Complaint Review: Financial One American Gold - Closter New Jersey

On October 16, 2002 I received a telephone call from a "bank" Calling themselves "Financial One". I listened to their offer: $299.95 get me a Visa Platinum Card with a credit limit of (not up to) $3,000...

Sounds good, right? Well it did to me...

so I had them take out my $300 on the 23rd of october(my next pay-day). Since I didn't have the 300 on the day that they called...

They Told me that my card would be ariving 10 days (not bus. days) after my account was debited. 29 days later(this morning) I recived a package in the mail from them it contained: A letter welcoming me to "Financial One Benifits Platinum Club" A credit repair Book and CD

An Advertisement for A Company Selling Gateway Computers (Old Tappan, NJ) An Advertisement for MJR FREECELL (Fort Lee, NJ) An Advertisement For a Company Selling "Dish Netwok" Equipment and services ( From the Same Address in Old Tappan, NJ) A Cataloge for me to Order Products From

and (this one Really Pissed me Off) An Aplication for a "Stored Value" Master Card...

Now I Tried Calling the Customer Service Number 10 Times and Every-Single-Time it Sent me into a recording (oddly enough it's the same recording people get when they call my cell phone and my mail box is full) and the recording said "Your call is being transfered, the Mailbox for "Customer Service" is full please try back later" and then it hung up on me....

So I called my bank and they said there was nothing I could do other than file a complaint

So I started looking around the internet to try and find this company that had cheated me out of my $300, But I couldn't. So I typed in their Address that was on the envelope that they sent me. I was suprized to find that they share the PMB (Post Mail Box) With a company Called "American Gold" That is listed on here for doing the exact same thing...

So Here is what I propose I'm leaving my E-Mail Address and I want Everyone that has been Taken Advantage of by this company to contact me. They Broke the law and they need to pay us all back we should file a class action law suit aginst them

*

Thanks

Timothy

San Diego, California

Click here to read other Rip Off Reports on American Gold Credit Card

CLICK HERE to read about Credit Card Scams... find out how to get your money back. Consumer makes harsh but accurate statements. *Rip-off Report Investigation follow-up provides valuable information.

* Note:

Read below why a phone number or link was removed from this Report

*EDitor's Comment

The reason why we have removed links, e-mail address or phone numbers from this report is because people have, in the past, attempted the following, ...all too often.

Posting LINKS

Many times links to unknown web sites will cause your pc to freeze up and /or cause you to get a computer virus, virtually rendering your computer useless. Most of the time, this is the work of a Company or an Individual who has been reported.

Many Government links are no better than the BBB and are just a waste of time, giving you false hope. Many government sites (like the BBB) just collect all information from you, the consumer, but never make that information available, so consumers will NOT be educated as to what exactly they should be looking out for. On the other hand, many government agencies have and do come to the Rip-off Report for information. We have been assisting many government agencies for some time now, including the FBI and Attorney General offices from around the country..

Now that all these Rip-off Reports are out in the open for everyone to see, in a way, this embarrasses these agencies into doing something when they see so many reports on a Company or Individual, because they are now out in the open for all to see. Unfortunately, many (not all) Attorney General Office's and government agencies will not move against a rip-off unless there is going to be some sort of publicity on the rip-off. By reporting your experience on the Rip-off Report, is the next best thing to getting your story on TV or in a newspaper. Most national TV networks and many local TV stations from all around the country come to the Rip-off Report for information they will not get from the BBB, Attorney General office's or any other government agency. Rip-off Report has instigated many local and national stories, resulting in help for victims, in one way or another. Most government agencies will never even bother with rip-offs unless it involves $50,000 or more. Now that the government is cutting back even more dollars for these types of programs, this number will even get higher and we can expect even less to get done, by even less people to work on all these rip-offs.

LAWYERS :

We have also struggled with the following for a long time..

The reason why we delete phone numbers, ..all too often unscrupulous lawyers or individuals posing as lawyers are collecting victims information to only further victimize them. Many times, well-meaning consumers think they are going to collect names and get them to a lawyer who will do something. In every case we have allowed a consumer victim to do this, nothing has ever came of it. Consumers were under the impression that something will be done to get them help. In every case this did nothing but lead the consumer on, further victimizing them, and some consumers were mad at us. We feel it is our responsibility to check the legitimacy of the lawyer before advertising their service on the Rip-off Report.

We will also not allow lawyers to use this web site for free when they will end up taking a large amount of fees, leaving the victim with very little. There are many competent lawyers out there that know how to get the unscrupulous Companies or Individuals who ripped you off, to pay their fees. Those lawyers capable of this can post their numbers after checking with us here at the Rip-off Report.

POSTING YOUR E-MAIL ADDRESS:

For similar reasons as mentioned above, we will not allow individuals to post e-mail addresses, so they can be contacted for more info they claim they cannot post. If that person can contact YOU and get the information, so will everyone else be contacting you anyway, and, if it's good enough for them to receive it by contacting you, then you should be able to post that information for everyone to see and know about. And, many times, in an attempt to get your contact information, consumers will leave an email address; this is just a ploy to sell you a product or some other service. Most likely, you will end up on other junk mail lists. ..if they have something to sell, they should place an advertisement showing support to Rip-off Report.com so we can further help consumers.

ADDITIONAL NOTE ...about our advertisers:

As an extra added precaution to our readers, even all our PAID advertisements are checked out to the best of our ability before allowing them to be placed on the Rip-off Report. WE have turned down many advertisers to date. Advertisers on the Rip-off Report know, they are not immune from a Rip-off Report being filed on them. How many times do you see Rip-off companies advertising on TV and in publications when you know there are so many complaints about them!

We welcome your feedback on this subject.

Click on the REBUTTAL BOX below and submit a Consumer Comment so everyone can see.

ED Magedson

[email protected]

badbusinessbureau.com

www.ripoffreport.com

Click here to read other Rip Off Reports on Financial One