account!

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Today I noticed that $49.95 was taken out of my account from a company called VersiTalk. I called the number for customer service and waited ten minutes to talk to someone. I talked to a woman named Jennifer Clemmins. I told her about the money and wanted to know who authorized the money taken out. She told me she couldn't help me because I called the wrong number. She gave me the number to Teliflex and said that was the number I should call.

Looking over my account for the past few months, I noticed that there were FOUR instances of this company taking money out. There was $59.95 taken out in January under the name of Agents Travel Network, Inc. Then in February Teliflex took out $49.95, and then Capital Vacations took out $19.95 last week. That is a total of $179.80 they have taken!

So, before I called Teliflex like Jennifer said, I called all the customer service numbers and cancelled my account with them through the automated service. I then called Teliflex. Guess who answered the phone? JENNFIER CLEMMINS! I told her that I just spoke with her and she told me to call this number. She said that she gets all the roll over calls. Anyway, I told her my story again, this time with two instances since Teliflex did take some money along with VersiTalk. She told me that she could refund the 49.95 from today (in 3-5 days), but not the other 49.95 because they have a 30 refund policy.

I told her that I never received information from Teliflex or Versitalk, so how was I supposed to know their policy? She told me that there was no sign of a bad address or returned mail in their system, so the information was in fact sent out. I asked her if the information was sent, then how come I haven't received it? She didn't know and said that they can't help what happens in the mail after they send it out.

After that conversation, I asked her what other companies was she affiliated with. She said they were a private organization and asked me who I was looking for. I told her about the four instances of funds taken from me and I gave her their names. I told her that I think that they are all related. She asked me why, and I told her that all of the four companies have the same recordings, same menu options, same wait times, and it didn't help that I called one number and got you, you tell me to call another number which is the right number and I get you again. Of course she denied everything.

After that phone call, I called Capital Vacations. You know who answered the phone. She told me that they were experiencing extremely high call volume and if I leave my name and number someone will call me back. I told her that I wanted to talk to someone right now. She wouldn't let me and told me that someone will get back to me as soon as they can.

Finally I called Agents Travel Network. I really really thought I was gonna get Jennifer Clemmins, but I got someone named Nancy. She gave me the same speech about call volume. I asked her could I ask a quick question, but she said that she only answers the phones and she'll have someone call me back really soon.

I think I'll call back and see if I can get Jennifer.

Marietta, Georgia

Click here to read other Rip Off Reports on Capitol Vacations

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


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!


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.


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

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

We are not lawyers.
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We are Consumer Advocates.
...the victims' advocate

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...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 03/04/2005 10:19 AM and is a permanent record located here: http://www.ripoffreport.com/r/Guardian-Marketing/St-Petersburg-Florida-33701/Guardian-Marketing-AKA-Agents-Travel-Network-AKA-Capital-Vacations-AKA-Teliflex-Communicat-133731. 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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