- Report: #219815
Complaint Review: Ameritrust Financial - Dunedin Florida
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Ameritrust Financial
1425 Main St. Ste C Dunedin, 34698 Florida, U.S.A.
Phone:
866-529-7037
Web:
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Ameritrust Financial Will not refund $200 that was debited from my checking account for a credit card that was misrepresented to me. Ripoff Dunedin Florida
I was contacted by a sales representative from Ameritrust Financial, offering me a credit card and saying I was approved for it.
I work for a church who covers my basic living expenses and I only recieve an allowance of about $44 per week. Getting approval for a credit card is next to impossible with my yearly income, so I wanted to take advantage of this opportunity. I didn't need a credit card but saw it as a way that I could purchase items I needed and build a credit record at the same time.
I gave a verbal authorization to the sales representative to debit the $200 from my checking account and was told that I would receive the card and four vouchers in the mail that would pay back the $200 that I put down for the card.
The $200 was debited from my account. I then received a guaranteed acceptance letter in the mail from Ameritrust Financial for me to fill out and send back in so that I could receive the card. The envelope was hand-written and the acceptance letter unprofessionally printed, so I got suspicious as to the financial security of this company.
I then got access to the internet and checked them out and found out that the only purchases you can make with their credit card are from their magazine or online store. This was never mentioned when I received the call from their sales representative. In fact, it was obvious that the card was misrepresented and this information was intentionally withheld so that I would accept the offer for the card.
I called Ameritrust Financial's Customer Service Number and said that as I had not received the card yet, nor the $200 in vouchers, I would like to have my $200 returned as I did not want the card. I was told that I would have to send a letter to the "President's Council" and that it would take 4 to 6 weeks for my letter to process. There was also no guarantee that I would be refunded my $200.
I think that this type of practice is dishonest and the staff and executives of Ameritrust Financial should be ashamed for this type of activity. There is nothing wrong with selling a credit card, but there is definitely something wrong with misrepresenting themselves and then not allowing a refund once the facts were on the table.
That $200 took me about 5 weeks to save up and with the holidays coming up, I needed to use it for specific purchases, not purchases from the Ameritrust Financial Catalogue. Had I known that was the intention for that credit card, I would not have accepted it.
Flora
Los Angeles, California
U.S.A.
I work for a church who covers my basic living expenses and I only recieve an allowance of about $44 per week. Getting approval for a credit card is next to impossible with my yearly income, so I wanted to take advantage of this opportunity. I didn't need a credit card but saw it as a way that I could purchase items I needed and build a credit record at the same time.
I gave a verbal authorization to the sales representative to debit the $200 from my checking account and was told that I would receive the card and four vouchers in the mail that would pay back the $200 that I put down for the card.
The $200 was debited from my account. I then received a guaranteed acceptance letter in the mail from Ameritrust Financial for me to fill out and send back in so that I could receive the card. The envelope was hand-written and the acceptance letter unprofessionally printed, so I got suspicious as to the financial security of this company.
I then got access to the internet and checked them out and found out that the only purchases you can make with their credit card are from their magazine or online store. This was never mentioned when I received the call from their sales representative. In fact, it was obvious that the card was misrepresented and this information was intentionally withheld so that I would accept the offer for the card.
I called Ameritrust Financial's Customer Service Number and said that as I had not received the card yet, nor the $200 in vouchers, I would like to have my $200 returned as I did not want the card. I was told that I would have to send a letter to the "President's Council" and that it would take 4 to 6 weeks for my letter to process. There was also no guarantee that I would be refunded my $200.
I think that this type of practice is dishonest and the staff and executives of Ameritrust Financial should be ashamed for this type of activity. There is nothing wrong with selling a credit card, but there is definitely something wrong with misrepresenting themselves and then not allowing a refund once the facts were on the table.
That $200 took me about 5 weeks to save up and with the holidays coming up, I needed to use it for specific purchases, not purchases from the Ameritrust Financial Catalogue. Had I known that was the intention for that credit card, I would not have accepted it.
Flora
Los Angeles, California
U.S.A.
1 Updates & Rebuttals
Sandra
Dunedin,Florida,
U.S.A.
recorded verification process where all the terms and conditions are stated
#2UPDATE Employee
Tue, December 05, 2006
When a customer signs up for our program and accepts the offer the credit card they have to go through a recorded verification process where all the terms and conditions are stated to them. They are also asked more that once if they understand and agree to all the terms and conditions. That is Ameritrust Financial Merchant Catalog Finance Account. As far as the Presidents Council goes that is the only way that we can go in and do a through investigation on each individual account. The recordings have to be pulled along with our quality control department to make sure that we did not do anything unlawful. That does take time. We tell every individual that sends in a letter to the Presidents Council that if the customer is due a refund they will recieve a refund and it will be deposited directly back into their bank account. We would however need more information so we can check into this individual's account. That would either be a full name or the 7 digit Id# they were assigned at the time of purchase. Please call us @727-529-7037. Sincerely, Ameritrust Financial Customer Service
