ED Magedson – Founder
USA Discounters1767 Oceanside Blvd. Oceanside, California USA
USA Discounters Poor Customer Service, Inconsistent Stories, Insane Prices Oceanside California
I am in the process of attempting to improve my credit after a divorce left me with rather poor credit. I have been able to purchase a new car at a higher interest rate, and all payments have been on time for that. I also have a very solid work history with over 5 years at the same job. I earn a reasonable amount of money (app. $40k per year) and I DO have money in savings...
I contacted USA Discounters because I want to open some small accounts in order to have current credit. I was interested in an alarm system they had (Viper Responder LC3) two way paging alarm with remote start. I applied via the website and was contacted two days later by the manager of the Oceanside store and was informed that I had been approved for $250 with 90 days to pay it off. I asked what the cost of the alarm was and was told $500.
I explained that unless I was able to finance the entire thing, it wasnt worth the effort or increased price to do this so he said that he would work to get my credit limit increased. I had to send him scans of my pay check and drivers licence which I immediately did. The following day I get a call from another person stating that they had not received the documents but that I could pay cash for the balance and just finance the $250. Again, I explained this was not worth the effort.
He stated that he would contact the approvals department and see what could be done. About 30 minutes later he calls me to say that approvals had ONLY approved me for $150 ($100 less than the day before) and that was the best they could do. He explained that it was based on my income...
I asked him how he felt it was in my best interest to pay almost $600 after financing charges for an alarm that I could buy at a car audio shop in the same zipcode for $250 installed and he said that "obviously our services are not for you!" and he began explaining that MOST of their customers do not have the ability to pay cash for anything and that USA Discounters is the last resort for them.
I again explained that I was probably NOT their typical customer, and that I appreciated their effort but I was smart enough to not pay $600 for something that I could get for $250. ESPECIALLY when they were only willing to finance it for 90 days (what good would this really do for a credit rating?)
It seems to me as an educated person, that they are simply over charging for things and then adding additional fees for financing with no regard for how it actually helps a customer or what benefit it has to their credit rating. They are in fact just a store selling products for more than double their value with no intent to help anyone with anything.
This report was posted on Ripoff Report on 01/01/2014 05:31 PM and is a permanent record located here: http://www.ripoffreport.com/reports/usa-discounters/oceanside-california-92054/usa-discounters-poor-customer-service-inconsistent-stories-insane-prices-oceanside-cali-1112150. 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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