Complaint Review: First Link Financial

December 15 2004 i was contacted by an individual by the name of "Chris Marlin", at least that is what i was told, He explained an offer to me for a $2500.00 Master Card, no monthly or annual fee and a Free 2.0 Gateway computer for a one time only activation, setup, and processing fee of $354.90. I asked specifiaclly if this was a credit card or a prepaid card, and the reply was "it is a 2500.00 limit Mastercard." I then asked the question when would this be deliverd and he stated " you will recieve the Credit Card and the computer within 14 to 21 days."

I spent a large amount of time asking questions and never at any time did he say that i was gonna have to participate in any other promotions to recive either of the items... (computer or credit card) So here is was, January 21.. nothing here.... 24 i decides to call them.... after being on hold 10 minutes someone finally answered and said the the 14 to 21 days did not include weekends or holidays.... I explained that i was told by Jan 21st. I then hung up the phone in disgust. The 30th comes around and still nothing at my house.... and keep in mind i live about 80 miles from champlain, ny. so there should be very little wait on any kind of shipping..... so i call and wait aon hold another 10 minutes only to get a recording saying that all operators are to busy and i HAVE to leave a message and someone will get back with me. It was 10 am on the 30th when i called. No one called me that day or the following day. The 1st gets here... i get a package in the mail from them........ it is ther so called "benefits package" which consist of an application for a "STORED VALUE" card a "terms and conditions agreement" from gateway computer and the way you get a computer is to subscribe to peoples internet for 36 months totaling $860.40.

This was never told to me in the begining. I mean Honestly... i would never consent to anything like this with my knowledge. If i wanted a prepid credit card i certainly would not pay someone else to get one..... i mean "isn't that what a visa check card is?" You put money into your account and use it like a visa card for purchases... i mean come on. i have 3 of them... this is the biggest RIPOFF i have heard of in a long time. These people are real Crooks and this needs to be checked into.

Tommy
evansmills, New York
U.S.A.