Report: #389879

Complaint Review: Dynamic Financial Tempe Arizona - Tempe Arizona

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  • Reported By: LOVELL Wyoming
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  • Dynamic Financial Tempe Arizona 7650 McClintock Dr #103-376 Tempe, Arizona U.S.A.

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Dynamic Financial called my mother, Marjorie Hurst, July 14 (although she was on the National Do Not Call Registry) with an offer to reduce her credit card interest rates. She asked them to call me and present their plan to me as she has trouble comprehending anything. I told them that I thought it was a good idea, but I wanted to explain the plan to her and that I would call them back. My mother told me she didn't want to do it as it was too expensive ($595.00). They charged her credit card anyway the same day that I told them to wait.

I called them back and told them to cancel the transaction the next day. They told me she would have to wait until she received the "Welcome Letter" and then cancel. She received the "Welcome Letter" on July 17th and faxed the cancellation to them July 18th. Dynamic Financial claims they refunded the money to her credit card July 23 but Dynamic Financial says they have no transaction number for the refund. Her credit card company needs written verification of the refund.

Dynamic Financial says their Billing Department will contact me in 24-48 hours to address this. I don't know if the Billing Department is going to call me back or not, and Customer Service at Dynamic Financial won't let me talk to their Billing Department. Their Customer Service Representatives are very rude and hang up on me. Their Customer Service Rep says that they have an audio recording of the transaction being authorized but they don't have to play it for us since they claim the money has been refunded.

LOVELL, Wyoming

This report was posted on Ripoff Report on 11/10/2008 06:29 PM and is a permanent record located here: https://www.ripoffreport.com/reports/dynamic-financial-tempe-arizona/tempe-arizona-85284/dynamic-financial-charged-my-mothers-credit-card-and-doesnt-have-proof-of-refund-they-sa-389879. 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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#4 Author of original report

Dynamic Financial Tempe Arizona gave a refund!!

AUTHOR: Marinermama - (U.S.A.)

POSTED: Tuesday, July 14, 2009

They gave my mom a full refund. Maybe they went back and checked their books?? Who knows, but they did give her a full refund.

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#3 Author of original report

Scumbags off scott-free

AUTHOR: Marinermama - (U.S.A.)

POSTED: Friday, February 13, 2009

Those sacks of s**t. They don't respond to Consumer Protection or Better Business Bureau or the Attorney General letters to them, so unless we get a lawyer, we're S.O.L. The Scumbags are getting away with this scott-free. Pieces of s**t!!! KARMA BABY, KARMA!!! Dynamic Financial is a bona fide RIPOFF!!!! By the way, I found out, she WAS on the National do not call registry when these creeps called her.

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#2 Consumer Comment

Dynamic Financial is a FRAUD!

AUTHOR: Victim Of Dynamical Financial - (U.S.A.)

POSTED: Thursday, January 15, 2009

I got screwed with Dynamic Financial along with everyone else who has signed up with them. They offer $3,000 in savings or your money back. That is almost more of a joke than the company itself and the hell bound people that work there.

They say they can lower your interest rates, but they barely even try. The real way they "save" you money is by telling you to pay more than your minimum payment. Helloooo anyone with an IQ of 2 or higher knows that. I'm sure EVERYONE who calls them can barely afford their minimum payments if they can even afford that.

Dynamic Financial is here to make things worse for you! They only add to your C.C. debt resulting in higher payments and more interest charges! They only qualifying they do is they make sure you have enough room on your cards for the $500 charge!

As soon as I signed up, I knew they were a fraud. I tried to get my money back because I knew I would be paying off my cards all at once in about a YEAR and they wouldn't be able to save me $3,000. They wouldn't do it until I paid off my credit cards so I had to wait. Damon(won't give last name, but he is a big shot over there) told me that if I paid off my cards in a YEAR, they wouldn't be able to show me a savings of $3,000 or more according to my "plan" and they would HAVE to refund my money.

A little over SIX MONTHS later, I paid off my $19,000 in debt with one commission check. I called for my refund and they told me to submit my C.C. statements showing zero balances (assuming I wouldn't be able to I suppose). I faxed them my statements and received a call from someone trying to be "gangster" giving me bogus reasons on why I am NOT ELIGIBLE FOR A REFUND. What kind of company takes a gangster approach with their customers?! I couldn't believe the way he was talking to me. I could not believe what I was hearing. It just confirmed that they are a SCAM!

At first he told me they already saved me over $3,000! I'm 6 MONTHS into my 66 MONTH plan! I told them there is no way they saved me $500 a month. He stumbled and said he would call me back. I actually show $0 in savings, but according to their "plan" I know it couldn't even be near $1,000 in "savings". Damon called me back two minutes later and said that I have exceeded the time restriction. It's only been a few days over 6 months and they are telling me now that there is a time restriction of 6 months! When I reminded him that he told me I could get a refund a year from when I started if they didn't "save" me $3,000, he acted like he was completely oblivious to the 6 month time restriction until now. They would have made up excuses for anything that I had to say.

Nothing that I have recieved or signed says anything about a time restriction. I was told specifically by Damon that it is based on where you are at in your "plan" when you pay off all your debt and how much they have "saved" you to that point.

I am glad to see this is the first website that comes up when you search Dynamic Financial. It's too bad more people don't look into things before they commit to something. I know I didn't and I completely regret it. Just keep in mind there are NO refunds with Dynamic Financial. It's not just Damon, this company and all their employees are a FRAUD.

I am meeting with a lawyer to get to the bottom of why I am not approved for a refund. I want legal documentation that shows why I am not eligible for a refund before I let this rest. I am beyond frustrated. It states in the Mutual Service Agreement with no asterisks and no fine print that they will "Provide you with a minimum savings of $3,000.00 in interest and finance charges or your money back".

I understand the bull they mean by "savings" and they didn't even meet that qualification.

I'm sure all these companies stating that you can pay off your credit cards for less than what you owe are total SCAMS!

If hope this post helps keep money out of the devils pockets.

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#1 Author of original report

Dynamic Financial Tempe Arizona

AUTHOR: Marinermama - (U.S.A.)

POSTED: Monday, November 10, 2008

I guess she wasn't on the National Do Not Call Registry after all. That still doesn't change the fact that her credit card company hasn't received the refund and it's been 4 months.

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