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Report: #24454

Complaint Review: Platinum Benefits - Plattsburg New York

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  • Reported By: richmond va
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  • Platinum Benefits 334 Cornellia St., Ste. 247 Plattsburg, New York U.S.A.

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Okay here it is from the beginning. I'm new to this, not sure it's a scam, but hoping it's not. I'm in the process of reestablishing good credit. Have 1 legit credit card for 3 months now with good credit rating and 9.9% interest rate, so I thought this might be for real since my credit is improving. The bottom line is, I'm looking for feedback on this co. I'm still within the 30 days so if you know anything about this co., good or bad, I sure would appreciate reading your story. Thanks and here's my story.

Recvd call mid June, 2002 for an unsecured VISA/MC w/minimum credit limit of $2500 to maximum of $5000. For a fee of $229, I am guaranteed an unsecured VISA/MC. Have been preapproved from 5 banks and can choose to have a card from 1 or all of them. Interest rate locked in at 12% for 5 years. No annual fee, monthly fee, transfer fee, renewal fee or balance transfer fee. My reps name is Gail Ellison @ 514-340-0123. Supv is Todd Blake. They are listed on internet in AT&T listings & ANYWHO listings. Of course they scheduled a bank deduction. Done on 7/5/02 under the name of Platinum Benefit BP. Supposed to recv my package of information 15 days after 7/5/02. In addition to the credit card, I'm supposed to recv a tv satellite system with 2 receivers and free installation as my free gift. They did a verification recording (like some of the other companies listed on this site). Verified my name, address, bank info and date of bank transaction. Was told that for an addtl $39.00 I could have my information shipped 4 days after my transaction date.

After talking with them, I immediately called the 800 number (800-214-4285). Actually reached a person. Was told that if I did not want to go through with the transaction on 7/5, I could call and cancel up to 4 days prior to the 5th. A few days went by. I felt this was a legitimate offer and tried calling them for days to say I'd like to get my information within the 4 days. Could not get through. Now all I can get at the 800 # and their (514) Plattsburgh, NY # is a recording that says the vm box is full and to hang up and call again later.

After viewing the credit fraud section of this website, I've learned a lot. As I said, I'm still within the 30 days so at least I know I have some recourse. Perhaps I've been naive and because I'm legitimately paying off debts and reestablishing credit, I thought enough time had passed and my good payment history had been reported to the credit reporting agencies.

If you have ANY information about Platinum Benefits, please post it quickly. Thanks in advance for your information. If this is a scam, help me so I can help others avoid being ripped off. Thanks again!

Patty
Richmond, Virginia

This report was posted on Ripoff Report on 07/11/2002 09:35 PM and is a permanent record located here: https://www.ripoffreport.com/reports/platinum-benefits/plattsburg-new-york-12901/platinum-benefits-229-unsecured-mc-w2500-limit-scam-or-4-real-plattsburg-new-york-24454. 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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REBUTTALS & REPLIES:
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6Consumer
1Employee/Owner

#7 Consumer Comment

Platinum Benefit Group location

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

POSTED: Tuesday, June 28, 2005

I received a call today from Platinum Benefit Group & do as I always do with unsolicited phone calls from credit co...I hung up, then went online to get info about this co. I was amazed to find this site, even more amazed when I found a report mentioning my hometown of Plattsburgh, NY.

It was old, from 2002, but I wanted to clarify a few things in that report. I noticed the city was mis-spelled, many yrs ago the letter H was added, therefore to be referred to without it, makes those of us who live here suspicious. The major mistake I noticed was the area code the person reporting used...514. Plattsburgh,NY's area code is 518 and the address used 334 Cornelia is a valid address....Enterprise Rent a Car. Probably a person should check into at least the area code to see if it is the code for the city,that's a red flag that the consumer must address.

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#6 Consumer Comment

Its a total scam!!

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

POSTED: Tuesday, September 28, 2004

A few months ago the "company" called me and offered me a credit card...after I said sure and gave them my account info they tell me its a prepaid credit card. I called the next day and cancelled the card but somehow the guy I talked to didnt put in the system that I cancelled it or even that I called. So that Friday they tried to take the 89.95 out of my account and made me overdrawn. After them trying to take the money out of my account twice after I spoke to a fwe different people at the "company" I went to my bank. Thank God the woman at the bank understood me and gave me ALL the money back this "company" stole from me. But now I have a new problem, this voice mail service through them is taking money out of my account for something I didnt even know of. Its a complete hassle and Im getting very tired of it.

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#5 Consumer Comment

Its a total scam!!

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

POSTED: Tuesday, September 28, 2004

A few months ago the "company" called me and offered me a credit card...after I said sure and gave them my account info they tell me its a prepaid credit card. I called the next day and cancelled the card but somehow the guy I talked to didnt put in the system that I cancelled it or even that I called. So that Friday they tried to take the 89.95 out of my account and made me overdrawn. After them trying to take the money out of my account twice after I spoke to a fwe different people at the "company" I went to my bank. Thank God the woman at the bank understood me and gave me ALL the money back this "company" stole from me. But now I have a new problem, this voice mail service through them is taking money out of my account for something I didnt even know of. Its a complete hassle and Im getting very tired of it.

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#4 Consumer Comment

Its a total scam!!

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

POSTED: Tuesday, September 28, 2004

A few months ago the "company" called me and offered me a credit card...after I said sure and gave them my account info they tell me its a prepaid credit card. I called the next day and cancelled the card but somehow the guy I talked to didnt put in the system that I cancelled it or even that I called. So that Friday they tried to take the 89.95 out of my account and made me overdrawn. After them trying to take the money out of my account twice after I spoke to a fwe different people at the "company" I went to my bank. Thank God the woman at the bank understood me and gave me ALL the money back this "company" stole from me. But now I have a new problem, this voice mail service through them is taking money out of my account for something I didnt even know of. Its a complete hassle and Im getting very tired of it.

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#3 Consumer Comment

Its a total scam!!

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

POSTED: Tuesday, September 28, 2004

A few months ago the "company" called me and offered me a credit card...after I said sure and gave them my account info they tell me its a prepaid credit card. I called the next day and cancelled the card but somehow the guy I talked to didnt put in the system that I cancelled it or even that I called. So that Friday they tried to take the 89.95 out of my account and made me overdrawn. After them trying to take the money out of my account twice after I spoke to a fwe different people at the "company" I went to my bank. Thank God the woman at the bank understood me and gave me ALL the money back this "company" stole from me. But now I have a new problem, this voice mail service through them is taking money out of my account for something I didnt even know of. Its a complete hassle and Im getting very tired of it.

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#2 REBUTTAL Individual responds

credit card fraud

AUTHOR: George - ()

POSTED: Tuesday, December 03, 2002

This is a scam a lot of people dont have the Internet to see that this is a scam find a way to let every boby no.

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#1 Consumer Suggestion

Platinum Benefits Services a SCAM....

AUTHOR: anti - ()

POSTED: Thursday, July 11, 2002

It is a scam. The address is a mailbox, the "company" is not registered/licensed to provide credit cards/loans, there is no any legit bank behind them issuing the cards either. They are relatively new. The dozens reports on different web sites, describe the same process as you experienced, but none of them mentions sucessul cancellation, getting refund or getting any card.



To offer garanteed credit line(s) over the phone for upfront fee is federal offense. No legit bank ever does it.



Credit card companies can, and do get information about peoples credit scores, and they do offer PRE-approved cards, but they do not use middlemen shady companies. They first send a lenghty application form, a lenghty list of terms. Only after reading your application (job, income, etc.) offer they an approved credit line. If there is a fee, they charge with it your new card. I assume this is how you got your current credit card.



Many shady/illegit companies buy the name/addresses of people with not perfect credit history, people in the process of credit reestablishing. These scammers then call these vicitms, offering false hope in the form of high limit credit card, loan, credit repair services, etc.



You will get many similar calls. Please, do not accept any offer over the phone. Request it in mail. Then hang up the phone before revealing any information about yourself.



Even if the offer is legit, there is no way you can see all the details, the fine print during a 5 minute long call. Other danger: the indetitiy thiefs. Anybody can claim to be from a legit bank. To reveal your data to a criminal?



If you get any offer in mail, give yourself 5 days. To cool down, to consider, reconsider, research the offer. Come to RipoffReport, ask for information. Type into your search engine : "business name+scam" . If you cannot find any information about a so-called bank, it is a warning sign.



What to do now? Go to your bank, fill a dispute for unathorized charge(s).



If you already have a credit card, after 6-9 months you might consider to apply for another from some legit bank, that you choose. (Before applying for it, check a couple of credit card reviewing/rating sites, to collect information.)



Good luck in getting back your money and in getting a real new card:-)

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