• Report: #180506
Complaint Review:

PC One Club

  • Submitted: Fri, March 10, 2006
  • Updated: Fri, March 10, 2006

  • Reported By:Farmington New Mexico
PC One Club
Champlain, New York U.S.A.

PC One Club ripoff says credit card will rebuild your credit but you never get card after paying $349 processing fee Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!

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I was contacted by Darrel Smith in regards to getting a Mastercard. I was told there would be a $4,000 spending limit, 0% interest for the first 24 months. He told me there would be a $349 one time processing fee which would be deducted from my bank account on 10-14-2005 and I should have the card by 12-05-2005 at the latest and if I didn't have it by then to contact him. He gave me a confirmation number to use as a reference.

The money was pulled on 10-20-2005. I called on 12-07-2005, and was told that I could either wait another 6 weeks for the card or get a refund. I said I wanted my refund. I was then told I would receive a check by 01-07-2006. On 01-09-2006 I called again. I was told they backed up, but I would have a check by 01-22-2006.

On 01-21-2006 I received a manilla envelope in the mail with three advertisements and two pieces of styrofoam. I called the number on the PC One Club Letter that was with the flyers. I was told to send back the package because I could not receive a refund without it. I sent the package back certified and it was delivered to PC One club on 01-26-2006.

I called again on 01-30-2006 and was told there would be an investigation as to why I had not been refunded and I would have a check within two weeks.

I called again on 02-15-2006. I was told that this was only a customer service to PC One Club and that they would send a message to the company requesting the results of the investigation. I asked if this is common practice of PC One Club to not refund their customers, the representative actually told me YES!!

I called again on 02-20-2006 to find out why I hadn't been refunded. I told them that I wanted the number to PC One Club since they could not resolve the problem. The rep was completely rude and said the only way they had of contacting PC One Club was through email. I asked for the email address, she said she couldn't give it out. I asked to speak to her supervisor. She told me she was not going to get her supervisor just because someone didn't want to wait on their refund. I told her I had been more than patient, had done everything asked of me, and that they were actually being fraudulent in there sales. She said I was welcome to refer their information to Law Enforcement. I told her I did not want to do that, but if that's what was necessary to get my money back I would do so.

On 02-20-2006 I sent a letter to the local FBI Office. On 02-21-2006, an agent called me back and told me that because it was $349 they could not pursue the case, but that they did also show a report filed out of Los Angeles, CA. If they could round up enough victims, they could prosecute the case. He also told me to report to the Better Business Bureau, and have them run a credit report to make sure the "company" that had my information was not attempting identity theft. He also told me to make sure anyone I knew of who had a similar experience with this company to report to there local FBI offices. With enought reports, this case can be pursued.

I may not have gotten my money back (yet) but I refuse to let these people off the hook!

Farmington, New Mexico

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 to 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 Report.com. 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/controller 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 Report.com & Author of www.ripoffrevenge.com

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

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

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

This report was posted on Ripoff Report on 03/10/2006 05:42 PM and is a permanent record located here: http://www.ripoffreport.com/reports/pc-one-club/champlain-new-york/pc-one-club-ripoff-says-credit-card-will-rebuild-your-credit-but-you-never-get-card-after-180506. 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.

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