Global Financial ripoff Atlanta Georgia
Well, like the rest of you, I was wronged by this so-called Global Financial.
My husband and I have not been out on our own very long (we're in our early 20's), we both work dead-end jobs and are living in a one-bedroom apartment. Needless to say, not many credit card companies want to take a risk on us and our complete lack of credit history so we've been turned down in the past when we've applied for cards.
When I recieved a call from a Global Financial wanting to offer me a credit card, I was thrilled and didn't find anything suspicious about it at the time since I'd sent in a few online applications and figured it was just one of them getting back to me. Looking back on it, I wish I had been a bit more wary. Solicitors, in my past experience, when they roll you out of bed at 7:30 AM, are very apologetic and ask if they can call back later. Global seemed very pushy and determined they were going to dance rings around me while I was still groggy and disoriented (probably the way they preferred to deal with their "customers").
Anyway, I was presented with an offer for a credit card with a $2500 maximum and $100 in free gas coupons. It seemed like an amazing offer for what they were asking, and I readily accepted. After finally paying off my husband's ER bill from nearly a year ago, we had been able to start getting our noses above water again and had squirreled a little more than $300 in the bank, which was a welcome change of pace from the negatives we had gotten used to. When this company informed me that I would need to cover an up-front fee of $221.95 to recieve my card, I agreed.
The funds were removed from our account a couple of weeks later via a direct transfer, and then we heard nothing. Calls to Global Financial were met with song-and-dance routines about how they had a backlog of customers to work through and that they were shipping out cards as they got accounts squared away. We were assured that we would get ours shortly.
Ironically enough, about a week ago, we got a call from a company calling themselves Premier Financial (Another scam company, by the way. Not sure if they're a rival scam or just another offshoot of Global) saying that we had been approved for a card. When I told them we were already going to recieve one from Global, the operator seemed flustered and explained that Global was a scam company mimicking them and stealing their business and I should try to get my money back as quickly as I could.
Distressed, I placed a call to my bank and was directed to the bank that Global had been working through. The operator there explained that Global Financial had closed its doors a week ago and gave us an address to write to to try and reclaim our money. At this point, we're not holding terribly high hopes in getting it back, but we will certainly do what we can.
To the former Global Financial employees who are trolling this forum and have the absolute audacity to jeer at the wronged people who are filing rightful claims against your company, how dare you try and place yourselves on a pedastal above everyone else here? I've been sickened and appalled at the reponses I've seen to upset people you've conned for your 200-plus dollars where you laugh in their faces.
I, personally, do not care if Global was, at one time or ever, an honest company. The point is, you've ripped off countless people, stolen money, betrayed trust, and now are trying to justify yourselves on the premise of "Oh..well...you should've known better. You went through verification, blahblahblah" ....YES these people went through verification and agreed to your terms because they were told they were going to recieve a credit card. The fact you are trying to use a falsified recorded contract (which, by the way, you are in breech of) in your defense just shows off the limited arsenal you're truly attempting to work with.
Enjoy my money. I hope you choke on it.
Katherine
Lakewood, Washington
U.S.A.
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3 Updates & Rebuttals
Katherine
Lakewood,Washington,
U.S.A.
Global under a new alias?
#4Author of original report
Sat, May 24, 2003
I received a call from BHC Financial this morning and it seems that their act is very similar to GF's. I placed them on speakerphone and recorded our conversation. This is a script of how it went:
BHC: Hi is this Katherine?
Me: Speaking.
BHC: Hi Katherine, my name is Chloe and I'm calling you today on behalf of BHC Financial. The reason for calling, Katherine, is our records indicate that you have applied for a Visa in the past six to ten months?
Me: I have....
BHC: Okay good, now if I may just verify that I have your correct information, can I please confirm a few things with you?
Do you still reside at ******?
Me: Yes.
BHC: And you are at least 18 years of age?
Me: Yes.
BHC: Is your household income more than
$900 a month?
Me: Yes.
BHC: And you have a valid checking or savings account, correct?
Me: Yes.
BHC: Alright, good Katherine. Based on this information you are qualified to receive your Visa, that will be arriving to you within ten business days, and your Visa has a maximum charge of five thousand dollars. In addition, you will also recieve a benefits package as a thank you from BHC Financial for applying through us. Included will be a free cel phone with 250 anywhere minutes and you will be entered for a chance to win a trip for you and three others to Disneyworld. How does that sound?
Me: Too good to be true actually...
BHC: *laughter* Okay Katherine, now in order to qualify for these benefits and recieve your card, you will be asked to pay a one-time membership fee of $206.51. For your convenience, we can electronically debit it right from your checking account at a draft date that you specify. When would be convenient for you?
Me: Ma'am, not to annoy you, but I've already been taken for a ride once by a scam company. I'm not agreeing to anything until I get a chance to do my homework on your company. I have a pen and paper right here, can I get your company's telephone number, a website address if you have one, your full name, your company's address and your company's full name?
BHC: *pause* Well, if you have concerns, Katherine, I would advise looking us up on the better business bureau. You can find them at www.bbb.com.
Me: Yes, but I didn't ask that. I'd just like to get some information from you, that's all. All I'm going to use it for is to run some searches online and call Visa to make sure you guys are a legit company.
BHC: I'm afraid I'm not at liberty to give out personal information like that, but if you like I could schedule your draft date for thirty days from now and you can call and cancel at any time, would that be okay?
Me: So what you're telling me, essentially, is that you can't give your company's phone number or address out? That's odd, where would your customers mail the credit card bills to or call if they have account questions?
BHC: *pause*
Me: Have you ever heard of Global Financial?
BHC: Yes I have! Some of my customers have told me about how they were taken for a lot of money. Wasn't that awful?
Me: Ma'am, no offense or anything, but I'd start asking questions about your own company if I were you. I'm not saying you're personally at fault here, but there might be some things your management isn't telling you and you guys might end up being the next Global. Have you received a paycheck working for BHC yet?
BHC: Katherine, I can see that you're a bit undecided and that's all right, we understand. If you want, I could call you back on Tuesday after you've had some time to think and we could try this again...
Me: I'm not interested. *hangup*
So...beware, everybody. Apparently Global has several sheepskins to wear when they hide amongst the flock.
Katherine
Lakewood,Washington,
U.S.A.
Global under a new alias?
#4Author of original report
Sat, May 24, 2003
I received a call from BHC Financial this morning and it seems that their act is very similar to GF's. I placed them on speakerphone and recorded our conversation. This is a script of how it went:
BHC: Hi is this Katherine?
Me: Speaking.
BHC: Hi Katherine, my name is Chloe and I'm calling you today on behalf of BHC Financial. The reason for calling, Katherine, is our records indicate that you have applied for a Visa in the past six to ten months?
Me: I have....
BHC: Okay good, now if I may just verify that I have your correct information, can I please confirm a few things with you?
Do you still reside at ******?
Me: Yes.
BHC: And you are at least 18 years of age?
Me: Yes.
BHC: Is your household income more than
$900 a month?
Me: Yes.
BHC: And you have a valid checking or savings account, correct?
Me: Yes.
BHC: Alright, good Katherine. Based on this information you are qualified to receive your Visa, that will be arriving to you within ten business days, and your Visa has a maximum charge of five thousand dollars. In addition, you will also recieve a benefits package as a thank you from BHC Financial for applying through us. Included will be a free cel phone with 250 anywhere minutes and you will be entered for a chance to win a trip for you and three others to Disneyworld. How does that sound?
Me: Too good to be true actually...
BHC: *laughter* Okay Katherine, now in order to qualify for these benefits and recieve your card, you will be asked to pay a one-time membership fee of $206.51. For your convenience, we can electronically debit it right from your checking account at a draft date that you specify. When would be convenient for you?
Me: Ma'am, not to annoy you, but I've already been taken for a ride once by a scam company. I'm not agreeing to anything until I get a chance to do my homework on your company. I have a pen and paper right here, can I get your company's telephone number, a website address if you have one, your full name, your company's address and your company's full name?
BHC: *pause* Well, if you have concerns, Katherine, I would advise looking us up on the better business bureau. You can find them at www.bbb.com.
Me: Yes, but I didn't ask that. I'd just like to get some information from you, that's all. All I'm going to use it for is to run some searches online and call Visa to make sure you guys are a legit company.
BHC: I'm afraid I'm not at liberty to give out personal information like that, but if you like I could schedule your draft date for thirty days from now and you can call and cancel at any time, would that be okay?
Me: So what you're telling me, essentially, is that you can't give your company's phone number or address out? That's odd, where would your customers mail the credit card bills to or call if they have account questions?
BHC: *pause*
Me: Have you ever heard of Global Financial?
BHC: Yes I have! Some of my customers have told me about how they were taken for a lot of money. Wasn't that awful?
Me: Ma'am, no offense or anything, but I'd start asking questions about your own company if I were you. I'm not saying you're personally at fault here, but there might be some things your management isn't telling you and you guys might end up being the next Global. Have you received a paycheck working for BHC yet?
BHC: Katherine, I can see that you're a bit undecided and that's all right, we understand. If you want, I could call you back on Tuesday after you've had some time to think and we could try this again...
Me: I'm not interested. *hangup*
So...beware, everybody. Apparently Global has several sheepskins to wear when they hide amongst the flock.
Katherine
Lakewood,Washington,
U.S.A.
Global under a new alias?
#4Author of original report
Sat, May 24, 2003
I received a call from BHC Financial this morning and it seems that their act is very similar to GF's. I placed them on speakerphone and recorded our conversation. This is a script of how it went:
BHC: Hi is this Katherine?
Me: Speaking.
BHC: Hi Katherine, my name is Chloe and I'm calling you today on behalf of BHC Financial. The reason for calling, Katherine, is our records indicate that you have applied for a Visa in the past six to ten months?
Me: I have....
BHC: Okay good, now if I may just verify that I have your correct information, can I please confirm a few things with you?
Do you still reside at ******?
Me: Yes.
BHC: And you are at least 18 years of age?
Me: Yes.
BHC: Is your household income more than
$900 a month?
Me: Yes.
BHC: And you have a valid checking or savings account, correct?
Me: Yes.
BHC: Alright, good Katherine. Based on this information you are qualified to receive your Visa, that will be arriving to you within ten business days, and your Visa has a maximum charge of five thousand dollars. In addition, you will also recieve a benefits package as a thank you from BHC Financial for applying through us. Included will be a free cel phone with 250 anywhere minutes and you will be entered for a chance to win a trip for you and three others to Disneyworld. How does that sound?
Me: Too good to be true actually...
BHC: *laughter* Okay Katherine, now in order to qualify for these benefits and recieve your card, you will be asked to pay a one-time membership fee of $206.51. For your convenience, we can electronically debit it right from your checking account at a draft date that you specify. When would be convenient for you?
Me: Ma'am, not to annoy you, but I've already been taken for a ride once by a scam company. I'm not agreeing to anything until I get a chance to do my homework on your company. I have a pen and paper right here, can I get your company's telephone number, a website address if you have one, your full name, your company's address and your company's full name?
BHC: *pause* Well, if you have concerns, Katherine, I would advise looking us up on the better business bureau. You can find them at www.bbb.com.
Me: Yes, but I didn't ask that. I'd just like to get some information from you, that's all. All I'm going to use it for is to run some searches online and call Visa to make sure you guys are a legit company.
BHC: I'm afraid I'm not at liberty to give out personal information like that, but if you like I could schedule your draft date for thirty days from now and you can call and cancel at any time, would that be okay?
Me: So what you're telling me, essentially, is that you can't give your company's phone number or address out? That's odd, where would your customers mail the credit card bills to or call if they have account questions?
BHC: *pause*
Me: Have you ever heard of Global Financial?
BHC: Yes I have! Some of my customers have told me about how they were taken for a lot of money. Wasn't that awful?
Me: Ma'am, no offense or anything, but I'd start asking questions about your own company if I were you. I'm not saying you're personally at fault here, but there might be some things your management isn't telling you and you guys might end up being the next Global. Have you received a paycheck working for BHC yet?
BHC: Katherine, I can see that you're a bit undecided and that's all right, we understand. If you want, I could call you back on Tuesday after you've had some time to think and we could try this again...
Me: I'm not interested. *hangup*
So...beware, everybody. Apparently Global has several sheepskins to wear when they hide amongst the flock.