Report: #110789

Complaint Review: Guardian Financial

  • Submitted: Wed, September 29, 2004
  • Updated: Wed, September 29, 2004
  • Reported By: Whittier California
  • Guardian Financial
    100 A Walnut Street
    Champlain, New York

Guardian Financial Benefits ripoff- FRAUDULENT info to SCAM the Honest! Champlain New York *EDitor's suggestion on how to get your money back for fraudulent charges to your bank account!

Show customers why they should trust your business over your competitors...

I, too, was SCAMMED by Guardian Financial. Same thing was said to me as to your other victims. "you were approved for a Master Card with a $2000 limit,.... but the processing fee is $249". I, stupidly wanted to have a credit card without an annual fee. So I signed up. My credit card was to arrive in 10-15 days like eveyone else's. But it didn't.

When I called, I actuall did get through and they told me that it would take another 20 days or so. I waited patiently for my new credit card, wanting to transer charges from another card to this new card. I became tired of waiting and I called again. This time, after several attempts to connect with someone, they customer service rep told me that my package would arrive on 9/21/04. I wanted to be certain, so I asked, " my master card will arrive on the 21st?" He verified that it would. 9/21/04 a package arrive. I was so happy. My new Master Card was here!

I opened the big package to find a packet with Guardian Financial Benefits Service written on the outside and a sihloette of a man woman and child. Oh, maybe my credit card is inside, I thought. I opened it to find JUNK! Coupons that are worthless in my area, a thick book titled
Credit Repair and Money Management Guide! This is not what I ordered! Oh, by the way...there was an application for a secured credit card. What a joke! I was scammed and I felt like a fool. I called GFBS the following morning.

I told the rep that answered the line that I did not oder this Guide I was approved for a Master Card and I wanted it FedEx'd to me overnight. She asked me if when I was being recorded I asked them to stop the recording after they said that in 10-15 days your Benefit package will arrive. I told her that I did not stop the recording. She insisted that the recording states that I will not be getting a Master Card but only a package.

She actually even played back my recording. After listening to myself being recorded, she got back on the line with me. I then asked her "what part of that recording said that I will not be getting a Master Card" The recording actually states that " a Benefit Package along with your Master Card will arrive in 10-15 days..." I made her aware of their fraudulent activity and she became defensive. I told her that I wanted my money back and she told me that the only way I could get my money back is if the CEO, Christian Bernard received the request in writing and if he approves the refund. I wrote to him and have yet to hear anything in return. We will see.

Whittier, 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 you 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 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/comptroller 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 & Author of

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

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
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This report was posted on Ripoff Report on 09/29/2004 06:08 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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