• Report: #14162

Complaint Review: JT Card Services, Household Protection Plus, First Lenders Insurance Service, & Wells Fargo

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Thu, February 14, 2002
  • Updated: Sat, October 05, 2002

  • Reported By:Omaha NE
JT Card Services, Household Protection Plus, First Lenders Insurance Service, & Wells Fargo
13400 Sutton Drive South, Suite 1203 Jacksonville, Florida U.S.A.

First Lender's Insurance Service, Inc. & JT Card Services, L.L.C. & Household Protection Plus Co ESI-MSF, Credit Card Scam, Household Insurance Scam, Unauthorized Bank Withdrawl Scams, Wells Fargo Bank

*UPDATE Employee: False Accusations

*UPDATE Employee: False Accusations

*UPDATE Employee: False Accusations

*UPDATE Employee: False Accusations

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

Back in October 2001, I was relocating with a new job and applied for a credit card with my bank, Wells Fargo. They disapproved my application due to a bankruptcy in 1995 despite the fact I was making over $44,000 per year income. I gave Wells Fargo my "mother-in-laws" phone to contact me at. No one else knew that I was there. Several days after the disapproval, I received a call from JT Card Service at my mother-in-laws house telling me that I was approved for the credit card with a limit of $2,500, plus I would receive a $100.00 Gas Card after they deducted the processing fee of $174.90 from my account...which they did. They told me that the card would arrive within 4 to 6 weeks. I asked them how they knew I was at that number and location and was told that the information was provided to them by my bank.

Needless to say, after returning from training in several different states the card never arrived. The company stated they were having problems with getting the cards produced due to the volume. Weeks turned into months. Excuse after excuse after excuse after excuse.

Within a month an a half, unauthorized withdrawals starting coming out of my account for some company which calls themselves Household Protection Plus. I never agreed or signed up for such insurance.

I called JT Cards Services back and told me that they would no longer deal with the situation because all they were doing was making phone calls for a company named First Lenders Insurance Service, Inc. I contacted First Lenders and they told me that they were the ones providing the "customer service" for JT Card Services.

After visiting their website http://www-first-lenders.com and contacting an individual named Jerri Sarvadi, they are not only the people who created the credit card fraud, but were also "Household Protection Plus".

It has now been 6 months and the services which I "supposedly" purchased were never provided by any of these people. This is clearly theft, invasion of privacy, and surely breaks the privacy information acts with the information being provided by the banks, card companies, etc.

I intend to take this as far as I have to and as long as it takes to put these thieves out of business and retrieve my money as well as everyone else who was ripped off by First Lenders Insurance Service, Inc., 13400 Sutton Park Drive South, Suite 1203, Jacksonville, FL 32224-5270, phone number 1-904-223-2120, FAX: 904-223-2157 and JT Card Services, Address Unknown, phone number, 1-877-876-7890. And I will surely sue Wells Fargo also if I can prove that they were in fact responsible for providing my personal information to these people.

I also intend on filing for privacy damages, unauthorized information exchange, etc. If you have any other information which may be useful in my case. Please post your Consumer Comments to this by clikcking on the REBUTTAL box below.

After visiting this website http://www.badbusinessbureau.com.,it is painfully obvious that a lot of people were taken for a ride.

Leonard
Omaha, Nebraska

Click here to read other Rip-off Reports on Wells Fargo Bank

Click here to read other Rip-off Reports on First Choice Card Services aka JT Card Services,LLC aka EC Network Processing Center aka Tri Century Bank aka Tri Century Card Program

*UPDATED info ..Click here to find out HOW TO DEAL WITH PHONY CREDIT CARD RIP-OFFS **Get your money back, **Stop them from taking more of your money, **Stop them from ruining your credit

Click here to read other Rip Off Reports on Household Protection

This report was posted on Ripoff Report on 02/14/2002 12:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/JT-Card-Services-Household-Protection-Plus-First-Lenders-Insurance-Service-Wells-Fargo/Jacksonville-Florida-32224-5270/First-Lenders-Insurance-Service-Inc-JT-Card-Services-LLC-Household-Protection-P-14162. 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.

Click Here to read other Ripoff Reports on JT Card Services, Household Protection Plus, First Lenders Insurance Service, & Wells Fargo

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
0Author 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

False Accusations

AUTHOR: Westley - ()

I recently read the information contained in the Rip-Off report on First Lenders Corp. As an employee, I was shocked by the misinformation contained in the report and since our company was named as the bad guy, I wanted to set the record straight.



In September of 2001, First Lenders/Enhancement Services, Inc. entered into a contract with a company named JT Card Services (JTCS), to serve as a third party service provider. Basically our obligation was to answer customer service calls for a product that JTCS was selling. In addition to the product marketed and owned by JTCS, they agreed that they would offer their clients a 30-day free trial to our product, Household Protection Plus (HPP). Household Protection Plus is a membership program that provides benefits to homeowners and renters that may be required to vacate their home in the case of an emergency. It offers emergency cash and lodging, emergency phone messaging, photo and detailed written inventory of your personal property, homeowner's deductible repayment, along with best buy, comprehensive purchase and extended warranty protection. If any consumer is not satisfied with the HPP Membership program, he or she may cancel at any time in the first three months of membership and receive a full refund, unless a membership benefit has been paid. If the client does not cancel within the first 30 days, his or her account is charged the annual membership fee. To ensure accuracy, we tape record all acceptance calls so the call may be played back for the consumer in the event that there is any questions concerning customer acceptance. Once the 30 day free trial begins, our company sends the client a membership packet, containing all pertinent information to benefits, terms, and conditions. If after the client has been billed, he wants to cancel, and it is within the first three months, we will refund his money, no questions asked.



As I mentioned, we began our relationship with JTCS in September 2001 and terminated our relationship in January 2002, as we found that JTCS was not sending their clients the products that had been marketed. Our only role with that company was to handle customer service for them and when we determined the company was not taking care of its clients, we terminated the contract. The only product for which we were responsible was Household Protection Plus. I can safely say that Leonard did agree to try this product's 30 day trial membership. I can also say that there are tapes to verify the conversation. The sad thing is that Leonard could have simply cancelled the contract in the first 3 months and received a full credit. We do not want members that do not want our product and we refund many every day with no questions asked.



Leonard's accusations of First Lenders/Enhancement Services are false and unfounded. It is unfortunate that he had a bad experience with JTCS, but that is not our company and we were privately contracted to perform a service for them. Household Protection Plus has over 100,000 satisfied members and they are satisfied because we have their best interest in mind and we operate legally. I would be more than happy to discuss his unfortunate situation if he would like to contact me.
Respond to this report!
What's this?

#2 UPDATE Employee

False Accusations

AUTHOR: Westley - ()

I recently read the information contained in the Rip-Off report on First Lenders Corp. As an employee, I was shocked by the misinformation contained in the report and since our company was named as the bad guy, I wanted to set the record straight.



In September of 2001, First Lenders/Enhancement Services, Inc. entered into a contract with a company named JT Card Services (JTCS), to serve as a third party service provider. Basically our obligation was to answer customer service calls for a product that JTCS was selling. In addition to the product marketed and owned by JTCS, they agreed that they would offer their clients a 30-day free trial to our product, Household Protection Plus (HPP). Household Protection Plus is a membership program that provides benefits to homeowners and renters that may be required to vacate their home in the case of an emergency. It offers emergency cash and lodging, emergency phone messaging, photo and detailed written inventory of your personal property, homeowner's deductible repayment, along with best buy, comprehensive purchase and extended warranty protection. If any consumer is not satisfied with the HPP Membership program, he or she may cancel at any time in the first three months of membership and receive a full refund, unless a membership benefit has been paid. If the client does not cancel within the first 30 days, his or her account is charged the annual membership fee. To ensure accuracy, we tape record all acceptance calls so the call may be played back for the consumer in the event that there is any questions concerning customer acceptance. Once the 30 day free trial begins, our company sends the client a membership packet, containing all pertinent information to benefits, terms, and conditions. If after the client has been billed, he wants to cancel, and it is within the first three months, we will refund his money, no questions asked.



As I mentioned, we began our relationship with JTCS in September 2001 and terminated our relationship in January 2002, as we found that JTCS was not sending their clients the products that had been marketed. Our only role with that company was to handle customer service for them and when we determined the company was not taking care of its clients, we terminated the contract. The only product for which we were responsible was Household Protection Plus. I can safely say that Leonard did agree to try this product's 30 day trial membership. I can also say that there are tapes to verify the conversation. The sad thing is that Leonard could have simply cancelled the contract in the first 3 months and received a full credit. We do not want members that do not want our product and we refund many every day with no questions asked.



Leonard's accusations of First Lenders/Enhancement Services are false and unfounded. It is unfortunate that he had a bad experience with JTCS, but that is not our company and we were privately contracted to perform a service for them. Household Protection Plus has over 100,000 satisfied members and they are satisfied because we have their best interest in mind and we operate legally. I would be more than happy to discuss his unfortunate situation if he would like to contact me.
Respond to this report!
What's this?

#3 UPDATE Employee

False Accusations

AUTHOR: Westley - ()

I recently read the information contained in the Rip-Off report on First Lenders Corp. As an employee, I was shocked by the misinformation contained in the report and since our company was named as the bad guy, I wanted to set the record straight.



In September of 2001, First Lenders/Enhancement Services, Inc. entered into a contract with a company named JT Card Services (JTCS), to serve as a third party service provider. Basically our obligation was to answer customer service calls for a product that JTCS was selling. In addition to the product marketed and owned by JTCS, they agreed that they would offer their clients a 30-day free trial to our product, Household Protection Plus (HPP). Household Protection Plus is a membership program that provides benefits to homeowners and renters that may be required to vacate their home in the case of an emergency. It offers emergency cash and lodging, emergency phone messaging, photo and detailed written inventory of your personal property, homeowner's deductible repayment, along with best buy, comprehensive purchase and extended warranty protection. If any consumer is not satisfied with the HPP Membership program, he or she may cancel at any time in the first three months of membership and receive a full refund, unless a membership benefit has been paid. If the client does not cancel within the first 30 days, his or her account is charged the annual membership fee. To ensure accuracy, we tape record all acceptance calls so the call may be played back for the consumer in the event that there is any questions concerning customer acceptance. Once the 30 day free trial begins, our company sends the client a membership packet, containing all pertinent information to benefits, terms, and conditions. If after the client has been billed, he wants to cancel, and it is within the first three months, we will refund his money, no questions asked.



As I mentioned, we began our relationship with JTCS in September 2001 and terminated our relationship in January 2002, as we found that JTCS was not sending their clients the products that had been marketed. Our only role with that company was to handle customer service for them and when we determined the company was not taking care of its clients, we terminated the contract. The only product for which we were responsible was Household Protection Plus. I can safely say that Leonard did agree to try this product's 30 day trial membership. I can also say that there are tapes to verify the conversation. The sad thing is that Leonard could have simply cancelled the contract in the first 3 months and received a full credit. We do not want members that do not want our product and we refund many every day with no questions asked.



Leonard's accusations of First Lenders/Enhancement Services are false and unfounded. It is unfortunate that he had a bad experience with JTCS, but that is not our company and we were privately contracted to perform a service for them. Household Protection Plus has over 100,000 satisfied members and they are satisfied because we have their best interest in mind and we operate legally. I would be more than happy to discuss his unfortunate situation if he would like to contact me.
Respond to this report!
What's this?

#4 UPDATE Employee

False Accusations

AUTHOR: Westley - ()

I recently read the information contained in the Rip-Off report on First Lenders Corp. As an employee, I was shocked by the misinformation contained in the report and since our company was named as the bad guy, I wanted to set the record straight.



In September of 2001, First Lenders/Enhancement Services, Inc. entered into a contract with a company named JT Card Services (JTCS), to serve as a third party service provider. Basically our obligation was to answer customer service calls for a product that JTCS was selling. In addition to the product marketed and owned by JTCS, they agreed that they would offer their clients a 30-day free trial to our product, Household Protection Plus (HPP). Household Protection Plus is a membership program that provides benefits to homeowners and renters that may be required to vacate their home in the case of an emergency. It offers emergency cash and lodging, emergency phone messaging, photo and detailed written inventory of your personal property, homeowner's deductible repayment, along with best buy, comprehensive purchase and extended warranty protection. If any consumer is not satisfied with the HPP Membership program, he or she may cancel at any time in the first three months of membership and receive a full refund, unless a membership benefit has been paid. If the client does not cancel within the first 30 days, his or her account is charged the annual membership fee. To ensure accuracy, we tape record all acceptance calls so the call may be played back for the consumer in the event that there is any questions concerning customer acceptance. Once the 30 day free trial begins, our company sends the client a membership packet, containing all pertinent information to benefits, terms, and conditions. If after the client has been billed, he wants to cancel, and it is within the first three months, we will refund his money, no questions asked.



As I mentioned, we began our relationship with JTCS in September 2001 and terminated our relationship in January 2002, as we found that JTCS was not sending their clients the products that had been marketed. Our only role with that company was to handle customer service for them and when we determined the company was not taking care of its clients, we terminated the contract. The only product for which we were responsible was Household Protection Plus. I can safely say that Leonard did agree to try this product's 30 day trial membership. I can also say that there are tapes to verify the conversation. The sad thing is that Leonard could have simply cancelled the contract in the first 3 months and received a full credit. We do not want members that do not want our product and we refund many every day with no questions asked.



Leonard's accusations of First Lenders/Enhancement Services are false and unfounded. It is unfortunate that he had a bad experience with JTCS, but that is not our company and we were privately contracted to perform a service for them. Household Protection Plus has over 100,000 satisfied members and they are satisfied because we have their best interest in mind and we operate legally. I would be more than happy to discuss his unfortunate situation if he would like to contact me.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.



Ripoff Report Legal Directory