Report: #84261

Complaint Review: Prime One Benefits - CCS Credit - Prime One Financial

  • Submitted: Wed, March 17, 2004
  • Updated: Wed, March 17, 2004
  • Reported By: Lowell Massachusetts
  • Prime One Benefits - CCS Credit - Prime One Financial
    363 7th Avenue 9th Floor
    New York, New York

Prime One Benefits AKA CCS CreditPrime One Benefits AKA CCS Credit Or Prime One Financial ripoff THEY ARE FULL OF NOTHING BUT CRAP AND EMPTY PROMISES. New York New York

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I was contacted by a Prime One sales person with an AMAZING offer. A GUARANTEED MASTERCARD with a $1,500 limit. There was a like a 9.7% interest rate, no annual fee, and the intrest rate wasn't introductory, it was fixed. I was told I was guaranteed to get this card, all I had to do was pay the one time enrollment and administrative and processing fees and the card would be in the mailed to me within 3 days of receiving the payment. I made the arrangements for the $187.00 fee. I then got another call to confirm my account information, and that I was authorizing the payment to receive the guaranteed Mastercard with a $1500.00 credit limit. They even asked me how I would like my name to appear, and if I would like a second card for an authorized user at no additional charge.

Needless to say, 3 days after the payment was processed there was no card in the mail. In fact, it wasn't until about 6 weeks later that I recieved anything, and what I did recieve was a folder full of completely useless junk, and an application to apply for credit! So I called the customer service number and explained that I was expecting a card, and what I received was far from it. I explained that I was not going to pay for a credit application, that I could go online and apply for a million cards for free. The gentleman explained that I was paying for the membership to their club, and that they needed the application for the signature and documentation from me with my name, address, etc.

He gave me a fax number and said if I faxed it over to his attention it would be processed immediately. I did this. When I called back 10 minutes later I was told that no one with the name he had given me worked there, and that they had not received a fax. They gave me another fax number and another name, I played this game 3 or 4 times. I did some research, the telephone number that they give out for customer service is a Toronto Canada exchange. I knew 212 was Manhattan, so when I got the package I knew that they were not from New York. I called around (directory assistance etc.) and there was nothing for them in NYC, and nothing listed for the address I gave them.

They connected me to another company in the same building so I could continue investigating, and I was told by them that the office was small, usually unoccupied and seemed to just be a mail drop.

I had my bank dispute the charge, but Prime One took the money right back once my bank did the refund. I have been fighting this since July, it is now March and I am still trying to get my refund. The NY and MA Attn. Gens. claim to have tied hands since the company really seems to be from Canada, though they use a NYC address.


At $187.00 a pop I can only imagine how much money the guy who started this scam has in HIS bank account now that he has drained the rest of ours.

Lowell, Massachusetts
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This report was posted on Ripoff Report on 03/17/2004 12:36 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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