• Report: #302901

Complaint Review: US Gold Line

  • Submitted: Thu, January 24, 2008
  • Updated: Wed, February 27, 2008

  • Reported By:San Diego California
US Gold Line
US GoldLine 10500 Ulmerton Rd Largo, Florida U.S.A.

US Gold Line This company called me repeatedly. They misrepresented themselves, and led me to believe that I was getting a credit card where I could have acess to cash advances not there online store. Largo Florida *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Comment: If you're being watched (heavily) by the FTC, I wouldn't be bragging about it.

*Consumer Comment: A typical call as far as I can tell

*UPDATE Employee: U.S gold line not a scam

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These people are very deceitful, and down right criminial. They hounded me for days leading me to believe I was going to get a credit card with a $2,500 credit card limit. I finally gave them $249.00 that I could not afford under the guise that in a week I would have access to $2,500, and then in 30 to 90 days upwards of $7,500 respectively. The agent out and out lied to me saying I would have access to cash that I really needed at the time.

They took money from my bank account and when I complained thay said I could cancel, but I wouldn't get my $249 back. They deducted it from my bank account on the 17th January, and by the 23rd of the same month when I wanted a refund, they said no deal. I am just supposed to take it as a loss. Well that ain't gonna happen. I was momentarily without funds. But, I will mortgage my soul to put these sleazy bastards out of business. I don't care if I have to work overtime, and it cost me $20,000. It isn't right, and they should pay.

San Diego, California

EDitor's Suggestions on how to get your money back!


Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!


Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.


If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

This report was posted on Ripoff Report on 01/24/2008 02:51 AM and is a permanent record located here: http://www.ripoffreport.com/r/US-Gold-Line/Largo-Florida-33771/US-Gold-Line-This-company-called-me-repeatedly-They-misrepresented-themselves-and-led-me-302901. 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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#1 Consumer Comment

If you're being watched (heavily) by the FTC, I wouldn't be bragging about it.

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


Read this before you do any business with said company, http://www.usgoldline.com
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#2 Consumer Comment

A typical call as far as I can tell

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

The reason people are calling it a scam is that the employees lie. They lie or don't answer questions directly and honestly. I was told, 1) That this is an unsecured loan, 2) that I could use it at other stores, 3) that the secured line that I recently got with my bank would not help my credit (I just called my bank and found out this isn't true).

I have received mailings from them or similar companies before. They used to mail me every week, so I was familiar with this type of thing. They have a web site, http://www.usgoldline.com , which they gave me when I asked. I received a call from them at work today. After I was told that this is an unsecured revolving credit line, and then I asked if I could use this card anywhere, and I was told lie #2 and #3 after I specifically asked if it is a regular credit card and if I could use it anywhere. This is called "lying."
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#3 UPDATE Employee

U.S gold line not a scam

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

US gold line is not a scam. They are heavily and i do mean heavily monitored by the f.t.c. . people who are filing a report against this company probably do not know who they are . The Federal Trades Commision . They follow ALL state and Federal laws .. They record EVERYTHING for your security . It is stated on the recording has anything been said or promised to you that has not been on the terms and conditions that has been read to you . They DO report to the transunion credit bureua every 30 days on your behalf . As well as 1st credit improve.com . There is a link on the website to apply for a cash advance .

Here is the thing .Your credit sucks . Do you think that master card is gonna call you and give you a credit card !! NO!! We are helping dead beats like you to show that they are responsible .. If you believe you have been mislead please contact your bank . Have them listen to the tape .. Everything is on a prerecorded message it is the same for everyone . You are not special . We did not leave that part of the tape out just for you .. If you did not understand everything fully YOU should have asked ..

The fact is you are a very irresponsible person who enters into agreements without paying attention to the terms . If you did not want help with your crdit you should have said i like my bad credit just the way it is .. Grow up and quit blaming everyone for your problems . EVERYONE IS AT FAULT BUT YOU !!! YOU ARE PERFECT!!!!
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