• Report: #473014

Complaint Review: Premier Savings

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  • Submitted: Fri, July 24, 2009
  • Updated: Sun, November 29, 2009

  • Reported By:Galveston Texas
Premier Savings
Galveston, Texas U.S.A.

Premier Savings preimer saving hoped to rip me off by taking a $439 fee from me... Galveston Texas

*UPDATE Employee: Re: Reactorcore & Jason

* : David...

* : Response

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I got a call from a EVE Cassidy with premier savings and she said she could lower my interest rate to less than 9%... Sounded good, she said there was a guarentee and that they could get as much as I needed. In the end she asked for my personal info and a credit card number to put a $439 fee on? I said I need to verify who you are and your company and then suddenly she got irate and defensive. I KNEW something was up. After I asked her some questions and asked for an email /fax/ letter from her and or her company she eventually yelled at me and hung up on me. Called from an unknown number... what a scam ... thanks to ripoff report I did quickly find it was a scam.

In one report I read an employee named lee was crazy rude to a ripoff reporter. Thats is exactly how my lady acted on the phone. If you get a call from them... please hang up asap!!

Jason
Galveston, Texas
U.S.A.

This report was posted on Ripoff Report on 07/24/2009 01:15 PM and is a permanent record located here: http://www.ripoffreport.com/r/Premier-Savings/Galveston-Texas/Premier-Savings-preimer-saving-hoped-to-rip-me-off-by-taking-a-439-fee-from-me-Galvest-473014. 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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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Re: Reactorcore & Jason

AUTHOR: David H. - (USA)

I'm at a loss as to what you want me to rebut in this report?  I wouldn't dare deny the fact there are some incredibly rude people who are employed at Premier Savings.  I am not one of them, nor would I tolerate some people (who shall remain nameless) behaving the way that they do were I in charge.  Such behavior while not condoned is tolerated, and I also can understand why. 

Finding people who are both intelligent enough, and articulate enough to convey a mini economics lecture to Joe Schmo, at home, over the phone, uninvitedly, in 10 minutes, and have that person in the end understand the subject matter well enough to see the value of paying the $439 processing fee.  People who can do that successfully, and consistently do not grow on trees, nor are they particularly inclined to work in telemarketing.  I myself am a college graduate and worked in law offices before this.  If it weren't for the slow economy and to a greater degree my personal distaste for family and personal injury law I wouldn't be here talking to you.

Back to subject at hand, rude people working in a outbound call center is hardly news, nor a "Rip Off."  In fact to the original poster Jason, if you would like to know the substance of what Premier offers and what we can do for you please feel free to call the toll free number 1-800-208-1914, tell them that you want to speak with David H. who works evenings.  I should get the message that evening and return your call when it is convenient for you.  I'll need between 10 to 15 minutes of your time so that I can explain the whole works properly, should you decide not to have us help you save money or your credit card debt I will not become rude or belligerent, nor am I going to try and force you into doing something you don't wish to do.  They are your credit cards and it is your money after all.  I will ask you why you don't want to sign up with us?  That's not being rude or pushy that's an honest question.  If someone isn't looking to save 4k, I've already told them that it's going to take 6+ months before their interest savings exceed the processing fee.  Now if someone is looking at a potential savings of 12k and they don't want to do it I wanna know why?  I'm not upset with them but unless they just can't make the processing fee work without taking food off the table, then I'm not doing my job correctly.

As for this site, I haven't read the whole thing but from what I have seen the "reports" fall along the following lines:

60% Ex-employees with an ax to grind.

15% People complaining about being treated rudely by an employee.

10% Ex-employees in guise making outright fabrications.

10% People who have legitimate complaints.

5% Uninformed people saying things like "Thank god I found you guys, I almost fell for this!"

In fact Jason, there is no "scam" the business has been there for 13 years doing the same exact thing, and will be there for 13 more.  What did happened was you spoke to an a-hole, who you had every right hang up on.  Unfortunately you'll probably wind up paying thousands more on your credit cards than need be because of this person's lack of manners.

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#2

David...

AUTHOR: ReactorCore - (Canada)

You need to address the real issues here.

It's all fine and good to offer calm, measured platitudes and talk about how this complainant was treated. It's a good start, but it doesn't really address the crux of the matter.

When someone needs to borrow money or lower interest rates as this person wanted to, they get understandably leery at being asked to lay out large chunks of money. People borrow money because they need money, not because they want to spend more right out of the gate.

There are many hucksters out and about who start out with the same pitch as this person described: promising a loan or a lower interest rate, and all it will take is a payment of $X. Then something "happens" that requires just a bit more money, but still, nothing is delivered. Another "snag" in the process is discovered, and so it goes until the person refuses to cough up any more dough, then they're left without the money they shelled out for all these "adjustments" and they're also without their loan. There are reports of this type all over the ROR.

You've come to this forum, hat in hand, smiles and apologies for the conduct of an employee of the company, but you didn't even begin to dip your toe into the fire regarding the heart of the matter as described above, so how about that?
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#3

Response

AUTHOR: David H. - (USA)

Hello, my name is David I am a current employee of Premier Savings.


Let me just say first off that I am here of my own accord and I do not speak on behalf of Premier Savings, Premier Nationwide corp., or any subsidiary.


For the record Premier Savings is not a "scam" and so long as you are truthful in your answers to the account rep there should be no problem in delivering exactly what they promise.  Premier has been around for 14yrs, bringing people with established credit lower rates on there credit card balances.  I haven't read all of the complaints on here and I intend to and I intend to respond to nearly if not all of them.  I truly hope that you or anyone else will take the time to read my responses and then judge for yourself whether you wish to do business with Premier.  From the small amount that I have read thus far it appears that a few ex-employees with an axe to grind are the bulk of the complaints.  Again I have only read a small portion of what is on here but that is my first impression.


The one true complaint I see that you have is that the rep you spoke to was rude.  I wouldn't dare contradict that statement, there are many rude people who work in the call center.  I myself would never behave in such a manner but the management tolerates rudeness so it happens.  If you were offended all I can do is apologize from myself.

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