Report: #519420

Complaint Review: Online Savings Network

  • Submitted: Wed, November 04, 2009
  • Updated: Sat, February 13, 2010
  • Reported By: dlbyers40 — Floral City Florida United States of America
  • Online Savings Network
    1183 N. 2100 W
    Layton, Utah
    United States of America

Online Savings Network Success Synergy Systems Nick Thomas,Wrote and cashed an e-checkon my account for $199 without my consent. Won't return my calls. Layton, Utah

*Author of original report: Nick Thomas, verifiable proof of my complaint against you.

*REBUTTAL Owner of company: Customer was refunded as requested when verified

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My husband had business dealings with Nick Thomas and Synergy Success Systems, 3 years ago. In the last transaction Mr. Thomas told my husband that he needed our checking account number to process the charge, he wouldn't take a credit or debit card.
Now, 3 years later I notice an unauthorized check drafted to our bank account. It was an e-check made out to Online Savings Network, which is a division of Synergy Success Systems.The check said it was for an Incentive Savings Package and had my husbands name as authorizing the transaction. My husband has been out of the country for 2 weeks so there was no way he could have made this transaction.  I contacted my husband and asked if he had done any business with Nick Thomas, Synergy Success Systems or Online Savings Network. He said no. He has had no contact by phone, email or regular mail for 3 years, with Nick Thomas.I called Mr. Thomas as soon as I noticed the charge on my checking account. He said he would look into the matter and get back with me. He has never called me back and now when I call, I only get an answering machine.I want Nick Thomas to refund my account the $199, he took from us.
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This report was posted on Ripoff Report on 11/04/2009 10:50 AM 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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#1 Author of original report

Nick Thomas, verifiable proof of my complaint against you.

AUTHOR: dlbyers40 - (United States of America)

First I will give information that is easily verifiable. I contacted the State of Utah, Department of Consumer Protection, concerning this matter. A man working for the Utah Department of Consumer Protection named Steve Sjentzsch immediately replied to my concerns. He called, Nick Thomas of Online Savings Network, left a message and sent him a letter concerning my complaint. After waiting 2 weeks and still no rely or explanation from Mr. Thomas, Mr Sjentzch  looked up Nick Thomas residential phone number and was able to contact him there. Mr. Sjentzch threatened Mr. Thomas with a citation if my money wasnt refunded within an allotted amount of time. Shortly after that my refund check was mailed to me.

From my first contact with Mr. Thomas to the date he mailed my refund check was 3 weeks.


The reason I was so quick to file a complaint was that my bank REFUSED to help me in this matter. Since we had given out our checking information to Nick Thomas voluntarily 3 years ago, they wouldnt help us. The laws for consumer protection are different for checking accounts then debit/credit cards.

Concerning the Success Synergy Systems taking credit cards. They probably did. However, my husband tried to pay Mr. Thomas with a debit card (our usual method of payment) and he would only take a check for the purchase. I know our spending habits. We dont use credit cards. So in response to Mr. Thomas saying the card must have been declined. It didnt happen. The money would have come from the same account whether we used a check or debit card.

In response to the other claims by Mr. Thomas, all I know is this. Three years ago my husband did business with Success Synergy Systems. He gave Nick Thomas our checking account information. Three years later, a $199 unauthorized e-check  is cashed in the same checking account. The check was wrote by Online Savings Network, also owned by Nick Thomas.

No matter how you explain what happened, it is still un-responsible business practice.



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#2 REBUTTAL Owner of company

Customer was refunded as requested when verified

AUTHOR: Nick - (United States of America)

This customer was refunded as requested as soon as verification could be made of the payment actually having been processed and an investigation of the issue. It took a couple weeks to verify as the payment was processed by mistake, was submitted by a sales staff member incorrectly, entering information from an old database based on a similar customers name and we have corrected this issue with our staff and system.  We also needed time to verify these funds had not been already been sent back to her bank as a reported issue through them. We did not want to refund twice.

Let it be know that this report was filed within a day or two of it being reported to me directly which gave me no opportunity to resolve this before making this report. I told her when she called me it would take some time as I didn't have record of the transaction nor could I find any funds that had been received from her or her husband. Her expectation to have me call her back within a day or two was not reasonable. She also did not and has not reported having received the refund from Online Savings Network and that it was resolved.

The information reported here about a past transaction is not accurate or true. Online Savings Network is not a division of Success Synergy Systems and is a separate business.  Success Synergy Systems did take credit cards and the taking of an online check was an option for the customer which they could choose when making a purchase. If their credit card did not process then I could have requested a payment by check.
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