I am with everyone else i was ripped off and intend to get my money back.

To whom it may concern,

I had signed on for this card, thinking that it was a major credit card. Well, after discovering that it wasn't I waited a little bit and then called in January to have the card cancelled. The lady on the phone offered me a free month if I would just check out there store website again. I did so and then called back 17 days later and said "not interested" please cancel the card and the gentlemen on the phone said no problem... I since then have gotten a withdrawal on checking account for there monthly fee and I called this morning to talk to the supervisor and complain to him about getting that fee put back in my account. He told me he is sorry and can't do that because that fee is for last month. However, I had called and asked this account to be cancelled therefore there should have never been a charge to begin with. He again told me he could not issue a refund because this was for last month. Again I had called before last month and asked the card to please be cancelled. What can I do or complain to now about this company. I do believe this company to a be somewhat "scamful" in what they do to there customers and how there customer service policy is. Thank you for you time. I no longer have my membership ID because after calling in January to cancel the card I threw the card out so you should be able to get all information from my last name.

I signed online for this card February 2, 2007, thinking that it was a mastercard or visa. I waited two weeks for the card to arrive. Meanwhile then took the 79.95 from my account immediately. When the card arrived I was stunned to see that it was neither a mastercard nor a visa. You have to log into a site and shop for their products and they say they report this to TransUnion. I sent two emails immediately for they was closed. I told them that I thought they were dishonest and that they had deceived me. The very next day I got three emails from this company and also called and was told they would credit me 34.95 back to my account. I said I would contact my attorney general office, then I was place on hold. Okay, we will credit you 59.95 back. I said, you took 79.95 from me, I want all my money back for I never used any of your services nor did I order any of your junk. Needless to say, 20.00 is still outstanding and it will fight for it. Below is a couple of emails from this company.

Denese-

We have canceled your account. Cancellation confirmation is 31647. Also, your refund of $59.95 was processed, it should appear back in your account in 24-72 hours.

Thanks-
Amber

Dear Denese,

I am sorry that you feel you were "scammed". First and foremost, remember that the Horizon Gold Card was designed to help people re-establish their credit. Is this what you are looking to do? It's difficult and very risky to offer high-end items to a customer base that is rebuilding credit. Plus, large items are expensive to ship.

Credit works the same whether you are using a credit card on a shopping site or to purchase gas. Our card is a true credit card that reports back to a major credit bureau every 30 days.

We do have a partner site we can provide you with that offers a Visa. They do require an employment check as well as a credit check. Is your credit score high enough to support being approved for a Visa right now?

Being very familiar with our advertising, I know that Horizon Card Services does not advertise our Gold Card with a Visa or MasterCard logo. That WOULD be deceitful. We also make ALL Terms and Conditions available to applicants during the application process. I've attached a copy in order for you to review again.

We do require all of our customers wishing to cancel to call our Member Services at toll free 1.800.251.6144.

Thank you,
Kim
Member Services

----- Original Message -----
From: [email protected]
To: [email protected]
Sent: Thursday, February 22, 2007 4:52 PM
Subject: Feedback

I am very disappointed in this company. I never thought I was getting a card to shop online for the garbage that I see on the site. I really feel scammed by this company and will be filing a complaint with the better business bureau. I never thought that once you took the 79.95 from my account that I was not getting a credit card (visa or mastercard) you have deceived me and I am really upset about this. Your merchandise is trash.

DENESE BROWN.

STAY AWAY FROM THIS COMPANY!