Complaint Review: Financing Alternative

We migrated here this year and found out that you need to have a credit history for you to have what you want thru credit. Seems having one needs a credit card and having a credit card needs a good credit history.

I was lured to the commercial they have on TV that they can fix your credit and they report to major credit bureau the transactions that they have. So I called the number posted on the screen and was told the same thing by the operator, gave my information and they set me up for they're first collection. Even though I was having a hard time complying with the payment I tried to meet the deadline with precision at 91.89 every 2 weeks (Presently I made 13 equal payments) for fear that missing a payment would cause me to damage my credit report as they have so expressed by saying that they report too, but whoalah!

When I had the time to access my credit report through Equifax I was shocked to see no Financing Alternative that was reporting and I have a ghost credit report because I was not reported in any way. And when I contacted them (when it was not yet too hard to get in touched with them and the waiting time was less than 20 mins.) how many times I lost tracked about cancelling the service and ask for a complete refund.

They said that I won't be able to refund my money! And to make matters worst, after paying for 3 straight months(which started last May 2004) till as of this time of filing this ripoff report I have not recieved the laptop computer that I was supposed to recieved! And to make it a nightmare is that the bank won't be able to help you recover your money!

ALL I WANT TO DO IS ASK FOR MY MONEY THAT I PRACTICALLY GAVE FOR A SERVICE THAT I NEVER USED OR BENEFITTED FROM! Beware of this scam, they will prey on those who does not have good credit, or no credit at all!

Jose
madera, California
U.S.A.