• Report: #465219

Complaint Review: Premier Savings - Premier Nationwide Corporation

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  • Submitted: Fri, June 26, 2009
  • Updated: Sat, August 29, 2009

  • Reported By:Hayward California
Premier Savings - Premier Nationwide Corporation
4400 N. Scottsdale Rd. St. 9 Scottsdale, Arizona U.S.A.

Premier Savings - Premier Nationwide Corporation MISLEADING AND DECEPTIVE, FEE FOR CONSOLIDATION OF CREDIT CARDS BALANCES AT 9% INTEREST Scottsdale Arizona

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I received a phone call four days ago, late in the evening around 9:00PM by Premier Savings proposing to help me consolidate all of my credit cards into one monthly payment for a fee of $439.00. The idea was that they could help me find a low interest rate card where I could transfer all of my balances to and reduce my debt to one monthly payment and the interest rate to around 9%.

I spoke with a very smooth talking salesman who said his name was David Holt, who gave me an Agent #N107 and a phone number for customer service of 1-800-208-1914 in case I had any problems and/or questions about this program once I agreed to this proposal.

He told me that I would be assigned a specialist that would be able to help me find the resources to do this and reassured me that this could be done without interfering with my current credit rating

Once I agreed that this sounded like a good idea and after he took my credit card number, he said that I would be contacted in about 20 minutes to confirm my credit card info to charge the required fee of $439.00.

After about 45 minutes to an hour a very fast talking women called me back and said she was from Premier National or Nationwide and said that she was just going to go over the agreement and confirm my credit card info and that they would be recording everything, as we conversed.

I had to ask her to slow down and talk into the phone several times and when it came to confirming my card she said that she needed my security code on the back of the card. I told her that she didn't need that and that I would not give it to her, as I have experienced in the past this is just giving someone the right to continue to charge your card, after the original charge. She finally said that this was optional and said that my card would be charged as of that night.

I then asked her if they would be mailing out everything in writing that she had rushed through. She responded, yes in 7 to 10 days and that I should go over it right away and fill out all the info they would need to proceed with helping me to find resources to call to reduce my credit card debt.

I questioned her comment on helping me to find resources to call, she balked and said that they have many more resources that I could ever find on my own and they knew the ways to go about finding them for me to call without interfering with my credit rating.

I finally agreed, but commented that I was becoming very leery of this. She then popped up and said that if I had any doubts or questions just to call the same number that David had given me.

Needless to say, after the call ended I really started to have second thoughts about what I had just agreed to and tried to call them back to cancel, but the number had a message on it that said that I would have to call during business hours Arizona time. When I tried again for the next 2 days, I still received the same response.

I checked with my credit card company and they had actually charged more than the stated fee and the credit card company could not stop payment.

I feel somewhat foolish and frustrated, but learning from this mistake and wanting to help others to avoid the same or similar situation, I am reporting this now to ripoff Report.

Bmorealert
Hayward, California
U.S.A.

This report was posted on Ripoff Report on 06/26/2009 10:06 AM and is a permanent record located here: http://www.ripoffreport.com/r/Premier-Savings-Premier-Nationwide-Corporation/Scottsdale-Arizona-85251/Premier-Savings-Premier-Nationwide-Corporation-MISLEADING-AND-DECEPTIVE-FEE-FOR-CONSOLI-465219. 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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0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1

response

AUTHOR: David H. - (USA)

Hello, I'm not David Holt but I do work for Premier.  This is the first legitimate complaint I have heard on this site about Premier.


I can't make you any promises but I am willing to take some of my personal time to make enqueries on your behalf.  I don't think it is proper to discuss anything of a personal nature on an open forum like this so please email me at PNC.DavidH@gmail.com there some additional facts/info that I am going to need If I am to look further into this on your behalf.


There is one point in your complaint that gives me pause.  I don't want to prejudge this or anything but when you state that you tried to charge back the service fee with your cc company and they said they couldn't do it?  It is federal law they have to do that within 30 days "for cause."  The cause here would be on of 2, either "services not rendered," or if in fact you were charged one penny more than the $439 agreed upon that would be an unauthorized charge, which again the credit card company HAS to take off your bill.


I am going to keep an open mind and again I can make you no promises about what I can or cannot do for you.  All I ask is that whatever resolution is reached on this matter that you update your claim on here truthfully as to what happens?


If you are agreeable to that then I will agree to take my personal time and see what has happened and what can be done?


 


I hope to hear from you soon,


 


David

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