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 Financial Benefits contacted Rip-off Report, stating they will give REFUNDS to unsatisfied customers.
On Jan 2, 2004 (my birthday) I was contacted by Financial Benefits to recieve a Mastercard to help rebuild credit. I was skeptical and the woman was so adept at lying she put all my fears at rest. I gave her my checking account information (at least I did it from an account with very limited funds) for 299.95. She told me I would get a REBATE of $500 deposited into my checking account after the debit had cleared and my Mastercard had been issued. This would cover the Processing fee and give me a $200 GIFT.
I was also told about a trial of a roadside assistance program I would get and a phone card at 50% off and other offers that if I chose to continue would be $19.95, but this could be cancelled at anytime. I was also told as a GIFT I would be receiving a CD rom with credit repair information on it.
Well, I NEVER got the Mastercard. I instead got an application for one in the packet they sent.
And when my check cleared instead of receiving a $500 REBATE (which turned out to be a loan offer in the packet that had to be applied for and would get IF you qualified) I had another ACH debit done from my checking account (unauthorized and completely without my knowledge) for $199.95, which in turn got me another packet of all the same garbage (identical to the first one except for the name of the company) from a company called Benefits Plus. Sent from Financial One at an address in Closter NJ.
This put that account into overdraft causing some legitimate automatic payments to have insufficient funds. That is when I realized what had happened. So they probably owe me some NSF fees too.
I tried to contact Financial Benefits and there # and web site were inaccessible. I did contact Benefits Plus and spoke to a gentleman there who advised me that what I bought was the packet and the CD.
I then began to contact people in the packet to let them know there things were being included in this fraud. The people from Selectyourgifts.com are very upset and would appreciate any info on nabbing these creatures too. I was assured though that their certificate is valid and it does seem to work when you access the website.
I am going to try to get any info I can from FedEx, since that is how they were both delivered. I am going to go to the bank and fill out the ACH reversals and get them into the act.
burton, South Carolina
U.S.A. Click here to read other Rip Off Reports on Financial One CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.