EDitor's UPDATED info 2-20-04: Rip-off Report is still receiving complaints that they are not receiving the refunds as promised. Rip-off Report has been in contact with the Company and has made them aware of these issues. They have assured us that refunds are being given to those who are providing them with all the correct contact information requested by them. They have also provided confirmation/proof of over 2,600 refunds to date, on a spreadsheet, and Rip-off Report staff called and verified more than a dozen consumers at random, all very angry & outraged, but, they all did get their refund. The company again apologized for the delay and reported that credit to your account could take as long as 4-5 days. As we understand it, this company only does the processing for all the other companies, so they are at the mercy of those companies funds, further delaying your refund.
Rip-off Report is hoping they will live up to what they have promised, we think they will, ..we'll see. Rip-off Report will continue to investigate more into this situation, and we will eventually post an UPDATE to the main Report at this web address: https://www.ripoffreport.com/view.asp?id=76605
Please be patient, we can only tell you what they are telling us.
businessbureau.com CLICK HERE to see how Trust Benefits contacted Rip-off Report, stating they will give REFUNDS to unsatisfied customers.
In 2003, near the end of November, my husband received a call from Trust Benefits offering him a credit card with a limit of up to $3,000 if we paid $299. To his recollection there was no information given to him about the credit repair package and other package inserts that come with it. My husband said that he was interested in receiving the credit card and was then transferred to a rep. for order processing. When my husband was told that the payment would be taken from our account on December 15 he told the rep. that we didn't have the money at this time and hung up before the verbal contract had been completed.
Shortly after that, another rep. called to see why the call had been disconnected. My husband told him that we would not have the money until March of 2004 (which it is now). The rep. then told my husband that if he went through the order process and said "yes" to everything that he would receive a welcome package in the mail with a customer service number through which he could change the payment date.
My husband went through the verbal contract saying yes to the payment date believing that he would be able to change it. We did not receive anything before Dec 15, 2003 and the amount was debited from our account.
I then contacted the company pretending to be my husband and complaining about the debit. The representative that I spoke to said that they would not refund the money and offered to play back the verbal agreement for me. When it was played back I could hear a very soft mumble of voices and nothing else. When the rep. returned to the phone I told him that if he could not provide me with an audible recording then I would report an unauthorized transaction. He then began to argue with me that "I" (he still thought that I was my husband) authorized the transaction. I told him again that I could not hear the recording and he replied that he could. I asked him if he could hear it so well how come he hadn't realized that he was not speaking to the same person on the recording and told him who I was. He ignored this and stated that my husband did authorize the transaction. I told him once again that I could not hear it and that I did not hear my husband agree to anything. He continued to argue with me and I hung up the phone.
I called my bank and began the processes for reporting unauthorized transactions. When I received the papers to sign from my bank I was scared to sign them because my husband and I where not sure if he did agree to it and was worried that if the recording might be clear if it was not played through a phone line. My husband and I decided that what happened was over and that as long a we got a credit card we would be okay.
I called Trust Benefit back to find out about the card and they told me that it would be about three weeks and that they didn't keep a record of which credit company would be providing us with a card. A few days later we received a letter of acceptance through capital one and I called them to see if the card was ordered through Trust Benefits (because we had also been applying online for various credit cards). The rep. for Capital One informed me that they do not have a record of how the card was ordered but that none of the companies that telemarket for them were not allowed to charge a fee for guaranteed approval. She also informed me that we should receive our card sometime before New Years Eve. We received a Capital One card with only a $500 limit and still no "Welcome Packet" from Trust Benefits.
Then sometime around January 10, 2004 we received a package from Trust Benefits that contained a repair kit disc and booklet along with "special offers" from various companies (surveys,free stuff,etc.); many of these can be found on the internet by websurfing. In addition the packet came with a member card with a member number. It also contained a small slip of paper with the web adress www.myworldofbenefits.com.
We let this packet sit around until today March 7,2004. I tried to access the website to see if we can actually use their service to fix our credit. I received a webpage stating that I was unauthorized to access that site. I called 866-260-6166 (which is on the back of the card). This was an automated number that immediately asks for a password. I could not find password info in the packet so I put in the member number. This was not accepted and the phone was disconnected. I tried to call it back three times but the phone was not answered. Then I did a websearch for "My world of benifits" and found the rip-off report site. Hopefully this will help us and others as well.
U.S.A. CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.