Complaint Review: Superior Benefits - Champlain New York

I have received my money and I could only give thanks to all of you at Rip-Off Report/Bad Business Bureau. Thank you for the advice about how to to to my bank and filing the ACH form. They were very glad I sent them the copies of ripoff letters just like you told me to. They confirmed that this was all a farce and I probably wouldn't of recieved the card. I was sure lucky when I found you guys. I'm still in shock from it all. Thanks for all the help and I know now where to go to when in questioning a company. You guys are great!!! All that haven't received your money, if you go to your bank and file the ACH form and send them some ripoff letters just like I did you could get your money back in just a few days. My bank took 5 days and the money was deposited by the SCAM company, Superior. Good Luck and if you need me to confirm any of this for any court claims, you now where to reach me. Thanks again for the advise and educational teaching you gave me. I will never forget it and I definetly will pass it on. Sincerely,

Mike from Radford is absolutely correct. I've seen other Canadian scams pony up with the refunds to keep the authorities from closing down on them. Even the infamous Ameri-source, World Wide Source empire of Pavlos Angelatos engaged in this practice. But I don't think it is such a bad idea for Ed to play along and get refunds for some of the victims. It won't last, but at least some people can get their money back. At some point the FTC and the Attorney General of New York, Elliot Spitzer, need to work on this issue with some sense of urgency. Even if you get a refund you should report them anyway as the only thing that seems to motivate the AG to get involved is an unacceptable number of complaints.

I understand this is a delicate situation and you are acting diplomatically to try and get refunds for people. For obvious diplomatic reasons, you may not want to post this. However, your attempts to blunt negative publicity by portraying Superior's refund offer as a gesture of "good business" go beyond diplomatic reserve and into the realm of deception. The obvious fact remains, Superior Benefits' entire business plan is based on a rip-off. They promise a credit card with a limit of $2000 in exchange for an advance fee of $299. They cannot deliver these cards, and had no intention of delivering any credit cards. No bank will issue someone with bad credit a card with a $2000 limit even in exchange for a fee of $299. The bank then only stands to lose $1701 instead of $2000. It would still be foolish for them to issue the card. When Superior reacted to rip-off reports by pretending to be a legitimate business, they confirmed their plans. They did not offer to send credit cards to dissatisfied customers who had somehow "fallen through the cracks" in their customer service. They did not offer to send credit cards because they can't. They never intended to send ANYONE a credit card as promised. THERE ARE NO CARDS, and there never were. The whole scheme was a total rip-off from the beginning. It has been going on for years, different company names, possibly different people. Now they tend to hide out in Canada to make prosecution more difficult. As rip-offs go, this one isn't rocket science; anyone with a telephone and a list of people with bad credit can do it. It is natural for them to give refunds to those victims who become wise to the scheme. If victims dispute the charges with their banks, Superior's "legitimate partner" bank will start losing lots of money and eventually terminate thier business with Superior. Superior will lose the ability to ACH money out of victim's checking accounts. I'm sure this bank knows exactly what is going on, but is willing to look the other way in exchange for a higher than usual fee. Sort of like in "Scarface." Giving refunds also makes Superior look legitimate and tends to quiet the victims down. Even if the victims do report the rip-off to Attorneys General and other authorities, the authorities will tend to say "Well, you got your money back, so what's the problem?" Superior still has a pool of many, many potential victims who will not assert their rights and will lose their money. Since Superior's "product" is a whole lot of NOTHING, any money they collect is pure profit.

I understand this is a delicate situation and you are acting diplomatically to try and get refunds for people. For obvious diplomatic reasons, you may not want to post this. However, your attempts to blunt negative publicity by portraying Superior's refund offer as a gesture of "good business" go beyond diplomatic reserve and into the realm of deception. The obvious fact remains, Superior Benefits' entire business plan is based on a rip-off. They promise a credit card with a limit of $2000 in exchange for an advance fee of $299. They cannot deliver these cards, and had no intention of delivering any credit cards. No bank will issue someone with bad credit a card with a $2000 limit even in exchange for a fee of $299. The bank then only stands to lose $1701 instead of $2000. It would still be foolish for them to issue the card. When Superior reacted to rip-off reports by pretending to be a legitimate business, they confirmed their plans. They did not offer to send credit cards to dissatisfied customers who had somehow "fallen through the cracks" in their customer service. They did not offer to send credit cards because they can't. They never intended to send ANYONE a credit card as promised. THERE ARE NO CARDS, and there never were. The whole scheme was a total rip-off from the beginning. It has been going on for years, different company names, possibly different people. Now they tend to hide out in Canada to make prosecution more difficult. As rip-offs go, this one isn't rocket science; anyone with a telephone and a list of people with bad credit can do it. It is natural for them to give refunds to those victims who become wise to the scheme. If victims dispute the charges with their banks, Superior's "legitimate partner" bank will start losing lots of money and eventually terminate thier business with Superior. Superior will lose the ability to ACH money out of victim's checking accounts. I'm sure this bank knows exactly what is going on, but is willing to look the other way in exchange for a higher than usual fee. Sort of like in "Scarface." Giving refunds also makes Superior look legitimate and tends to quiet the victims down. Even if the victims do report the rip-off to Attorneys General and other authorities, the authorities will tend to say "Well, you got your money back, so what's the problem?" Superior still has a pool of many, many potential victims who will not assert their rights and will lose their money. Since Superior's "product" is a whole lot of NOTHING, any money they collect is pure profit.

I understand this is a delicate situation and you are acting diplomatically to try and get refunds for people. For obvious diplomatic reasons, you may not want to post this. However, your attempts to blunt negative publicity by portraying Superior's refund offer as a gesture of "good business" go beyond diplomatic reserve and into the realm of deception. The obvious fact remains, Superior Benefits' entire business plan is based on a rip-off. They promise a credit card with a limit of $2000 in exchange for an advance fee of $299. They cannot deliver these cards, and had no intention of delivering any credit cards. No bank will issue someone with bad credit a card with a $2000 limit even in exchange for a fee of $299. The bank then only stands to lose $1701 instead of $2000. It would still be foolish for them to issue the card. When Superior reacted to rip-off reports by pretending to be a legitimate business, they confirmed their plans. They did not offer to send credit cards to dissatisfied customers who had somehow "fallen through the cracks" in their customer service. They did not offer to send credit cards because they can't. They never intended to send ANYONE a credit card as promised. THERE ARE NO CARDS, and there never were. The whole scheme was a total rip-off from the beginning. It has been going on for years, different company names, possibly different people. Now they tend to hide out in Canada to make prosecution more difficult. As rip-offs go, this one isn't rocket science; anyone with a telephone and a list of people with bad credit can do it. It is natural for them to give refunds to those victims who become wise to the scheme. If victims dispute the charges with their banks, Superior's "legitimate partner" bank will start losing lots of money and eventually terminate thier business with Superior. Superior will lose the ability to ACH money out of victim's checking accounts. I'm sure this bank knows exactly what is going on, but is willing to look the other way in exchange for a higher than usual fee. Sort of like in "Scarface." Giving refunds also makes Superior look legitimate and tends to quiet the victims down. Even if the victims do report the rip-off to Attorneys General and other authorities, the authorities will tend to say "Well, you got your money back, so what's the problem?" Superior still has a pool of many, many potential victims who will not assert their rights and will lose their money. Since Superior's "product" is a whole lot of NOTHING, any money they collect is pure profit.

I understand this is a delicate situation and you are acting diplomatically to try and get refunds for people. For obvious diplomatic reasons, you may not want to post this. However, your attempts to blunt negative publicity by portraying Superior's refund offer as a gesture of "good business" go beyond diplomatic reserve and into the realm of deception. The obvious fact remains, Superior Benefits' entire business plan is based on a rip-off. They promise a credit card with a limit of $2000 in exchange for an advance fee of $299. They cannot deliver these cards, and had no intention of delivering any credit cards. No bank will issue someone with bad credit a card with a $2000 limit even in exchange for a fee of $299. The bank then only stands to lose $1701 instead of $2000. It would still be foolish for them to issue the card. When Superior reacted to rip-off reports by pretending to be a legitimate business, they confirmed their plans. They did not offer to send credit cards to dissatisfied customers who had somehow "fallen through the cracks" in their customer service. They did not offer to send credit cards because they can't. They never intended to send ANYONE a credit card as promised. THERE ARE NO CARDS, and there never were. The whole scheme was a total rip-off from the beginning. It has been going on for years, different company names, possibly different people. Now they tend to hide out in Canada to make prosecution more difficult. As rip-offs go, this one isn't rocket science; anyone with a telephone and a list of people with bad credit can do it. It is natural for them to give refunds to those victims who become wise to the scheme. If victims dispute the charges with their banks, Superior's "legitimate partner" bank will start losing lots of money and eventually terminate thier business with Superior. Superior will lose the ability to ACH money out of victim's checking accounts. I'm sure this bank knows exactly what is going on, but is willing to look the other way in exchange for a higher than usual fee. Sort of like in "Scarface." Giving refunds also makes Superior look legitimate and tends to quiet the victims down. Even if the victims do report the rip-off to Attorneys General and other authorities, the authorities will tend to say "Well, you got your money back, so what's the problem?" Superior still has a pool of many, many potential victims who will not assert their rights and will lose their money. Since Superior's "product" is a whole lot of NOTHING, any money they collect is pure profit.

I e-mailed the company as was told to everyone who filed a ripoff report with this company. It took 3 days to get a call from them. A so called, Scott phoned me and was more interested in why I had filed the ripoff report than to make his customer happy. I told him all I wanted was a refund and he said," There is no refunds, we are not giving out any refunds, you will receive the card through the mail just like we said" He was rude, and he started to yell because I would not listen to what he had to say. I told him that if he called to tell me that he wasn't going to refund my money that he took unauthorized from my bank then I had nothing to talk to him about. I will just try to get my money back by other means. He slammed the phone and hung up. So this company must be a scam because they lied to the people at ripoff report. They don't care if your a happy customer or not. They just want to convince you that you will get what was told to you the first time they called you. Its a lie. Its been 45 days since I got that call and nothing has came and I prefer that nothing comes because it probably will be a card thats going to put you more in debt by high interest rates and more annual fees. SO BEWARE THEY ARE JUST LIARS go to your bank that is what I am doing. I hope I get these guys. They are true shysters and low-lifes at that.