• Report: #638932

Complaint Review: National Bank Card Monitor, LLC

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  • Submitted: Wed, September 08, 2010
  • Updated: Sun, December 09, 2012

  • Reported By: Chuck — Essex Maryland United States of America
National Bank Card Monitor, LLC
500 W. Southern, #16 Mesa, Arizona United States of America

National Bank Card Monitor, LLC Prey on the elderly Mesa, Arizona

*Consumer Comment: still waiting for my refund

*Consumer Comment: still waiting for my refund

*Author of original report: Words are cheap

*REBUTTAL Owner of company: Interesting....

*Author of original report: National Bank Card Monitor, LCC Ripoff Report comment to rebuttal

*REBUTTAL Owner of company: We are still here, call anytime

*General Comment: Owner Really? Are you seroius?

*REBUTTAL Owner of company: Sometimes You Have To Take A Step Back...

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This company called my 75 year old mother and sold her by telling her they would lower her credit interest rate to 7.9% and they also stated specifically that they would save her $11,349.00 dollars. Of course my 75 year old mother did not say no to that promise. They then got her to agree to a $599.00 dollar charge on that credit card they were going to help her save money on.

When I saw the charge on my mother's credit card I immediately called to cancel the service. Mr. Gino Niccoli who claimed to be the CEO said he absolutely refuses to credit the $599.00 back and that I would have to take it up with his legal staff. From my experience with this company I believe they prey on the elderly knowing that it is often difficult for them to reason quickly. If you have older parents please beware of this company. In my opinion they have no qualms in taking advantage of the older, vulnerable ones.

This report was posted on Ripoff Report on 09/08/2010 09:09 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-Bank-Card-Monitor-LLC/Mesa-Arizona-85210/National-Bank-Card-Monitor-LLC-Prey-on-the-elderly-Mesa-Arizona-638932. 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:
2Author 3Consumer 3Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

still waiting for my refund

AUTHOR: crowwolff - (United States of America)

The company is useless, I called in August, 28, 2012 after two refusals to state I got myself out of debt without there help.

The agent in charge of my file, submitted a card application with the wrong name. I also requested to go over any application s over the phone BEFORE they submitted my applications. Not once I was called.

In August after speaking with the refund department who refused to give his name, I told him I am debt free. I will provided letter for refund..yeah which is 90 days and proof. I was then told I got accepted for a card, at 0 for 6 months and only for a fraction of my debt. Oh and after 6 months it went up to 23 percent. I told him I cancel the card. It was a useless as I would be constantly shuffling and paying out for new 0 interest for short time period. How has time for that?

Sent in my letter, plus proof - registered mail. Yup you guessed it nothing. Not a word out of ncm. I call foe status updated and nothing.

Filled with BB and will in process of writing to the attorney general. As it appears ncm is not providing the services they claim. They sure didn't with me. I have to spend months correcting the application name that went to the credit bureaus. Thanks ncm. They stated it was a error cause they could read my hand writing bit they could take my money...

In short they did nothing for me, except cause me more work in correcting the applications. Bad customers services. . Don't get me started on just how condensing my agent was. So gross.
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#2 Consumer Comment

still waiting for my refund

AUTHOR: crowwolff - (United States of America)

The company is useless, I called in August, 28, 2012 after two refusals to state I got myself out of debt without there help.

The agent in charge of my file, submitted a card application with the wrong name. I also requested to go over any application s over the phone BEFORE they submitted my applications. Not once I was called.

In August after speaking with the refund department who refused to give his name, I told him I am debt free. I will provided letter for refund..yeah which is 90 days and proof. I was then told I got accepted for a card, at 0 for 6 months and only for a fraction of my debt. Oh and after 6 months it went up to 23 percent. I told him I cancel the card. It was a useless as I would be constantly shuffling and paying out for new 0 interest for short time period. How has time for that?

Sent in my letter, plus proof - registered mail. Yup you guessed it nothing. Not a word out of ncm. I call foe status updated and nothing.

Filled with BB and will in process of writing to the attorney general. As it appears ncm is not providing the services they claim. They sure didn't with me. I have to spend months correcting the application name that went to the credit bureaus. Thanks ncm. They stated it was a error cause they could read my hand writing bit they could take my money...

In short they did nothing for me, except cause me more work in correcting the applications. Bad customers services. . Don't get me started on just how condensing my agent was. So gross.
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#3 Author of original report

Words are cheap

AUTHOR: Chuck - (United States of America)

Words are cheap.  $599 dollar refunds are not.  I do not and I hope nobody else believes for one minute that this would have turned out any different.  Your intention always was to keep the money because you as you say had the legal right (although not the moral right) as you were able to manipulate my mother to agree to your scheme.   I am sure you have done so with many other older citizens who are often seen as easy targets with slick boiler room call centers such as yours.  I guess all the free advertising you are getting was worth that $599.  I see when I search the internet that many others can corroborate my experience.
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#4 REBUTTAL Owner of company

Interesting....

AUTHOR: Gino Niccoli - (USA)

I never said I care more for your Mother than you do. But isnt it interesting that you made that one call to get her a lower rate only after this situation. She owed $8k in credit card debt, was very concerned that on a fixed income she was struggling to make the payments.
Again, you would have gotten a refund immediately had you just called us first instead of calling her card company and trying to claim fraud.
To any consumer of any company;
Always call the merchant first, ask for what you want and ONLY then should you call your card company. And although I still won't refund Chuck because he lost, the card company agreed with us, I am more than happy to take a call directly 480.217.1243
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#5 Author of original report

National Bank Card Monitor, LCC Ripoff Report comment to rebuttal

AUTHOR: Chuck - (United States of America)

Contrary to what Mr. Gino Niccoli states he did not help my mother save over $5000 in interest.  It appears he may be in the habit of making false claims.  His company did nothing for my mother other than take a $599.00 fee up front.  She was in fact $599.00 further in debt because of Mr. Niccoli's company, National Bank Card Monitor, LCC.
 
And I have to tell you Mr. Niccoli I do not think I have to convince anybody that reads this that I care much more about my mother than you do.  Your interest in my mother was her $599 dollars.  Even though I respect her enough to let her be her own person, I do watch out for her so that others do not prey on her trusting spirit. 

Without her jumping through any complicated hoops, providing you additional private information, filling out forms or as you say necessary documentation I made another phone call on her behalf and got her high rate credit card balance transferred to another card at 0% (that is zero percent interest) for 15 months.  I did not charge her one cent to do that for her  I hope that answers your question Mr. Niccoli.
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#6 REBUTTAL Owner of company

We are still here, call anytime

AUTHOR: Gino Niccoli - (USA)

I cant address an issue here if you dont state who you are. However, I'll make it simple, call me personally at 480.217.1243. I will fix any issue, any time. Maybe we dropped the ball, I hope not, but I take responsibilty for every client. Please call me direct. Gino Niccoli C..E.O
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#7 General Comment

Owner Really? Are you seroius?

AUTHOR: IT man - (United States of America)

I am also an extremely unsatisfied customer of National Card Monitor.   They are full of promises while they take your money and do that part very efficiently.....After 90 days of nothing.  (They only shopped me to 1 bank at that point!)  During this time I had been trying to contact them several times to see what the hold up was.  They only have a machine when you call so you are at their disposal for the call back....which never happens.    I can't believe the "so called owner" would actually say they take things seriously because if they did....where's the customer service?  Why dont you call back your clients.......2 weeks later???   Are you kidding me?  They do NOT provide the service they promise......I have left a message almost every day for the last 2 weeks with no call back.......    Mr.  Owner.....you tell me,,, what kind of Customer service is that?   Do your job or give me my money back.......It has been 7 months and still nothing at all except $500 poorer.....
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#8 REBUTTAL Owner of company

Sometimes You Have To Take A Step Back...

AUTHOR: Gino Niccoli - (USA)

The Gentleman complaining is Chuck. And yes, I spoke with him personally, as he points out as some sort of weakness of our company, but i take complaints very seriously. His Mother purchased our Financial Kit and support because it made sense and still does. But Chuck didn't want to listen to the facts at all, simply immediately called us a scam.
To make matters worse, he contacted his Mothers credit card company and disputed the charge as a fraud before ever contacting our company and that's where the problem began.
When a client calls their credit card company and accuses us of being a scam we have to defend that position, and in this case we did exactly that. in fact, the credit card company agreed with us, the purchase was valid, the client received the product she agreed to purchase and there was no 'scam'.
However, even once we had one the case, justified our fee and program, I couldn't get Chuck to listen to what we, and her Mother, clearly understood, that this program would benefit her tremendously.
She owed over $8,000.00 in credit card debt at an average of over 20%!!!
My question to Chuck is that if he truly cares about his Mothers financial well being, where was he when she racked up all these charges!? Where was the watchdog for years while she incurred debt that is nearly impossible to pay off, especially for an elderly woman on a fixed income that doesn't allow her the luxury of making larger payments than the minimum!?
Yes, I refused to refund the fee paid to our company. I did so because we helped her save over $5,000.00 in interest! Chuck couldn't settle down long enough to hear that.
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