Global Financial, Credit Education Group, National Consumers Club, 4 Star Fin. Services, NCBC, VIP Tele ripoff, credit fraud, NATIONWIDE GROUP ILLEGITIMATE COMPANIES MANY NAMES CLAIMS FINANCIAL SERVICES TAKES MONEY AND SENDS NOTHING! NO REFUND 6 MOS. Nationwide

I responded to an email for a pre-approved credit card offer. I was contacted by Jayde Peebles at 770-225-0245, ID#7172, around 1/21/03. She said I would receive an interest-free credit card and free credit counseling with Global Financial for an initial fee of $221.95, which would be automatically deducted from my checking account on 1/31/03, the same day I would receive my card.

I provided her with my personal and financial information, including my checking acct. # and my social security #. (STUPID) After the amount had been deducted from my account on 1/31/03 and I still had not received the card by 2/03/03, I called one customer center at 800-246-8396. A representative there told me the card could take up to 14 days to arrive.

When the card had still not arrived by 2/17/03, I checked the BBB reports for Global Financial,Inc, (a little late, I admit) and found it listed under several subsidiary companies of National Consumers Club in Boca Raton, FL, with BBB complaints totalling 159 at the time.

Suspicious, I then called 866-411-4466, another "customer care" #, and spoke to Hailey Smith, who told me she had no ID# and that my credit package could take up to 4 weeks to arrive. I demanded a refund and she told me that a refund would not be issued until I received my package, which she assured me had already been mailed.

I then called Jayde's number and got an automated system instructing me to leave a message.

I called 800-246-8396 again and was on hold for over 8 minutes without speaking to anyone. I then called the 866 # again, about 30 minutes after speaking to Hailey, and spoke to a woman who identified herself as "Barbara 106". She told me that my credit package would not be sent until 4 weeks after the date of the withdrawal from my acct. and that I would then need to fill out forms and send them back in order to receive my credit card.

I demanded to speak to a supervisor and Barbara refused. I demanded a refund and she ignored my request. I informed her that I would be filing a complaint with the BBB, and Barbara hung up. THERE WERE NO STRAIGHT ANSWERS. SOMETHING DIFFERENT FROM EVERYONE I SPOKE TO.

On 3/21/03, I called again when nothing had arrived. Kelly answered and told me my refund request letters had been mailed and I should send them back in 7-10 days when they arrived.

As of 5/15/03, I have recieved nothing from this company except a massive headache. THIS IS A NATIONWIDE CHAIN OF FRAUDULENT COMPANIES. They are sneaky and hard to nail down. Addresses, both postal and internet, have proven to be nonexistent through my research.

NOW, REPS FROM 800-603-8334 HAVE BEEN CALLING ME, apparently from yet another related company called Credit Education Group. When I ask who it is, they just hang up.

I have filed with the FTC, the BBB, my local postmaster, the one in Atlanta, my phone company, everyone I could think of. Now here. I URGE YOU TO KEEP YOUR FINANCIAL INFO TO YOURSELF AND TRUST NO ONE until you check them out!!!

Latest info--WRITE TO THE ATLANTA ADDRESS AND DEMAND A REFUND. FTC says they've gone out of business and this is a way to get your $$ back. Good luck. We have to stop these people. Their fraud system is huge and out of control. We've been duped. We need revenge now!!! AND OUR $$ BACK!!!!

Doug
Hopkinton, Rhode Island
U.S.A.

Click here to read other Rip Off Reports on Global Financial

STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, its paid for!

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