Complaint Review: World Benefits Aka Trust Benefits

CLICK HERE to see how World Benefits contacts Rip-off Report to give REFUNDS to unsatisfied customers.

World Benefits they promised for $299 credit repair by way of a "fresh start". They claimed to be the middle man for finding the best credit card for me and my current credit situation.

A represenitive named Brian tells me that they have an agreement or approval with the Bank of America to send me a visa or mastercard with a $2000.00 limit and a fixed apr of 4.9%. He said that the apr would increase with every late payment. Also, there was no activation fee or annual fee. He said that all the bank wanteed was to see that I could make own time payments hence re-establishing my credit. Brian told me that I could call back at anytime and change the debit date for as far of as one year.

He then switches me over to the "deal closer" named Leaha. Leaha tells me that this will be recorded for my protection! She tells me that I should hold all my questions untill the end when she will then transfer me back to customer service for any questions to be answered. She then goes, like an auctioner, through her spill.

She recieved all the info she needed but at the end of the recording she hung up on me. She had given me a customer service number.But when I tried immediately after, to call it was after their business hours. Very conveinant.

I understood her to say that I had to wait three days before I could call back to reschedule the draft date. So, I waited three days and I called back. I spoke with Jennifer, who at this time gives me thier so called email address.I still can't find. She also tells me about the services I would be recieving such as a credit repair kit, health insurance for medicine, and if needed advice from their lawyers.

I changed my draft date from 10-31-03 to 10-10-03. She said if I wanted I could call and change again but I must wait three business days. I called back on 11-7-03 and was told I couldn't cancel. This time I spoke to Myriam, she claimed to be the manager and that she sometimes walks out and takes calls. She tells me that I have to call back three business days for them to be able to cancel. I disputted this and said this was not to my understanding.

She played back the tape and it still wasn't clear to me to support her claim. She said that another company does the drafts and her company had no way to stop payment. She said they had to many files to keep up with if for people to not give them that three day prior notice. I asked her didn't they use computers and couldn't you just pull up my account. I then asked her for the processing companies phone number so that myself and my bank could contact them and she said she didn't have that number and that wouldn't do me any good. I told her that wasn't true because I had to go through the exact process with my cell phone company.

Pretty much livid now, I couldn't belive that a manager wouldn't have access to the processing company that does all their business transactions. She said that my only opption was to contact my bank. She had the nerve to ask me why I could call previously to change my date before three days and couldn't do it now. I called her a liar for misrepesenting and I plain to report them to the better business bureau.

I went to my bank to put a stop payment on the check number they tell you to use as your receit. The bank said they couldn't do a stop payment because it is an eletrionic draft. Without it being an actual check the systems wouldn't know how to recognize it because they really don't use that check number. The bank told me I would have to wait for it to hit my account and then fill out an avidavid.

I had the worst feeling and had a friend who banks with call Bank Of America call Bank of America's customer service. I spoke with a legitimate rep. and she confirmed that in no way is this company affliated with BOA. And BOA doesn't do business with this type of company.

I then had my friend call World Ben. customer # and say they had come across their information and was in need of credit repair and how could World Ben. help. So this "Rep" at the customer service# says let me take your number and someone will call you back in ten minutes.

Someone did call back and they went through their sells pitch. They then mentioned again the name of Bank of America as the agreed provider of the card. My friend asked which Bank of America in thoughts that it might be an unknown Bank of America with a slight change in name. The rep. repeated Bank of America. When my friend says to the rep. that's funny because I do bak with Bank of America and they don't offer anything like this. The rep. hung up immediately.

It hit my account on 11-12-03 showing this World Benifits Auto Debt call 1-800221-0854. Sure wasn't three days past 11-7-03. I filed the paper work with my bank. Now the bank knows where the money went to because they have all the numbers that were not known before. So maybe but I won't hold my breath.

Today, 11-18-03 at 12:42pm, I got a call saying something in regards to my visa or mastercard credit application. I asked her who was this and what company and what company was this one affliated with. The girl named Tia didn't want to tell me,"Mam, why do want to know all of these questions? She was just calling in regards to my credit card" I said for one thing I'd like to know who is calling my phone.

Then she says her name and the company's name is "Trust Benefits". I asked who the company was affliated with and I got the same line of over 26 diffrent companies. I told her I wasn't interested. I should of tried to get more info but I was at work. The caller ID says Trust Benefits phone # is
866-434-9176.

Currently I have three phone numbers, a website that can't be located, and now two diffrent company names. Now I've found this site with so many cheated people. I hope my story helps someone and if someone could help me I'd be greatfull.

Donna
Tucker, Georgia
U.S.A.

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.