First Approval Benefits Don't I feel Stupid!! Ripped Off!! Fort Lee New Jersey
Once again, Don't I Feel Stupid!!
I've been there before, yet I have fallen for the same type of scam again. Previously it was with Global Financial, AKA Lenox Capital. But this time around, it really sounded legit.
I received a phone call from a representative for First Approval explaining that I would receive a Gold MasterCard with a 2K limit with a one time processing fee of $269.00. In my attempt to have financial freedom from my parents, I have been very gullible in this type of situation. I had recently applied for credit with MasterCard & assumed that these people were a legit company following up on my recent request. They were even able to tell me that I had recently applied for credit! That makes me wonder where they are getting their call lists???
Anywho...I was told I could get a refund within 30days of receiving my packet or that if I wanted to cancel I needed to do so 4 days prior the withdrawal date. I came across RipOffReport.com in an attemt to find more info on the company...well, I did. I immediately called the company & as of yet have not been able to get through. The transaction has gone through & I'm still trying to get through to them for a refund. Looks like I will be going to my bank once again for their help on this one. I am also looking into a class action law suit towards Lenox Capital after reading of so many others in pursuit of justice with the same company. Thanks for the info RipOffReport!
Jo
Dallas, Texas
U.S.A.
1 Updates & Rebuttals
Jo
Dallas,Texas,
U.S.A.
the Supervisors are only there to confirm taking your money...not to help you get it back.
#2Author of original report
Wed, March 12, 2003
Well, it has only been a few days since I first filed my report regarding this company. I still have not received my package & based on information from other victims, I have enough to decide that I don't want it & I'm not going to wait for them to screw me even more. I have already filed an unauthorized ACH transaction with my bank, however they told me to continue to try & get my money back. I decided I would use that as my ammo when I finally got through to someone @ First Approval. I have already left several messages & have not heard back from them. I actually got through today! I spoke w/ a woman by the name of Kristen Taylor. She was absolutely no help. I told her I wanted a refund. I explained my story...she told me I miscalculated the last day they had to deliver. Supposedly, that is today. She basically tried to make me feel stupid. I wanted to speak to a supervisor. According to her, they do not accept incoming calls. I said this would be a transfer from you to them, not incoming directly to them. She said she did not have anywhere to transfer me to. Obviously the Supervisors are only there to confirm taking your money...not to help you get it back.
Well, I was livid & flipped my top. Ofcourse when you are angry & someone representing a fraudulent company is giving you the run around, you might let a few obscnities escape. I am guilty.
She told me if I did it again, she would hang up. I did not have a right to scream & yell at her, & if I would shut up or be polite she would be able to answer my questions. I told her that she was right, I did not have the right to scream & yell at her personally, but that since she is a representative for a fraudulent company that has ripped me off & pissed me off, & obviously she is the only ear, that I had that right.
What ever happened to freedom of speech? I purposely let out another obscenity & she hung up on me. I immediately called back. Guess who answers the phone? Kristen Taylor. Now, this seems strange to me. I have never come across a legit company & gotten ahold of the same operator twice. Maybe this explains why you stay on hold forever.
Well, I told her that since I obviously was not going to get anywhere with her, to go ahead & send me to voice mail to leave a message for a supervisor to call me back. I explained to her that I had already filed the ACH & I thought it would be simpler just to deal with me rather than a big corporation. That info did not phase her a bit. She said she could not transfer me once again & that she would leave a message for me.
We'll just have to see where it goes from here. I do not expect to hear from them. The whole point of this update though, is don't let them tell you whatever they want to. Don't take any of that as an answer. You do not have to wait for the package that may never arrive or arrives after 60 days to review it & call them for a refund when you see it is nothing you paid for. Go to your bank immediately when you become wary. They seem to be the only help that I am going to get.