• Report: #184430

Complaint Review: New Credit Financial - NCFA

  • Submitted: Sat, April 01, 2006
  • Updated: Tue, May 23, 2006

  • Reported By:Ukiah California
New Credit Financial - NCFA
P.o.box 86309 Saint Petersburg Florida 33708 Nationwide U.S.A.

New Credit Financial - NCFA ripped me off $300 misrepresented what I was receiving HOW DO I GET MONEY BACK ripoff Saint Petersburg Florida

*Author of original report: update

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First off let me say that I am a gullible dork. I had some identity theft when I was younger and in turn it ruined my credt. I couldn't get any credit card or loan because of it.

So a few months back I receive a phone call from NCFA. And I talk to this woman and she tells me that I have been approved for a credit card with a $2,500.00 limit. And if I want additional info, she can forwarded me on to a representative that can further tell me details.

So I say yes, what do I have to lose to talk to someone else. So I am forwarded to this guy, and he tells me all the good stuff I want to hear. He askes me if I want a visa or mastercard. I tell him visa. He then tells me they would need a $300.00 deposit. And I think okay, I don't know if I want to do this. But my husband had jsut received a credit card from First Premier Bank and had to pay a balance of $175 on his card, being that he had no credit what-so-ever.

So I think to myself, "Hey this is a good deal, I can try and get my credit back on track and have a credit card." In no part of the conversation did he tell me it was only for catalog purchases. He led me to believe I was getting a real credit card. He also tells me I will be receiving 4 $100 certificates towards my balance. So I say good deal. I sign up.

Then I receive a large envelope in the mail, and that is when I find out its for catalog orders and that the certificates are only for the DOWN PAYMENT towards the items. They want you to send in 7% of the total for shipping and 35% down on the product you are ordering. And by this time I am LIVID, because I paid $300.00 for something I did not know I was getting.

They fully misled me to believe I was getting a visa credit card. I even asked the guy numerous times if this was a credit card and he said yes. I call to try and get my money back and another guy tells me I can't but I can use these USELESS certificates and then cancel.

I would tell anyone being called by these guys TO NOT do it. They mislead you on what you will be receiving.

If someone knows what I can do to get my money back, I would be happy to hear any suggestions.

Nicole
Ukiah, California
U.S.A.

This report was posted on Ripoff Report on 04/01/2006 10:28 AM and is a permanent record located here: http://www.ripoffreport.com/r/New-Credit-Financial-NCFA/nationwide/New-Credit-Financial-NCFA-ripped-me-off-300-misrepresented-what-I-was-receiving-HOW-DO-184430. 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 Author of original report

update

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

I have posted this report to help the many individuals that have been scammed by this company re-coop at least some of the funds that were taken from them. This report is meant for information purposes only as each individual's case is different from mine. It is meant to give you a little advice on what to do now, instead of just forgetting the $300.00.

I, unlike many of you who are reading this, was scammed by NCFA. I was misled to believe I was receiving something I did not. I also have posted an additional report on this website regarding my dilemma and for those of you who would like to read what happened to me, please visit (https://www.ripoffreport.com/reports/ripoff184430.htm).

I am sure many of you who did contact NCFA about a refund received the same response. I am sorry but the $300.00 deposit is non-refundable, but you can use your 4 certificates and then cancel.

If you have heard these fateful words, than I am here to at least help you in your quest of that ever-elusive refund from this company as, I have now been refunded.

1) File a complaint with the BBB of West Florida You can file an online complaint through www.betterbusinessbureau.com. They will forward it on to BBB's West Florida department. I suggest that you mail copies of all correspondence that you received from NCFA as well as some of the rip-off reports on this site to their address after filing a complaint online.

2) File a complaint with your state's general attorney's office. Include every detail you can remember about your conversations with NCFA. Also send all the same documents that you would mail out to BBB to them as well. Also print out a copy of the online BBB complaint and include it as well.

3) Send a letter to NCFA with all the documents and notify them of your current actions regarding your complaint.

BBB is really good about keeping on top of the complaint. I received a response from their office within 2 weeks of the original complaint. By the end of the month, I received a response from the BBB and NCFA, disclosing that I would be refunded for All funds collected from you, minus the $35.00 early cancellation fee. Getting back $265.00 is really better then nothing, now isn't it?
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