Horizon Card Services

Review: I am here to complain about horizon and the misleading acts, to the public.This comany is misleading because it clearly says in fine print they are not a credit card.So I am wondering why nothing is being done to stop this scam.Myself and many others fell victim to this money making machine so I ask of the Revdex.com to step in and take action and help the people.Desired Settlement: I feel the need for a refund and to make sure the information. That I gave to horizon services isnt used for differnt purposes and that my identity is safe and my checking account isnt going to be messed with after canceling with horizon.

Business

Response:

We are in receipt of the above referenced complaint dated 9/2/2014.

On August 31, 2014, Anthony [redacted] visited our secure web site and willingly applied for our services and completed our

application. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact our

Member Services Department arc made available to all applicants prior to them completing and submitting their application. All

applicants are required to read and agree to these terms and conditions before their application will be processed.

Anthony [redacted] states in his complaint that he wants to complain about Horizon and their misleading acts to the public. Me says they

arc misleading because it clearly says in fine print they are not a credit card. So, he is wondering why nothing is being done to stop

this company. He states that he and many others have fallen victim and is asking that the Revdex.com step in to take action and help the

people. He wants a refund and to make sure the information that was given to Horizon isn’t used for other purposes and his identity is

safe.

Our application process requires the customer to click on a check box to confirm they have read our terms and conditions before the

application can be submitted. These terms and conditions clearly state this product is a line of credit that can be used by an account

holder to shop exclusively at our online shopping website. These terms and conditions also outline our cancellation and refund policy,

clearly give our contact information, and explain credit bureau reporting. The customer has to click the check box agreeing to the

terms and conditions, and then click submit. Anthony [redacted] checked the box on August 31, 2014 stating he read and agrees to the

terms and conditions. After entering his personal information, Anthony [redacted] entered a valid credit card number and expiration

date. The website explains that by entering the payment information and submitting the request, the applicant understands and agrees

to accept their enrollment into Horizon Card Services. Furthermore, they understand and agree that they will be billed a one time

account validation and card issuance fee and a regular monthly participation fee. Anthony [redacted] has not contacted Member Services

to question his account or to request a cancellation and refund.

Mr. [redacted]’s account had been cancelled at his request on September 2, 2014. His transaction of $29.95 was voided at that time. A

voided transaction is different than a refund. Mr. [redacted]’s credit card was authorized for the amount of S29.95 on August 31, 2014.

This means the money in the amount o f S29.95 is being held by his bank but not yet taken by Horizon Card Services. Since we did not

capture the payment (take the money) we voided the transaction. Mr. [redacted]’s bank may hold the funds for the transaction anywhere

between 3 to 30 days. The length of time depends on his bank’s policy. We would be happy to send a funds release letter to Mr.

[redacted]’s bank if he requests for us to do so. Mr. [redacted]’s information has been unsubscribed as outlined in the Privacy Policy.

We trust that this resolves this matter and that no further communication is needed at this time.

Review: This company actively took my personal information(bank),issued me a invalided card, stating that I canceled this card. They have not refunded my money, and they have all my banking informationDesired Settlement: Stop scanning people

Business

Response:

We are in receipt o f the above referenced complaint dated 5/9/2014.

On May 3, 2014 [redacted] visited our secure web site and willingly applied for our services and completed our

application. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to

contact our Member Services Department are made available to all applicants prior to them completing and submitting

their application. All applicants are required to read and agree to these terms and conditions before their application will

be processed.

[redacted] states in her complaint that this company actively took her personal information, issued her an invalid

card, and stated that she had canceled the card. She states she has not been refunded her money and we have all her

banking information.

Our application process requires the customer to click on a check box to confirm they have read our terms and

conditions before the application can be submitted. These terms and conditions clearly state this product is a line of

credit that can be used by an account holder to shop exclusively at our online shopping website. These terms and

conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit

bureau reporting. The customer has to click the check box agreeing to the terms and conditions, and then click submit.

[redacted] checked the box on May 3, 2014 stating she read and agrees to the terms and conditions. After entering

her personal information, [redacted] entered a valid credit card number and expiration date. The website explains

that by entering the payment information and submitting the request, the applicant understands and agrees to accept

their enrollment into Horizon Card Services. Furthermore, they understand and agree that they will be billed a one time

account validation and card issuance fee and a regular monthly participation fee. [redacted] contacted us on May

7, 2014 requesting to cancel account. Ms. [redacted] was transferred to a supervisor who is authorized to cancel accounts

and issue refunds. The account was canceled as requested and a refund o f $27.95 was processed.

Ms. [redacted] ’s account had been cancelled at her request on May 7, 2014. She has been refunded S27.95 in accordance

to the cancellation and refund policy as outlined in the terms and conditions. The remaining $2.00 has been refunded on

May 9, 2014.

We trust that this resolves this matter and that no further communication is needed at this time.

Review: I received a card in the mail from Horizon Card Services to establish credit through their credit card for $50.00 down payment. Because I did not have credit I though that would be a good deal so I sent the information and payment into establish my credit. I was then charged $29.95 a month plus a $25.00 fee for their member services, which I did not authorize. I since have been charged $4.95 each month since January 31 2014. I was never told about the member services fee, and it is unethical to charge my account for something I did not authorize. When I tried calling Horizon to cancel my card, I was met with hostility and hang ups. They would not take my request and insisted I speak with a supervisor. When I finally was connected, the manager was hostile and told me there was nothing she could do. Her name was Rebecca and I also spoke to a girl named [redacted]. The last withdraw they stole from my account was March 28, 2014.Desired Settlement: I would like an immediate refund for the total amount Horizon has stolen from my account $89.85.

Business

Response:

We are in receipt o f the above referenced complaint dated 4/2/2014.

On January 30, 2014 Maria [redacted] visited our secure web site and willingly applied for our services and completed our application. Our

full terms and conditions outlining our product and services, our liberal refund policy, and how to contact our Member Services

Department are made available to all applicants prior to them completing and submitting their application. All applicants are required to

read and agree to these terms and conditions before their application will be processed.

Maria [redacted] states in her complaint that she received a card in the mail from Horizon Card Services to establish credit through their credit

card for a down payment o f $50.00. Because she did not have credit, she thought it would be a good deal so she sent her information and

payment. She states she was then charged $29.95 a month plus a $25.00 fee for member services, which she did not authorize. She states

she has since been charged $4.95 each moth since January 31, 2014. She states she was never told about this fee. When she tried calling

Horizon to cancel the card, she was met with hostility and hang-ups. She states they would not take her request to cancel and insisted she

speak with a supervisor. When she was finally connected, the manager was hostile and told her there was nothing she could do. Ms. [redacted]

states the last fee was taken March 28, 2014. Her desired settlement is an immediate refund in the amount o f $89.85.

Our application process requires the customer to click on a check box to confirm they have read our terms and conditions before the

application can be submitted. These terms and conditions clearly state this product is a line o f credit that can be used by an account holder

to shop exclusively at our online shopping website. These terms and conditions also outline our cancellation and refund policy, clearly

give our contact information, and explain credit bureau reporting. The customer has to click the check box agreeing to the terms and

conditions, and then click submit. Maria [redacted] checked the box on January 30, 2014 stating she read and agrees to the terms and

conditions. After entering her personal information, Maria [redacted] entered a valid credit card number and expiration date. The website

explains that by entering the payment information and submitting the request, the applicant understands and agrees to accept their

enrollment into Horizon Card Services. Furthermore, they understand and agree that they will be billed a one time account validation and

card issuance fee and a regular monthly participation fee. Maria [redacted] contacted us on January 30, 2014 to get more information

concerning the services and requested to cancel her account. She was transferred to a manager w ho is authorized to process the

cancellation and issue refunds. After speaking with the manager, Ms. [redacted] agreed to keep the account open and active at a lower level of

service. A refund was processed at that time for the difference in the cost o f the benefit packages. Ms. [redacted] did not contact us again until

April 1, 2014 and again requested to cancel her services. She was transferred to an authorized manger. The call disconnected but the

manager processed the cancellation request and issued a full refund. Ms. [redacted] contacted us again on April 3, 2014 wanting to cancel the

service. She was advised at this time that the account was canceled and a full refund has been issued.

Ms. [redacted]’ account has been cancelled at her request on April 1, 2014. She was refunded $25.00 o f the initial $29.95 when her package

level was changed on January 30, 2014. She was then refunded $9.90 in accordance to the cancellation and refund policy as outlined in

the terms and conditions. The pending $4.95 for the monthly participation fee has been voided.

We trust that this resolves this matter and that no further communication is needed at this time.

Review: I was billed twice by this company and have found out that it is a wannabe credit card company... However I have never heard of it, nor have I ever had a horizon card... Never activated an account with them.. Yet my bank account has been charged twice now.Desired Settlement: Being that I never ordered this horizon card nor possessed it... Nor activated in it.. I would certainly like my funds returned to my checking account and any records of my personal account information deleted from there system.

Business

Response:

We are in receipt o f the above referenced complaint dated 3/31/2014.

On February 27, 2014 [redacted] visited our secure web site and willingly applied for our services and

completed our application. Our full terms and conditions outlining our product and services, our liberal refund

policy, and how to contact our Member Services Department are made available to all applicants prior to them

completing and submitting their application. All applicants are required to read and agree to these terms and

conditions before their application will be processed.

[redacted] states in his complaint that he was billed twice by Horizon Card Services. He states he never

heard o f Horizon Card Service nor has he ever had a Horizon Card. And yet, his account has been charged twice

now.

Our application process requires the customer to click on a check box to confirm they have read our terms and

conditions before the application can be submitted. These terms and conditions clearly state this product is a line of

credit that can be used by an account holder to shop exclusively at our online shopping website. These terms and

conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit

bureau reporting. The customer has to click the check box agreeing to the terms and conditions, and then click

submit. [redacted] checked the box on February 27, 2014 stating he read and agrees to the terms and

conditions. After entering his personal information, [redacted] entered a valid credit card number and

expiration date. The website explains that by entering the payment information and submitting the request, the

applicant understands and agrees to accept their enrollment into Horizon Card Services. Furthermore, they

understand and agree that they will be billed a one time account validation and card issuance fee and a regular

monthly participation fee. [redacted] never contacted us to question his account or to request a cancellation

and refund.

Mr. [redacted]’s account has been cancelled at his request on March 31, 2014. He was refunded S29.95 in

accordance to the cancellation and refund policy as outlined in the terms and conditions. The pending S24.95 for the

monthly participation fee has been voided.

We trust that this resolves this matter and that no further communication is needed at this time.

Review: They say it is a credit card and it is not.This company is saying they are a cerdit card company and are charging consumers to get it and they do not want you to talk to company presideny or any one on the board.they hit my bank twice and will not fix the account.They also have very bad service personal that talk down to consumers.Desired Settlement: They need to repay and pay also back for the minutes from cell company

Business

Response:

We are in receipt of the above referenced complaint dated 1/15/2014.

On January 7, 2014 [redacted] visited our secure web site and willingly applied for our services and completed our application.

Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact our Member Services

Department are made available to all applicants prior to them completing and submitting their application. All applicants are required

to read and agree to these terms and conditions before their application will be processed.

[redacted] states in his complaint that Horizon Card Services is saying they are a credit card company and are charging

customers to get the card. The company does not want you to talk to the company president or anyone on the board. He also states he

was charged twice, but as of yet, has had no resolution. He states he received poor customer service. Mr. [redacted] requests a full refund

and compensated for cell phone costs.

Our application process requires the customer to click on a check box to confirm they have read our terms and conditions before the

application can be submitted. These terms and conditions clearly state this product is a line of credit that can be used by an account

holder to shop exclusively at our online shopping website. These terms and conditions also outline our cancellation and refund policy,

clearly give our contact information, and explain credit bureau reporting. The customer has to click the check box agreeing to the

terms and conditions, and then click submit. [redacted] checked the box on January 7, 2014 stating he read and agrees to the

terms and conditions. After entering his personal information, [redacted] entered a valid credit card number and expiration date.

The website explains that by entering the payment information and submitting the request, the applicant understands and agrees to

accept their enrollment into Horizon Card Services. Furthermore, they understand and agree that they will be billed a one time account

validation and card issuance fee and a regular monthly participation fee. [redacted] contacted our customer service department

on January 13, 2014 to request a cancellation and refund. The account was cancelled as requested and Mr. [redacted] was given a

cancellation ID number. He was issued a prorated refund at that time. Mr. [redacted] called again on January 15, 2014 stating he was

charged twice. We checked our system to verify there was only one charge. The manager offered to do a conference call with his bank

to verify there was one charge. The manager also offered to refund the remaining $3.99. The call disconnected but the manager

followed through with the refund.

Mr. [redacted]’ account had been cancelled at his request on January 13, 2014. He was refunded $25.96 in accordance to the cancellation

and refund policy as outlined in the terms and conditions. After speaking to a supervisor on January 15, 2014 he was issued a refund

for the remaining $3.99. We do not compensate customers for their cell phone costs.

We trust that this resolves this matter and that no further communication is needed at this time.

Sincerely,

Compliance Officer

Horizon Card Services

Review: Applied for a credit card, provided my debit card for verification then got charged 29.95.Card is advertised as a normal credit card with 500.00 limit. It is not a normal credit card but one that only works for their products and service which are all shady deals loaded with fees.Desired Settlement: Refund my moneyCancel my account with you and any other sister companies you gave my info to.Remove all my information from your data.

Business

Response:

We are in receipt of the above referenced complaint dated 12/04/2013.

On December 4, 2013 [redacted] visited our secure web site and willingly applied for our services and completed our

application. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact

our Member Services Department are made available to all applicants prior to them completing and submitting their

application. All applicants are required to read and agree to these terms and conditions before their application will be

processed.

[redacted] states in his complaint that he applied for a credit card and provided his debit card for verification and then got

charged $29.95. He states the card is advertised as a normal credit card with a $500.00 limit. He states it is not a normal

credit card but one that only works for their products and service which he feels are all shady deals loaded with fees.

Our application process requires the customer to click on a check box to confirm they have read our terms and conditions

before the application can be submitted. These terms and conditions clearly state this product is a line of credit that can be

used by an account holder to shop exclusively at our online shopping website. These terms and conditions also outline our

cancellation and refund policy, clearly give our contact information, and explain credit bureau reporting. The customer has

to click the check box agreeing to the terms and conditions, and then click submit. [redacted] checked the box on

December 4, 2013 stating he read and agrees to the terms and conditions. After entering his personal information, [redacted]

[redacted] entered a valid credit card number and expiration date. The website explains that by entering the payment

information and submitting the request, the applicant understands and agrees to accept their enrollment into Horizon Card

Services. Furthermore, they understand and agree that they will be billed a one time account validation and card issuance

fee and a regular monthly participation fee. Mr. [redacted] contacted our customer service department on December 4, 2013 to

request a cancellation and refund. He stated that his kids filled out the application. The phone representative processed his

cancellation request and voided his $29.95 payment.

Mr. [redacted]’s account has been cancelled at his request on December 4, 2013. His payment of $29.95 has been voided in

accordance to the cancellation and refund policy as outlined in the terms and conditions.

We trust that this resolves this matter and that no further communication is needed at this time.

Sincerely,

Compliance Officer

Horizon Card Services

Review: false avertivemet and I got charged 80.00 dollars for nothing never got a call email worst rip off company out there.... I want my money backDesired Settlement: I want a refund

Business

Response:

We are in receipt o f the above referenced complaint dated 8/20/2014.

On April 30, 2008, [redacted] visited our secure web site and willingly applied for our services and completed our

application. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact our

Member Services Department are made available to all applicants prior to them completing and submitting their application.

All applicants are required to read and agree to these terms and conditions before their application will be processed.

[redacted] states in his complaint that lie feels it was false advertisement and he was charged $80.00 for nothing. He states

he never received a call or email. He wants a refund o f S79.99

Our application process requires the customer to click on a check box to confirm they have read our terms and conditions

before the application can be submitted. These terms and conditions clearly state this product is a line o f credit that can be used

by an account holder to shop exclusively at our online shopping website. These terms and conditions also outline our

cancellation and refund policy, clearly give our contact information, and explain credit bureau reporting. The customer has to

click the check box agreeing to the terms and conditions, and then click submit. [redacted] checked the box on April 30,

2008 stating he read and agrees to the terms and conditions. After entering his personal information, [redacted] entered a

valid credit card number and expiration date. The website explains that by entering the payment information and submitting the

request, the applicant understands and agrees to accept their enrollment into Horizon Card Services. Furthermore, they

understand and agree that they will be billed a one time account validation and card issuance fee and a regular monthly

participation fee. [redacted] did contact customer service on May 7, 2008 to question his account. After speaking with the

phone representative, he agreed to keep the account open and active. The account was suspended on June 6, 2008. The account

was canceled April 20, 2009. We have had no other contact with this customer.

Mr. [redacted]’s account had been cancelled on April 20, 2009. There was no refund due in accordance to the cancellation and

refund policy as outlined in the terms and conditions.

We trust that this resolves this matter and that no further communication is needed at this time.

Review: This company sent me a random card in the mail. No phone number. No contact information. I cut the card up and there it away. Two weeks later, they charge my debit card 25.00 and I didn't even give them ANY of my information at all. I have seen several cases of this online. It needs to be stopped.Desired Settlement: Refund my $25! Please

Business

Response:

We are in receipt o f the above referenced complaint dated 5/5/2014.

On April 3, 2014 [redacted] visited our secure web site and willingly applied for our services and completed

our application. Our full terms and conditions outlining our product and services, our liberal refund policy, and

how to contact our Member Services Department are made available to all applicants prior to them completing

and submitting their application. All applicants are required to read and agree to these terms and conditions

before their application will be processed.

[redacted] states in his complaint that this company sent him a random card in the mail. There was no phone

number or contact information. He states he cut up the card and threw it away. Two weeks later there was a

charge of $25.00 on his debit card. He states he did not give any information at all. He states he has seen several

cases of this online and it needs to be stopped. He wishes to be refunded $25.00.

Our application process requires the customer to click on a check box to confirm they have read our terms and

conditions before the application can be submitted. These terms and conditions clearly state this product is a line

o f credit that can be used by an account holder to shop exclusively at our online shopping website. These terms

and conditions also outline our cancellation and refund policy, clearly give our contact information, and explain

credit bureau reporting. The customer has to click the check box agreeing to the terms and conditions, and then

click submit. [redacted] checked the box on April 3, 2014 stating he read and agrees to the terms and

conditions. After entering his personal information, [redacted] entered a valid credit card number and

expiration date. The website explains that by entering the payment information and submitting the request, the

applicant understands and agrees to accept their enrollment into Horizon Card Services. Furthermore, they

understand and agree that they will be billed a one time account validation and card issuance fee and a regular

monthly participation fee. [redacted] never contacted us concerning his account.

Mr. [redacted]’ account has been cancelled at his request on May 9, 2014. He has been refunded S24.95 in

accordance to the cancellation and refund policy as outlined in the terms and conditions.

We trust that this resolves this matter and that no further communication is needed at this time.

Review: Horizon card service/ net first platinum has scam me. On 01/22/2014 I applied for their unsecured card of $500.00 but when I received it; it looked authentic. I went online to see if I can use the card but the scam warning came up in another web site. They charge me $29.95 and they are probably going to continue. Please help me because they have my information.Desired Settlement: 50.00

Business

Response:

Dear [redacted]:

We are in receipt of the above referenced complaint dated 1/27/2014.

On January 22, 2014 [redacted] visited our secure web site and willingly applied for our services and completed our application.

Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact our Member Services

Department are made available to all applicants prior to them completing and submitting their application. All applicants are required

to read and agree to these terms and conditions before their application will be processed.

[redacted] states in her complaint that feels she was scammed. She applied for the unsecured card on January 22, 2014. But

when she received it, she went online to see if she can use the card and saw a scam warning come up in another web site. She was

charged S29.95 and feels she will continue to be charged. She is concerned because Horizon has her information. She wishes to

receive a $50.00 refund.

Our application process requires the customer to click on a check box to confirm they have read our terms and conditions before the

application can be submitted. These terms and conditions clearly state this product is a line of credit that can be used by an account

holder to shop exclusively at our online shopping website. These terms and conditions also outline our cancellation and refund policy,

clearly give our contact information, and explain credit bureau reporting. The customer has to click the check box agreeing to the

terms and conditions, and then click submit. [redacted] checked the box on January 22, 2014 stating she read and agrees to the

terms and conditions. After entering her personal information, [redacted] entered a valid credit card number and expiration date.

The website explains that by entering the payment information and submitting the request, the applicant understands and agrees to

accept their enrollment into Horizon Card Services. Furthermore, they understand and agree that they will be billed a one time account

validation and card issuance fee and a regular monthly participation fee. [redacted] never contacted our customer service

department to request a cancellation and refund.

Ms. [redacted]’s account has been cancelled on January 30, 2014. She was refunded $29.95 in accordance to the cancellation and refund

policy as outlined in the terms and conditions. There were no additional payments to refund and so we only refunded S29.95 of the

S50.00 she requested as a settlement.

We trust that this resolves this matter and that no further communication is needed at this time.

Sincerely,

Compliance Officer

Horizon Card Services

Review: When I signed up for the Horizon credit card, which was also bogus, I was given the option for a free trial to Credit Hawk. However, when I put my information in, I was unable to login. I called Credit Hawk to make sure my application didn't go through. I spoke with a gentleman namec [redacted] and he told me the application did not go through. I have just gone through my bank records and found not one but two transactions where Credit Hawk charged my card for services I believed were never started in the first place. When I called Credit Hawk I was greeted by a woman named [redacted]. She told me I indeed spoke to [redacted] but that he cancelled my application and I told him I was reapplying. That never happened. I never reapplied and never said I would do so. [redacted] told me the only thing she could do was cancel the membershop. I told her I wanted my money refunded. She kept telling me the only thing she could do was cancel my membership. I asked to speak to a manager and she said she was the manager. I once again asked to have my money refunded and was told that the only thing that could be done was cancelling my membership and I would get an email. At this point I became angry and demanded she refund my money because they scammed us and I would be reporting them. She once again told me she would be cancelling my membership, sending me an email and then hung up on me.Desired Settlement: They charged me twice at $24.95 so a total of $49.90.

Business

Response:

We are in receipt o f the above referenced complaint dated 7/1/2014.

This letter responds to the complaint filed by [redacted] against Credit Hawk.

Ms. [redacted] states she was given the option for a free trial to Credit Hawk after signing up for a credit card. However, she was

unable to log in to Credit Hawk. She called to make sure the application didn’t go through. The phone representative told her the

application did not go through. She since then has gone through her bank records and has found two transactions for Credit Hawk for

sen ices she believed never started in the first place. Ms [redacted] states she contacted Credit Hawk and the representative she spoke

with told her the account shows that she did indeed call and that the application was canceled and it was noted she would reapply. Ms.

[redacted] states she never reapplied. The phone representative stated she would cancel the account. Ms [redacted] requested to be

refunded but the phone representative told her the only thing she could do is cancel the account. Ms. [redacted] says she became angry

at this point and demanded to be refunded. Ms. [redacted] was told again that the account would be canceled and a confirmation email

would be sent. She states the phone representative then hung up on her.

Our application process requires the customer to click on a check box to confirm that the customer agrees to the terms and conditions

before they can move on to the authentication process. These terms and conditions clearly outline our cancellation and refund policy.

The terms clearly state that the customer may terminate their enrollment at any time by calling the toll free number that appears on the

web site and on the emails that they receive from us. If for some reason they do not have access to a phone, they may terminate by

writing us at the given address. They may not cancel via email and so an email is not provided. The terms and conditions also state we

do not provide prorated refunds. In addition, we will not issue a refund for any service in which allows the customer to access the

service following the completion of the transaction. [redacted] checked the box on May 1, 2014 stating she read and agrees to

the terms and conditions.

After entering her personal information, [redacted] entered a valid credit card number and expiration date. The website explains

that by checking the box and clicking on the “Authenticate” button, the customer understands that we will not be charging the credit

card today. We will however simply pre-authorize and place a hold on the card for $1.00 which will give the customer immediate

access to their three bureau credit report and their three free credit scores. This action begins the trial membership with Credit Hawk.

At the end o f the seven say trial period, the customer understands that their credit/debit card will be charged on a monthly basis unless

they call the provided toll free number to cancel their membership in Credit Hawk. There are no fees or penalties if you decide to

cancel during the free trial period.

Ms. [redacted]’s account had been cancelled at her request on July 1, 2014. Her two payments of $24.95 had been refunded due to the

cancellation.

We trust that this resolves this matter and that no further communication is needed at this time.

Review: I Would like to report Horizon Card Services. This company is taking advantage of people who have a generating credit and need assistance. Later on I saw alot of complaints against this company. I have been charged $10.00 on my credit card to make a card. I would like Revdex.com To assist me with this process because It isn't fair at all.Desired Settlement: I Would like Horizon Card Services to give my $10.00 they charged me to make a card.

Business

Response:

We are in receipt o f the above referenced complaint dated 6/23/2014.

On May 13, 2014 [redacted] visited our secure web site and willingly applied for our services and completed our

application. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to

contact our Member Services Department are made available to all applicants prior to them completing and submitting

their application. All applicants are required to read and agree to these terms and conditions before their application will

[redacted] states in his complaint that he feels Horizon Card Services is taking advantage o f people in need o f

generating credit. He states he later saw a lot o f complaints against this company. He states he was charged $10.00 on

his credit card. He wishes to receive a refund o f the SI 0.00.

Our application process requires the customer to click on a check box to confirm they have read our terms and

conditions before the application can be submitted. These terms and conditions clearly state this product is a line o f

credit that can be used by an account holder to shop exclusively at our online shopping website. These terms and

conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit

bureau reporting. The customer has to click the check box agreeing to the terms and conditions, and then click submit.

[redacted] checked the box on May 13, 2014 stating he read and agrees to the terms and conditions. After entering

his personal information, [redacted] entered a valid credit card number and expiration date. The website explains

that by entering the payment information and submitting the request, the applicant understands and agrees to accept

their enrollment into Horizon Card Services. Furthermore, they understand and agree that they will be billed a one time

account validation and card issuance fee and a regular monthly participation fee. [redacted] ’s account was created

on May 13, 2014 and he paid the one time account validation and card issuance fee and a regular monthly participation

fee in the amount o f $29.95. He contacted Member Services on May 14, 2014 to question his account. He requested the

account to be canceled, but after speaking with a supervisor, he agreed to keep the account open and active. A partial

refund o f SI 0.00 was processed at that time. There was no further contact from [redacted].

Mr. [redacted] ’s account has been cancelled on June 23, 2014. He was refunded S I 0.00 on May 14th' after speaking with the

supervisor. We have refunded an additional $19.95 so that he has received a full refund o f $29.95.

We trust that this resolves this matter and that no further communication is needed at this time.

Review: I had chosen the option to not have my account billed for $29.95 on Thursday 7/25/13 because I had chosen to not get this credit card (NetFirst). Although I had chosen to not go on with the process, I was charged the $29.95 anyway. I would like this amount refunded.Desired Settlement: I would like the $29.95 refunded, as I had chosen the option to NOT continue the process, NOT get the card, and NOT be billed after I chose the option on their site to not be billed on Thursday 7/25/13.

Business

Response:

See attached File

We are in receipt of the above referenced complaint dated 7/25/2013.

On July 25, 2013 [redacted] visited our secure web site and willingly applied for our services and completed our application. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact our Member Services Department are made available to all applicants prior to them completing and submitting their application. All applicants are required to read and agree to these terms and conditions before their application will [redacted] states in his complaint that he had chose the option to not have his account billed $29.95 because he chose not to get the credit card. He states that he was charged any way. He wishes to be refunded the $29.95. Our application process requires the customer to click on a check box to confirm they have read our terms and conditions before the application can be submitted. These terms and conditions clearly state this product is a line of credit that can be used by an account holder to shop exclusively at our online shopping website. These terms and conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit bureau reporting. The customer has to click the check, box agreeing to the terms and conditions, and then click submit. [redacted] checked the box on July 25, 2013 stating he read and agrees to the terms and conditions. Mr. [redacted] contacted Member Services on July 25,2013 via email and requested to cancel his services. The service was cancelled and we voided the $29.95 transaction that was submitted by Mr. [redacted] earlier that day. A voided transaction is different than a refund. Mr. [redacted]’s credit card was authorized for the amount of $29.95 on July 25,2013. This means the money in the amount o f $29.95 was being held by his bank but not yet taken by Horizon Card Services. Since we did not capture the payment (take the money) we voided the transaction, Mr. [redacted]’s bank may hold the funds for the transaction anywhere between 3 to 30 days. The length o f time depends on his bank's policy. We would be happy to send a funds release letter to Mr. [redacted]’s bank if he requests for us to do so. Mr. [redacted]’s account was cancelled at his request on July 25, 2013. The initial payment totaling S29.95 was voided at that time. We trust that this resolves this matter and that no further communication is needed at this time.

Review: The company advertises a secured credit card but is only a card for use at one store. It is misleading to those trying to establish credit. When I called to cancel the card,I was hung up on and now they won't accept my calls to cancel the card.Desired Settlement: I would like a refund and my personal information removed from their database.

Business

Response:

We are in receipt o f the above referenced complaint dated 7/26/20 On July 5, 2013, [redacted] visited our secure web site and willingly applied for our services and completed our application. Our full terms conditions outlining our product and services, our liberal refund policy, and how to contact our Member Services Department are made available to all applicants prior to them completing and submitting their application. All applicants are required to read and agree to these terms and conditions before their application will be processed. [redacted] states in his complaint that the company advertises a secured credit card but it is only a card for use at one store. He feels it is misleading to those trying to establish credit. He states that when he called to cancel the card, he was hung up on and now his calls are not being accepted. He would like a refund and his personal information removed from the database. Our application process requires the customer to click, on a check: box to confirm they have read our terms and conditions before the application can be submitted. These terms and conditions clearly state this product is a line o f credit that can be used by an account holder to shop exclusively a t our online shopping website. These terms and conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit bureau reporting. The customer has to click the check box agreeing to the terms and conditions, and then click submit. [redacted] checked the box on July 5, 2013 stating he read and agrees to the terms and conditions. Mr. [redacted] contacted Member Services on July 26, 2013 to request his account be canceled because he thought it was a major credit card. He was transferred to a supervisor who canceled his account and gave his cancel IDS [redacted]. A prorated refund of $ 11.14 was processed that same day. Mr. [redacted]’s account has been cancelled at his request on July 26, 2013. According to the cancellation and refund policy as outlined in the terms, he was refunded a prorated refund o f $11.14. As a courtesy, we have refunded the remaining $18.81 o f the S29.95 transaction on August 15, 2013. We trust that this resolves this matter and th a t no further communication is needed at this time.

Review: This company had free credit check service free for 7 day's yesterday 8/11/2014 I tried getting in touch with them to cancel the service and couldn't get through. Today 8/12/2014 I finally got through and they said my checking account was charged $24.95 today I tried explaining the situation, but they didn't want hear it.... They canceled the so called free service, but wouldn't refund my money..... I want my money. Please help.Truly Yours,[redacted]Desired Settlement: Refund my $24.95

Business

Response:

We are in receipt o f the above referenced complaint dated 8/12/2014.

This letter responds to the complaint filed by [redacted] against Credit Hawk.

Mr. [redacted] states he had a 7-day free credit check with this company. He tried contacting the company on August 11,2014 to cancel

the service but was unable to get through. He called again on August 12,2014 and was able to finally able to speak with someone.

They told him he was charged $24.95 that day. He tried explaining the situation but the phone representative didn’t want to hear it.

They service was canceled but they wouldn’t refund the money. He would like the $24.95 to be refunded.

Our application process requires the customer to click on a check box to confirm that the customer agrees to the terms and conditions

before they can move on to the authentication process. These terms and conditions clearly outline our cancellation and refund policy.

The terms clearly state that the customer may terminate their enrollment at any time by calling the toll free number that appears on the

web site and on the emails that they receive from us. If for some reason they do not have access to a phone, they may terminate by

writing us at the given address. They may not cancel via email and so an email is not provided. The terms and conditions also state we

do not provide prorated refunds. In addition, we will not issue a refund for any service in which allows the customer to access the

service following the completion o f the transaction. [redacted] checked the box on August 5, 2014 stating he read and agrees to

the terms and conditions.

After entering his personal information, [redacted] entered a valid credit card number and expiration date. The website explains

that by checking the box and clicking on the “Authenticate” button, the customer understands that we will not be charging the credit

card today. We will however simply pre-authorize and place a hold on the card for $1.00 which will give the customer immediate

access to their three bureau credit report and their three free credit scores. This action begins the trial membership with Credit Hawk.

At the end of the seven say trial period, the customer understands that their credit/debit card will be charged on a monthly basis unless

they call the provided toll free number to cancel their membership in Credit Hawk. There are no fees or penalties if you decide to

cancel during the free trial period. Mr [redacted] contacted us August 12, 2014 requesting to cancel his service. The no refund policy was

explained to the customer. The call was disconnected before the conversation in regards to the refund was finished. The phone

representative tried contacting Mr [redacted] at the contact number that was given at the time the account was created but found it was an

invalid phone number. The transaction o f $24.95 that was processed that day was voided.

Mr. [redacted]’s account had been cancelled at his request on August 12, 2014. His payment o f $24.95 had been voided due to the

cancellation.

We trust that this resolves this matter and that no further communication is needed at this time.

Review: I have two cards through this company in which I tried to use one time but they never worked and they charge me $30 every two weeks for about 4 months or so. I was wondering if you could help me get a full refund from the past months including this monthDesired Settlement: I would just like a full refund from the time I first applied

Business

Response:

We are in receipt o f the above referenced complaint dated 6/26/2015.On March 6, 2015 and April 6, 2015, [redacted] visited our secure web site and willingly applied for our services andcompleted our application. Our full terms and conditions outlining our product and services, our liberal refund policy, andhow to contact our Member Services Department are made available to all applicants prior to them completing andsubmitting their application. All applicants are required to read and agree to these terms and conditions before theirapplication will be processed.[redacted] states in her complaint that she has two cards through Horizon Card Services in which she tried to use onetime but they never worked. She states she is charged $30 every two weeks for about 4 months or so. She wants to berefunded in full from the time she first applied.Our application process requires the customer to click on a check box to confirm they have read our terms and conditionsbefore the application can be submitted. These terms and conditions clearly state this product is a line o f credit that can beused by an account holder to shop exclusively at our online shopping website. These terms and conditions also outline ourcancellation and refund policy, clearly give our contact information, and explain credit bureau reporting. The customer hasto click the check box agreeing to the terms and conditions, and then click submit. [redacted] checked the box onMarch 6, 2015 and April 6, 2015, stating she read and agrees to the terms and conditions. After entering her personalinformation, [redacted] entered a valid credit card number and expiration date. The website explains that by enteringthe payment information and submitting the request, the applicant understands and agrees to accept their enrollment intoHorizon Card Services. Furthermore, they understand and agree that they will be billed a one time account validation andcard issuance fee and a regular monthly participation fee. [redacted] never contacted Horizon Card Services toquestion her account or to request the accounts be canceled and to be issued a refund.Ms. [redacted]’s account has been cancelled at her request on July 2, 2015. She has been refunded $19.95 for one account and$6.95 for the other account in accordance to the cancellation and refund policy as outlined in the terms and conditions.We trust that this resolves this matter and that no further communication is needed at this time.Sincerely,

Review: They advertise a credit card...when you apply they take a 39.95 processing fee. When you get the card it is a STORE card for their own items....and when you call for a refund, they put you through to 6 different people trying to keep you on and then when you insist on the 39.95 processing fee refund, they give you a PRO-RATED fee refund because they have been paying the benefits of the card from the date of application....EVEN IF you are not approved.....they will charge you.Desired Settlement: I want a full FULL refund of 39.95 for this card and this company shouldn't be in business any longer! they scam people out of money and then keep it!!!!

Consumer

Response:

This company has sent me a full refund.

Review: horizon credit card company takes money from the depisit if you cancel your card within a timly manner and says that it is prorated and it dont say anything about keeping money if you cancel within a timly mannerDesired Settlement: the took 6.99 from the 29.95 deposit

Business

Response:

We are in receipt of the above referenced complaint dated 11/19/2014.On November 8, 2014, [redacted] visited our secure web site and willingly applied for our services and completed ourapplication. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact ourMember Services Department are made available to all applicants prior to them completing and submitting their application.All applicants are required to read and agree to these terms and conditions before their application will be processed.[redacted] states in her complaint that Horizon credit card company takes money from the deposit if you cancel your cardwithin a timely manner and says that it is prorated and it doesn’t say anything about keeping money if you cancel within atimely manner.Our application process requires the customer to click on a check box to confirm they have read our terms and conditionsbefore the application can be submitted. These terms and conditions clearly state this product is a line of credit that can be usedby an account holder to shop exclusively at our online shopping website. These terms and conditions also outline ourcancellation and refund policy, clearly give our contact information, and explain credit bureau reporting. The customer has toclick the check box agreeing to the terms and conditions, and then click submit. [redacted] checked the box on November8, 2014 stating she read and agrees to the terms and conditions. After entering her personal information, [redacted]entered a valid credit card number and expiration date. The website explains that by entering the payment information andsubmitting the request, the applicant understands and agrees to accept their enrollment into Horizon Card Services.Furthermore, they understand and agree that they will be billed a one time account validation and card issuance fee and aregular monthly participation fee. [redacted] first contacted member services on November 14, 2014 to question heraccount but did not request a cancellation or refund. She then contacted member services on November 17th and this time it wasto request that the account be cancelled and for a refund to be processed. After speaking with a supervisor who is authorized tocancel accounts and process refunds, Ms. [redacted] was advised that the account was canceled as requested and that a proratedrefund in the amount o f S22.96 has been processed. After closing the call with the supervisor, Ms. [redacted] called back toquestion the refund amount. The customer service representative explained it was a prorated refund. Ms. [redacted] indicated shewas satisfied with the call and closed the call.Ms. [redacted]’s account had been cancelled at her request on November 17, 2014. She had been issued a refund o f $22.96. As acourtesy, we have issued a refund in the remaining amount of S6.99 making the total refund $29.95.We trust that this resolves this matter and that no further communication is needed at this time.

Review: Offer for a "credit card" with unclear billing and payment options, does not clearly state a charge will be made at time of application. Went to site and all it gives me is a member number and other options I did not want, like roadside assistance.... shows one thing and deceives people into buying something else SCAMDesired Settlement: I want my money 29.95 back as soon as possible. Also this scam should be shut down, it lures people in offering one thing and ultimately deciving them into buying other offers without blatantly showing a price.

Business

Response:

We are in receipt o f the above referenced complaint dated 12/03/2013.

On December 3, 2013 [redacted] visited our secure web site and willingly applied for our services and completed our

application. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact

our Member Services Department are made available to all applicants prior to them completing and submitting their

application. All applicants are required to read and agree to these terms and conditions before their application will be

processed.

[redacted] states in her complaint that she received an offer for a credit card with unclear billing and payment options.

She states it does not clearly state a charge will be made at the time of the application. She went to the site and all it gives

her is a member number and other options she does not want such as roadside assistance. She says it shows one thing and

deceives people into buying something else. Ms. [redacted]’s desired settlement is to have her $29.95 refunded as soon as

possible.

Our application process requires the customer to click on a check box to confirm they have read our terms and conditions

before the application can be submitted. These terms and conditions clearly state this product is a line of credit that can be

used by an account holder to shop exclusively at our online shopping website. These terms and conditions also outline our

cancellation and refund policy, clearly give our contact information, and explain credit bureau reporting. The customer has

to click the check box agreeing to the terms and conditions, and then click submit. [redacted] checked the box on

December 3, 2013 stating she read and agrees to the terms and conditions. After entering her personal information, [redacted]

[redacted] entered a valid credit card number and expiration date. The website explains that by entering the payment information

and submitting the request, the applicant understands and agrees to accept their enrollment into Horizon Card Services.

Furthermore, they understand and agree that they will be billed a one time account validation and card issuance fee and a

regular monthly participation fee. Ms. [redacted] never contacted our customer service department to request a cancellation and

refund.

Ms. [redacted]’s account has been cancelled on December 3, 2013. Her payment of $29.95 has been voided in accordance to the

cancellation and refund policy as outlined in the terms and conditions.

We trust that this resolves this matter and that no further communication is needed at this time.

Sincerely,

Compliance Officer

Horizon Card Services

Review: this company is taking moneys from two seprete accounts,and only giving credit to a 10.00 payment, and a 25.00 payment,two other payments on another persons cards are being deducted,one for 25.00, another for 24.52,my payment started as 57.95,and my 17.95 balance has not been credited,they are going into another debit,even though I paid last payment on my card.they are somehow committing fraud,and getting away with it.they also wont let me cancle membership,as I offered to pay my balance if any after they hit another debit.Desired Settlement: I want them to understand balance is paid,and cancle me and anyone associated from thehorizonoutlet.com in good terms,to let go of legel accounts,and go sepreate ways

Business

Response:

We are in receipt of the above referenced complaint dated 10/15/2013. On August 17, 2013 [redacted] visited our secure web site and willingly applied for our services and completed our application. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact our Member Services Department are made available to all applicants prior to them completing and submitting their application. All applicants are required to read and agree to these terms and conditions before their application will be processed. [redacted] states in his complaint that money is being taken from two separate accounts and his account was given credit for a S I 0.00 and S25.00 payment. He states two other payments on another person’s card were deducted, one for $25.00 and another for S24.52. He states his payment started at $57.95 and his balance o f $17.95 has not been credited. He states there is another debit scheduled even though he paid the last payment. He also states he is not permitted to cancel his membership. Our application process requires the customer to click on a check box to confirm they have read our terms and conditions before the application can be submitted. These terms and conditions clearly state this product is a line o f credit that can be used by an account holder to shop exclusively at our online shopping website. These terms and conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit bureau reporting. The customer has to click the check box agreeing to the terms and conditions, and then click submit. [redacted] checked the box on August 17, 2013 stating he read and agrees to the terms and conditions. Mr. [redacted] made a purchase from the online shopping site on August 22, 2013. He paid $12.84 using card ending in ....1490 for shipping and processing. $52.98 was taken from his credit line. On October 4, 2013, an auto debit was completed in the amount o f $25.00 using card ending in ....3164, which is the card Mr. [redacted] gave us for on file. Mr. [redacted] then made a $10.00 payment on October 11, 2013 using card ending in ....2293. This leaves a balance o f $17.98. Mr. [redacted] spoke with member services on October 14, 2013 and was given an outlet voucher o f $60.00, which cleared his balance of $17.98 and left him a credit o f $42.02 to use toward his next outlet purchase. As a result, Mr. [redacted] is not scheduled for another debit. We have no record o f additional payments o f $25.00 and $24.52. We do have record o f two monthly membership payments totaling $24.95 each. The first one dated September 13, 2013 and the second one October 11, 2013. We received an emailed cancellation request on October 14, 2013. After several attempts to contact Mr. [redacted] by phone, the account was cancelled and the $24.95 payment from October 11th was voided. Mr. [redacted]’s account was cancelled at his request on October 14, 2013. The monthly payment from October 11, 2013 totaling $24.95 was voided at that time. He does not have an outstanding balance from the outlet. We trust that this resolves this matter and that no further communication is needed at this time. [redacted] Compliance Officer Horizon Card Services

Review: Horizon Card Services has made three transactions to my [redacted] Credit Union bank account in the past one and a half months. I do not have and never had an account with Horizon Card Service. I contacted their customer service number and they only wanted my bank account information the representative didn't even bother to ask my name first. Normally businesses would ask for their own account numbers to track their customers. The representative was bothered that I would not provide them my bank information. I have alerted my bank to the fraud and had to freeze my bank account which has made normal financial transactions difficult. This company is a questionable organization that should be federally investigated immediately.Desired Settlement: I want my money returned to me by check, remove any financial information that this organization has of me and this company investigated by the government for questionable business practices.

Business

Response:

Update to [redacted] Complaint ID [redacted]... Received an email from Mrs. [redacted] representing Reliant Holdings Inc. The message is as follows:

____________________________________________

"Mr. [redacted],

We are in receipt of your Revdex.com complaint. I am unable to locate an account in your name as you state in the complaint. In order to remove your financial information, I need to find out which account it is associated with. Please contact me at your earliest convenience at ###-###-#### or ###-###-####.