• Report: #648132

Complaint Review: Top Tier Savings

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  • Submitted: Wed, October 06, 2010
  • Updated: Mon, February 21, 2011

  • Reported By: Net — Dorchester Massachusetts United States of America
Top Tier Savings
3201Central Avenue Internet United States of America

Top Tier Savings Illegally took money from my Checking Account Internet

*UPDATE Employee: TopTierSavings.com is an independent advertiser and is not associated with UnitedCashLoans.com.

*Consumer Comment: "deceptive" Internet marketing

*UPDATE Employee: Top Tier Savings Online Benefits Program

*Consumer Comment: How to solve this when it happens.

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Hi,
I did a cash loan (10/5/10) (yes shame on me) through Amerialoan.
Ameria loan recieved the loan through - CashNet USA.
I called America loan to let them know I was charged $29.95 from a: TOP TIER SAVINGS.
So America loan told me to call: Cashnet usa to let them know that I was charged $29.95 from a: TOP TIER SAVINGS.
Cashnet USA told me that they do not have a loan from America loan for me.
I called Ameria loan back to let them know that Cashnet USA said.
 
So I googled Top Tier and this is what I found:
 
TOP TIER SAVINGS ENTRAPS CUSTOMERS OF UNITED CASH LOANS
TO ILLICITLY OBTAIN THEIR BANK ACCOUNT INFORMATION  AND THEN CHARGE THEIR ACCOUNT, UNAUTHORIZED; FOR $29.95- HOPING THAT THE CONSUMER DOESN'T CATCH THE TRANSACTION.
THERE IS COLLUSION BETWEEN UNITED CASH LOANS - WHO HAS THE ACCOUNT INFO AND THIS COMPANY - TOP TIER SAVINGS - ON THEIR WEBSITES.
****BEWARE - IF YOU GO TO UNITED CASH LOANS - BEWARE OF ANY CHARGES - FOR " TOP TIER SAVINGS
The web site did not list any contact information  for TOP TIER SAVINGS.


This report was posted on Ripoff Report on 10/06/2010 11:50 AM and is a permanent record located here: http://www.ripoffreport.com/r/Top-Tier-Savings/internet/Top-Tier-Savings-Illegally-took-money-from-my-Checking-Account-Internet-648132. 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 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

TopTierSavings.com is an independent advertiser and is not associated with UnitedCashLoans.com.

AUTHOR: Top Tier Savings - (United States of America)


TopTierSavings.com is an independent advertiser and is not associated with UnitedCashLoans.com.

Upon completion of your cash advance application, agreeing to your loan details and providing your e-Signature to complete the process, the TopTierSavings.com offer is prominently displayed on an exit page under the heading “Visit Our Featured Advertiser”. Immediately under the heading in bold, the following text is displayed.

“Advertisers are not affiliated with the lender which does not promote or endorse this product. Participation in this offer does not affect your relationship with the lender in any way.”

Beneath that, the details of the price and offer are clearly and conspicuously displayed along with a link to Terms & Conditions for additional details.

In order to apply for TopTierSavings.com you must take two affirmative actions. First, you must click click “Yes” that you want the offer, and then you must click “Submit” in order to submit your information to TopTierSavings.com for processing.

Your welcome email includes your offer details, your authorization, and easy to follow information for canceling by phone and or email, should you wish to discontinue the service. Additionally, your billing statement each month provides our 800 number for your convenience.

All requests for refunds are handled promptly.  
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#2 Consumer Comment

"deceptive" Internet marketing

AUTHOR: pcnet67 - (USA)

Regarding the #1 consumer "solution" to this problem which happened to me as well by the way... It's NOT "informed consent" by any stretch of the imagination to make a purchase of another product entirely because you didn't "uncheck" a box somewhere in the fine print of your application.

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#3 UPDATE Employee

Top Tier Savings Online Benefits Program

AUTHOR: Top Tier Savings - (United States of America)



Dear Consumer,

At Top Tier Savings, we are committed to providing excellent customer service. We are sorry you have not been able to resolve your issue(s) and apologize for any inconvenience this may have caused. Please contact us at 1-800-916-4416 M-F from 7am-4pm or email us at Customerservice@TopTierSavings.com and we will gladly address your concerns and resolve your issue.

Sincerely,



Top Tier Savings Customer Service

customerservice@TopTierSavings.com



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#4 Consumer Comment

How to solve this when it happens.

AUTHOR: CBlue - (United States of America)

In your application there are boxes that need to be checked if you agree to joining Top Tier Savings.  If you do not un-check those boxes then you agreed to the terms.  It is not illegal because it is right there in black and white and you agreed to them taking the money from your account when you signed the contract.  That is why it is very important to read your contract and all the terms before signing them, even if it is digital , you are still responsible for what is on that paper when you sign it.  

We just went through this because my husband did not read everything and this happened to us.  I am said the same thing to him too.  

But, You can fix it.  From Toptiersavings.com it states

"Congratulations! You can now login by going to TopTierSavings.com. Your login and password will be the home telephone number you have entered today on your Cash Advance Application. To request a refund within the first 30 days please call customer service at (800) 916-4416. With this membership you will be billed a one-time enrollment fee of $29.95 and a monthly membership fee of $19.95 to the bank account you have provided today on your Cash Advance Application. The membership fee will continue to be charged every month until you cancel your membership by calling customer service at (800) 916-4416. The customer service department is open Monday-Friday, 7 a.m. to 4 p.m. Pacific Time. You may cancel at any time. If you are unhappy with the services provided by TTS, you can obtain a refund for charges during a 30-day period immediately preceding the date on which your refund request is received by contacting customer service at (800) 916-4416. Refunds will typically take 7-10 business days to process once the original payment has been received by us from your bank, which normally takes up to a maximum of 14 days. By accepting the terms and conditions of this offer, you acknowledge and understand that you will be charged for the services described above. at a rate of $29.95 for the first billing and $19.95 per month thereafter if you fail to cancel as set forth above."  
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