Usacomplaints.com » Business & Finance » Complaint / Review: Consumer Financial Resources Aka Encore Financial - Ripoff, SCAM, liars. #99406

Complaint / Review
Consumer Financial Resources Aka Encore Financial
Ripoff, SCAM, liars

"Guaranteed to get you a credit card with $5,000.00 limit so you can consolidate your bills." "Cancel at any time." We are owned by Encore Financial who is owned by THE MORMON CHURCH, so you know we are honest." "Only $199.95, you can change the date of the withdrawl." "You can sign on to your account immediately on-line, pick out the credit card you want and get all the information you need." "We will send out paperwork to you to sign & send back, you should have it in 7-10 days" These are some of the promises I heard on or about 10/1.

Now is the time to tell you that I was given 3 toll free numbers to call to get back with Jeff Myers, MY REP, at Ext. 630. I tried calling all 3 numbers and reached a recording. 2 of the numbers said "you do not have authorized access to this number." The third number said "This number is no longer in service." The customer service number on the web site is a hired out 'service agency' and can and will do nothing for you, they are not owned by any of the above companies, they are paid by those companies to take all the calls.

$199.95 was to be taken out of my bank account on 10/19/04. After 10 days I had still not received any information in the mail and still could not get into the web site. The error on the web site says "You are not registered with us." Therefore I have never been able to sign a contract with them, or so I thought. I called to try & cancel my account but was told I only had 3 days to do that in and it was past the 3 days. They promised me to mail out the info again and put me in the computer again. They also changed the date of my ACH withdrawl to 11/2. That's today. I still cannot get into the web site and have not received any mail from them. I still have not signed a contract with them, I thought.

I called them today, of course, they said they put my payment in 4 days ago, I told Edith that I didn't have the money in there and she said "That's OK, we will put the check through 4 times, then you will owe us $100.00 for bad check charges and you will owe your bank 4 bad check charges too, then we send you to collections." When I told her I hadn't signed a contract she said "You didn't need to sign the contract anyway because when you did the voice recording that is authorization enough and is the same as a contract." When I asked her name she hung up on me. I called back, she answered, I disguised my voice and asked who I was speaking to, she said "Edith, what do you want?" when I began my story she again hung up on me again.

Then I went to the website again and found a new toll free number. When I called that I got a different customer service company, still not owned by the above companies. I was told there that I only had 5 days to cancel. (A bit different than "cancel anytime" and "only 3 days to cancel." By this time I had cancelled my check through the internet. I was told I cannot cancel my account & that I will be referred to a collection agency.

Also, they can guarantee a credit card, BUT you have to apply at all the names they give you, when you are refused by all 5 you have to notify them within so many days, then they will get you a credit card but they cannot say what the interest rate will be.

Yes, it is a scam, a rip-off and they do lie.

Linda
Dayton, Nevada
U.S.A.


Offender: Consumer Financial Resources Aka Encore Financial

Country: USA   State: Utah   City: Saint George
Address: 216 W. St. George Bl #H
Phone: 8668289590

Category: Business & Finance

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