One Step Above the Rest Elder trickery & scammers. Offers ZERO-value services that anyone could accomplish with a simple phonecall Kissimmee Florida

One step helped me not only get rid of a debt it helped me get on track to my future.wth is this persons prob? Does she have a hidden agenda with her moms finances? Hmmmm....makes me wonder. 

 This lady does not know when to put the shovel down. Please keep talking and keep digging your hole.  She obviously has confused my mother's recording with another one of her scams.  She keeps "acting" like they have provided some kind of service.  Again, the fact is they have provided NOTHING.  That is so easily proven, I don't know why she doesn't shutup.  Her earlier post stated clearly that they don't charge the account until they have provided their service.  That's interesting since the charge has been on my mother's card now 4 weeks and she never received the credit card from Bank of America where all the magic was to begin to make it worth $900. 

No, there has been ZERO follow-up and ZERO service, so much so, the card never even arrived. And the sales guy in a panic was "acting" like he would get fired if my mother didn't find that credit card.  He has to at least give a "c" performane that he has done something to earn $900 and to do his best to flip the problem on her. But the fact is, they never put in the request with BofA to send a credit card to my mother.  They simply debited my mother's credit card for $900 from the jump, and then tried to let things ride.  That is the definition of this company.  That is a SCAM.   

And to make wild speculations on what interest is owed on my mother's credit card, the items she buys, what she must be doing (i.e., medical expenses), and why this old lady is carrying a 4 figure balance  -- go ahead, with shovel in hand keep talking.  No really,  please keep speculating on a public forum. Who is at the helm? In my opion, not the sharpest knife in the drawer. As I stated before my mother is not financially strapped, in fact just the opposite. That is why your service was so ridiculous and particularly unnecessary. But feel free, go ahead with your wisdom and clairvoyance and speculate some more ....  no really, PLEASE!!

As owner of said company, I have every right to respond.

Canned testimonial used over and over? Do you see any other complaint on this site about my company? No. She states that we will be in business under a different name next month. No. We have had the same company with the same name for 5 years. A rebuttal by a client of ours is here and she's been with us a year and a half as she states and you can read for yourself.

We do not rip anyone off, ever! Rip off Report informed me of this lady's posts. Otherwise, I would have never known about this person's posts. It is not her business. She has no Power of Attorney over her mother.

Her mother DID receive her card. We have it on recording. We saved the woman $5891.59 in interest charges over the long haul. I will not say how much debt this 83 y.o. has, but I will say this: How in the world did a woman this age accumulate all that debt? She must get out and shop or put medical bills on it. Or perhaps, she has had some help running up that card by her broke mortgage broker daughter who works for "Homeward." Looky at those complaints.

We saved the woman $5891.59 in interest charges over the long haul. Now this daughter of hers doesn't want her mother to have or use the card! If it's so easy to get lower rates, why didn't she help her mother? Is she the caring daughter she proclaims to be, or some angry lunatic who is a compulsive liar? She would rather her mother pay very high interest rate because she thinks we charged too much. It is absurd beyond my imagination.

 No surprise that the testimonial was sent by owner of the company, and probably used over and over as your one canned testimonial that you wrote yourself.  Open the attachment.  One BING search provides multitudes of credit card companies offering the the transfer of balances for 14, 15 & 18 months, 0% interest.  AGAIN, if you had actually got off you lumps and did something I would say the service is worth $25 since it is so easy to come by, but you did it for me.  But $900 which is not just for the service but a membership fee when you will be in business under a different name next month?  That is a SCAM.

Interestingly this scammer knew I would post regarding their scam and was on it the moment it came out. It’s sad that she has to point out that I am the daughter and that is irritating to her.  Because her customer is 84 years old.  That is who she wants to talk to, not me.  I wonder why?? The obvious reason is that they (the legitimate business) called my mother back in a panic the day they got a notification from Discover card that said the nearly $900 charge was being disputed.  Their sales guy immediately called my mother scrambling around, acting like he was going to get fired if she did not find the Bank of America card that had been sent to her in the mail.  She innocently went through her mail and did not see any credit card ---THANK YOU!!  Because if this sales guy had follow-through and actually had done a legitimate service and fulfilled the order, and had BofA sent my mother a card, then she probably would have given him the new card number where he could transfer her balance.  BUT GUESS WHAT? He took her money, and that was that.  He hoped no one was checking her credit card statement (me), and was banking that no one would question what that charge was about.  Therefore, my mother within 2 weeks of this bogus transaction decided she was not interested, and these scammers nearly had a fit.  The yelling receptionist equated my mother’s right to do business with them was the same right my mother has to go to the mall and buy something. She yelled that I was infringing on my mother’s rights.  The DIFFERENCE is, if my mother got her mall-purchase home and decided she didn’t like the color, changed her mind or we discussed it and she decided she didn’t really need it, she could return it for a full refund – especially within 30 days.  It hadn’t been two weeks and this so called “company” supposedly sold my mother a service, but had done ZERO towards fulfilling the service, and then had a hissy-fit when my mother changed her mind.  And no I did not take my mother’s card away.  I don’t even live in the same state. But the fact is they were too lazy to even follow through with the service they sold.  Thankfully the recordings will not only provide their customer’s unwitting consent to buy their service, but if unedited (brainiac warning; technology can detect this) will provide all the sordid lies they tell to get a sale.  For instance, the receptionist told my mother that they were a very legitimate business with lots of branch offices across the country.  What a joke!!   It will catch up to them, but the sad thing is they will shut down their operation and reappear with a new name, which is probably what they have done multiple times in their 5 year existence.

 I am a client of One Step Above the Rest.  Because I am 66 years old I am considered one of the elderly.  I have been with One Step Above The Rest for 18 mohths and have been very satisfied with the service they have provided me If this lady who filed the complaint had helped her elderly mother with what she thinks she could have done then she should have helped her.  One Step Above the Rest has helped me to pay off one of my credit cards and lower two of my other credit cards. I consider myself to be "computer challenged "and I needed help to get my finances in order as I'm sure the elderly woman needed help from One Step Above the Rest.  I can sleep a whole lot better now that I have had the help and I'm able to have money left over at the end of each month.  The elderly woman's daughter did not have a valid complaint  and should withdraw her Rip-off.

Our company has been in business for 5 years and we are registered with the state of Florida.

We do not scam. We do legitimate business. Now I’d like to address this lady’s complaints:

First of all, this lady is not a client of ours. Her mother is. She is the daughter. We do not discriminate based on age, gender, religion, disability, ethnicity, marital status, sexual orientation, or national origin. We have clients as young as 23 y.o. and as old as 93 y.o. We do not “target” the elderly as this woman claims. We prefer not to have an 800 number, and we believe our clients like this too. We do record our conversations with our clients and they are notified of this as required by FL law. The reason behind this to protect ourselves and our clients in the event of any dispute which may arise. Yes, we use google which caters to corporations by allowing us to use google calendar, spreadsheets, etc. There is nothing sinister about this. One can call their credit card company and ask for a lower rate, but 99% of the time, their credit card company will not do it. What we did for this complainer’s mother is get her approved for a Zero %  interest rate from an extremely high interest rate for 15 months on both purchases and balance transfers. Now, all her payments go to principal, not interest. Our clients pay a one- time fee once we complete the work. They agree to it. So, if she needs help in 15 mths, we help her again at NO additional charge. On a check with this complainer's phone number, we found out she called from her work in TX from a place called "Homeward." Type that in ripoffreport.com and see the number of complaints.This complainer has taken the card away from her mother (The mother, the actual client, told us this, and we have it on recording.)  Let me ask you, how would you like it if one of your older children took your credit card? Who is the real scam artist?