Complaint Review: Elite Gold Club Card

These souless beings, lure you in with a Cash Advance/ Loan Application. I got directly linked to the website from www.100DayLoans.com

They linked me to a page to this website http://members.elitegoldclubcard.com

However, the direct link, AND page, is not available, if you didn't fill out an application through www.100Dayloans.com.  You can only see the page I saw, when you apply through www.100Dayloans.com  The webpage I saw, ONLY said: Apply for up to $1500 CASH advance.

They already had a lot of my information pre-filled, due to the application I filled in with www.100Dayloans.com. I needed a personal loan, so I figured, www.100DayLoans.com linked me to a lendor that is willing to deal with my credit, which is poor, but not horrid. 

All I had to do was, fill in a few blanks, and I submitted my application, seeing what loan amount I could get approved for.

 Afterwards, I got this confirmation email:


" " Dear *****,

Welcome to the exclusive Elite Gold Members Only Program. You can start today receiving the credit you deserve for making purchases at our online shopping mall and enjoy Zero Percent Financing on everything from diamond jewelry and household furnishings to computers and TVs..well even finance your family vacations including lodging and airfare to the most exotic and fun filled destinations you can imagine!

Your Password is: ********
Your Login is: *******@****.com 

Go see your benefits now by clicking below:

We look forward to providing you with great financial benefits for many years to come. If you ever have any questions please call us Mon Sat from 8 to 8 Eastern Time toll free at 877-260-8918 

Happy Shopping!

Carol Wright
Customer Welcoming Manager
Elite Gold " "



Now, this is when the red flag goes up, for me at least. I wanted to get a $ Loan! I trusted www.100Dayloans.com to send me to a legitimate website.

Now I try and cancel right away, before they charge me any "membership" fees. Too late... They lure you in through a Cash Advance "Application", then on the phone, they told me I was being charged $44.95, just for submitting the application, and I should have read ALL of the fine print, which you really have to search for. 

Before I called, I looked exactly for this type of information. Here is a sample of their Terms and Conditions: 

" "DESCRIPTION OF MEMBERSHIP AND FEES

As a Member you hereby authorize Elite Gold Club (DHM) to debit the method of payment originally provided at the time of your enrollment for any initial and applicable enrollment fee(s) disclosed at the time of your enrollment. To maintain your membership in good standing you will also be billed a monthly membership fee of $24.95 on the 30th anniversary date from your original enrollment date and each subsequent 30 day period until you contact Member Services to cancel your Membership by calling 1-866-260-6918    or emailing a cancellation request to support@elitegoldclubcard.com. To cancel your membership and avoid being billed for the next subsequent 30 day membership period you must contact Member Services five (5) days prior to your next monthly anniversary date.

30 Day Refund Policy: Anytime during the first 30 days from the original date of enrollment upon proper request Members may cancel their membership and receive a 100% refund of any enrollment or membership fee(s) paid." "

Try and find the $44.95 fee, they claimed to have charged me. Exactly... I couldn't find it either. The rest of the Terms and Conditions are irrelevent to charges.  

Regardless, it says at the bottom that I can get a refund. Now...get this. I called them back, and raised my voice, this time. I spoke to somebody different, and this time, they DID SAY THEY'LL REFUND MY MONEY.

So the first person made a mistake?? They're new?? It doesn't matter, for all I know, is that they're trying to find someone dumb enough to find truth to their words, and accept the fact that they just lost $44.95. This is unbelievable. Both people I spoke to, had thick "foreign" accents. Also made me very uncomfortable in the legitimacy of the company. 

So please, spread the word about these guys.

And please DO NOT use www.100DayLoans.com under ANY circumstances. They are just as bad, if not worse, than these guys.