I was contacted by phone on August 8, by Rx Financial and offered a credit card with a $5,000 balance. I was told that I could cancel before the debit date if I wanted. I called to cancel the day before the debit was to be applied and was told there was no cancellation policy.
However, after much persistence, I did have the order pre-cancelled and was assured that my account would not be debited and my information would be erased from their system. Two days later, the money was debited from my account. I called and complained and was told that the money would be returned immediately.
I informed the company that there would be NSF fees, late charges and reconnection fees for my electric because they took the money I was using to pay the electric bill. This did not phase them. I waited until the next morning and the money had not been returned so I called again, and of course was put on hold for over an hour.
I finally reached a customer service agent who apparently had a conscience who told me that the money was not for a credit card but for a debt management package. I was not aware of this as there was never any mention of debt management in the recording or by any representative I spoke with until this point. I then received a phone call from Martha, who assured me that the money would be returned if I faxed off the bank statement showing that they in fact debited the $219.90 from my account. I did that and called back. It wasn't enough. I faxed additional information the next day and was told that any NSF fees and other related charges due to this unauthorized debit would be refunded immediately.
Nothing has been refunded. I called back and was told that it would take up to ten days to get my money back. I complained again and was assured that the money would be in my account the next day. It was not there. I called again and again was on hold for almost an hour. I had been dealing with someone named Carly in internal affairs after Martha decided to hang up on me several times, as well as a few other representatives. Carly had assured me that the company would refund my money, but now when I call, I can't reach her at all. I know she is there, but they won't put her on the phone.
I am now having my electric turned off and have racked up NSF fees and late charges and returned check charges and this has completely ruined my credit and standing at the bank. I have reported Rx Financial to the FTC and the BBB in Utah and now I am telling you, other consumers that this is a scam company.
They also operate under GoTek Financial as well as other names and they are handled by EP Marketing according to the last conversation with a customer service rep just moments ago. Surely enough people have been damaged by this company that the FTC will investigate and get our money back for us and put these people out of business for good to keep this from happening to someone else! I am also told that it is because of ACH that my money has not been returned. This ACH needs to be investigated as well.
Crystal
Murray, Kentucky
U.S.A.
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