- Report: #36659
Complaint Review: Your Benefitz Royal Star United Financial ICS - St. Louis Missouri
-
Author Not Confirmed
Why?
Your Benefitz Royal Star United Financial ICS
1 Metropolitan 22and floor St. Louis, 63102 Missouri, U.S.A.
Phone:
866-493-2861
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Your Benefitz, Royal Star, United Financial, ICS ripoff consumer fraud ripoff Saint Louis Missouri *UPDATE
Over the past months I have been contacted by numerous companies claiming to be able to issue me an unsecured mastercard or visa.
After many calls finially I agreed to the terms from a company called Royal Star Benefits. What was offered was a mastercard with 2000.00 for a fee of 250.00.
On 11-21-02 I received my benefits package enclosed in the package was a bunch of worthless BS and a activation card for a store value mastercard. I mailed the activation card out the same day via us postal priority mail. Since then I have called customer service repeatedly inquiry about my missing card.
On 11-12 I was told my card would arrive this week. Next week same story, next week same story. Finially on Friday 11-29 I called again told the rather rude person in customer service that I was assured my card would be here by 11-29 and again it has not arrived.
I then started researching this company and came accross this site it seems I am yet another victum of the United Financial corp. I have now issued a complaint with the BBB of St. Louis, and also here.
It is now my mission to help others so they do not finiacally ruin themselves as I have waiting on a credit card that will never arrive. Because of this company I am facing bankruptcy, sure it is 250.00 how is that possible? Let me explain expecting the card I was promised, with the 2000.00 limit I took all the money I usually used for bills for the month and all the money out of savings 5,000 in total and used it to put a down payment on a new automobile. Stupid stupid I know, I was thinking of purchasing a new automobile anyway and when the dealership apprasied my current vehicle it was not worth the loan amount. I was forced to either add the payoff the difference of the old loan and the appraised value of my old car or have it added to the new car loan.
So with taxes (another stupid move bought the car out of state so had to pay sales tax in my state) tags and higher insurance there you go 5000.00 down the drain. Being sure that the card was coming that was promised in order to meet my monthly obligations until the card arrived I proceeded to take out payday loans everywhere thinking when the card arrives I will pay off the payday loans total 1,400.00 worth of loans. For the past month each payday my checking account is debted 500.00. Just to pay the interest on these loans.
To help others who might fall victum to these jerks and liers I found the following information. Go to this link to file a complaint with the FTC http://www.wilmington.bbb.org
/consumers/commonreport.html?compid=22002735&national=Y they already have a class action suit going against these companies and the number you need to call to be included is 1-877-FTC-HELP.
I hope I will be the last person who ever has to file a complaint about these companies. I know I have learned my lesson. Good luck to all of you.
Christy
Michigan City, Indiana
Click here to read other Rip Off Reports on Royal Star Benefits
Click here to read other Rip Off Reports on United Financial
STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!
After many calls finially I agreed to the terms from a company called Royal Star Benefits. What was offered was a mastercard with 2000.00 for a fee of 250.00.
On 11-21-02 I received my benefits package enclosed in the package was a bunch of worthless BS and a activation card for a store value mastercard. I mailed the activation card out the same day via us postal priority mail. Since then I have called customer service repeatedly inquiry about my missing card.
On 11-12 I was told my card would arrive this week. Next week same story, next week same story. Finially on Friday 11-29 I called again told the rather rude person in customer service that I was assured my card would be here by 11-29 and again it has not arrived.
I then started researching this company and came accross this site it seems I am yet another victum of the United Financial corp. I have now issued a complaint with the BBB of St. Louis, and also here.
It is now my mission to help others so they do not finiacally ruin themselves as I have waiting on a credit card that will never arrive. Because of this company I am facing bankruptcy, sure it is 250.00 how is that possible? Let me explain expecting the card I was promised, with the 2000.00 limit I took all the money I usually used for bills for the month and all the money out of savings 5,000 in total and used it to put a down payment on a new automobile. Stupid stupid I know, I was thinking of purchasing a new automobile anyway and when the dealership apprasied my current vehicle it was not worth the loan amount. I was forced to either add the payoff the difference of the old loan and the appraised value of my old car or have it added to the new car loan.
So with taxes (another stupid move bought the car out of state so had to pay sales tax in my state) tags and higher insurance there you go 5000.00 down the drain. Being sure that the card was coming that was promised in order to meet my monthly obligations until the card arrived I proceeded to take out payday loans everywhere thinking when the card arrives I will pay off the payday loans total 1,400.00 worth of loans. For the past month each payday my checking account is debted 500.00. Just to pay the interest on these loans.
To help others who might fall victum to these jerks and liers I found the following information. Go to this link to file a complaint with the FTC http://www.wilmington.bbb.org
/consumers/commonreport.html?compid=22002735&national=Y they already have a class action suit going against these companies and the number you need to call to be included is 1-877-FTC-HELP.
I hope I will be the last person who ever has to file a complaint about these companies. I know I have learned my lesson. Good luck to all of you.
Christy
Michigan City, Indiana
Click here to read other Rip Off Reports on Royal Star Benefits
Click here to read other Rip Off Reports on United Financial
STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!
2 Updates & Rebuttals
Royal Star Beneifts
#20
Thu, December 26, 2002
Okay I got my money back via Ach reversal from my bank. BUT 10 days after I got my money back they had enough nevre to reverse the reversal. So everyone stop waiting on your credit card and/or package it will NEVER come. Even if you do get a card it is a pay as you go card not an unsercured card (I got a Customer service person to admit it) Best thing you all can do is do what I am doing, call your bank get them to reverse the ATH and hope that is the last you hear from these companies. Also anyone who had their funds withdrawn by untied capturedyne, do a search here you will get loads and loads of information about this company. Good luck all of you.
No Wonder it took them 6 weeks
#30
Sun, December 01, 2002
Today 12-01-02 I found the bank statment that included my royal star benefits debit. It was completed on 09-26-02. No Wonder it took them 6 weeks to get the package to me and no wonder I had been told week after week to wait for the card for another week. 11-26-02 is the cut off date it was just this week!!! I am wondering if it is 60 business days or 60 calendar days.
