Horizon Card Services

We are in receipt of the above referenced complaint dated 5/8/2017.On March 6, 2017, [redacted] visited our secure web site and willingly applied for our services and completed our applicationOur 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 applicationAll applicants are required to read and agree to these terms and conditions before their application will be processed[redacted] states in his complaint he mistakenly applied for a this credit card and it’s only for their website [redacted] states he talked to two people for minutes, getting mad after the 11th time they tried to resale the product and even though he cut the card up and never activated it, he states they offered to refund him $after the card was initially charging $ He states in his complaint that he got an email that they are going to refund the full amount only after he said he would dispute the charge with his bank.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 submittedThese 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 websiteThese terms and conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit bureau reportingThe customer has to click the check box agreeing to the terms and conditions, and then click submit [redacted] checked the box on March 6, stating he read and agrees to the terms and conditionsAfter entering his personal information, [redacted] entered a valid credit card number and expiration dateThe website explains that by entering the payment information and submitting the request, the applicant understands and agrees to accept their enrollment into Horizon Card ServicesFurthermore, 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 Horizon Card Services on May 5, requesting a cancellation and refund of his accountAfter being transferred to a supervisor who is authorized to process a cancellation and refund, the account was canceled at the customer’s request and [redacted] was issued a full refund of $As a courtesy, [redacted] was issued an additional refund of $29.95Mr [redacted] account has been cancelled at his request on May 5, He has been refunded $in accordance to the cancellation and refund policy as outlined in the terms and conditionsAnd as a courtesy, an additional total of $refunded.We trust that this resolves this matter and that no further communication is needed at this time Sincerely,Dee-ann B [redacted] Compliance Officer Horizon Card Services

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 ourapplicationOur 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 submittedThese 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 websiteThese terms and conditions also outline ourcancellation and refund policy, clearly give our contact information, and explain credit bureau reportingThe customer has toclick the check box agreeing to the terms and conditions, and then click submit [redacted] checked the box on November8, stating she read and agrees to the terms and conditionsAfter entering her personal information, [redacted] entered a valid credit card number and expiration dateThe 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, to question heraccount but did not request a cancellation or refundShe then contacted member services on November 17th and this time it wasto request that the account be cancelled and for a refund to be processedAfter 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 Shas been processedAfter closing the call with the supervisor, Ms [redacted] called back toquestion the refund amountThe customer service representative explained it was a prorated refundMs [redacted] indicated shewas satisfied with the call and closed the call.Ms [redacted] ’s account had been cancelled at her request on November 17, She had been issued a refund o f $As acourtesy, we have issued a refund in the remaining amount of Smaking the total refund $29.95.We trust that this resolves this matter and that no further communication is needed at this time

We are in receipt o f the above referenced complaint dated 11/2/2015.On October 30, 2015, [redacted] visited our secure web site and willingly applied for our services andcompleted our applicationOur full terms and conditions outlining our product and services, our liberal refundpolicy, and how to contact our Member Services Department are made available to all applicants prior to themcompleting and submitting their applicationAll applicants are required to read and agree to these terms andconditions before their application will be processed[redacted] states in her complaint that Horizon Card Services deducted Sfrom her debit card as deposittowards a secured card that she never applied forThe date that she was given for the application was October 30,She states that in addition, they deducted the amount without any prior notification, which would have beenimpossible, as she did not apply in the first placeShe states she saw complaints made by others, which to hersuggests this is a hustleShe states perhaps enough individuals do not fight for such a small amount making thehustle worth all o f the trouble on their partHowever she is concerned about how they received a great deal o f herpersonal informationShe simply wants the $returned to her account and a written statement that HorizonCard Services will not sell all o f her personal information etc.Our application process requires the customer to click on a check box to confirm they have read our terms andconditions before the application can be submittedThese terms and conditions clearly state this product is a line o fcredit that can be used by an account holder to shop exclusively at our online shopping websiteThese terms andconditions also outline our cancellation and refund policy, clearly give our contact information, and explain creditbureau reportingThe customer has to click the check box agreeing to the terms and conditions, and then clicksubmit [redacted] checked the box on October 30, stating she read and agrees to the terms and conditions.After entering her personal information, [redacted] entered a valid credit card number and expiration dateThewebsite explains that by entering the payment information and submitting the request, the applicant understands andagrees to accept their enrollment into Horizon Card ServicesFurthermore, they understand and agree that they willbe billed a one time account validation and card issuance fee and a regular monthly participation fee [redacted] contacted Horizon Card Services by phone on October 31, to request a cancellation and refundShe did stateshe was not aware o f signing up for the cardAfter being transferred to a supervisor who is authorised to process acancellation and refund, the account was canceled at the customer’s request and the Stransaction was voided.MsNor r is ’ account had been cancelled at her request on October 31, The transaction in the amount o f S29.95was voided in accordance to the cancellation and refund policy as outlined in the terms and conditionsA voidedtransaction is different than a refundMsNor r is ’ credit card was authorized for the amount o f Son October30, This means the money in the amount o f Sis being held by her bank but not yet taken by HorizonCard ServicesSince we did not capture the payment (take the money) we voided the transactionMs [redacted] ’ bankmay hold the funds for the transaction anywhere between to daysThe length o f time depends on her bank’spolicyWe would be happy to send a funds release letter to Ms [redacted] ’ bank if she requests for us to do soMs[redacted] ’ personal information will not be marketed.We trust that this resolves this matter and that no further communication is needed at this time.Sincerely,Dee-ann B [redacted] Compliance OfficerHorizon Card Services

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowYes, I did fill the form out on my own It also stated that this was a credit card not a catalog card I have added for your viewing a copy of all transactions from my bank account starting from 11/13/2015- 12/01/ On the statement nowhere do you see a refund from them Horizon card services I want my money back and do not appreciate this company acting like I have to try and get them for Regards, [redacted]

We are in receipt o f the above referenced complaint dated 10/17/ On October 11, 2014, [redacted] visited our secure web site and willingly applied for our services and completed our applicationOur 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 arc required to read and agree to these terms and conditions before their application will be processed [redacted] states in her complaint that she noticed this card services is not legitShe is scared it will interfere with her good credit and wants refunded asap 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 submittedThese 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 websiteThese terms and conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit bureau reportingThe customer has to click the check box agreeing to the terms and conditions, and then click submit [redacted] checked the box on October 11, stating she read and agrees to the terms and conditionsAfter entering her personal information, [redacted] entered a valid credit card number and expiration dateThe website explains that by entering the payment information and submitting the request, the applicant understands and agrees to accept their enrollment into Horizon Card ServicesFurthermore, 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 Member Services on October 11, to ask questions about her account but did not request a cancellation o f services [redacted] contactcd us again on October 23, to cancel the account and to receive a refundThe supervisor canceled the account as requested and issued a prorated refund o f SI Ms [redacted] ’s account had been cancelled at her request on October 23, She was issued a refund o f SI at that timeIn addition as a courtesy, we have refunded the remaining $ We trust that this resolves this matter and that no further communication is needed at this time

We are in receipt o f the above referenced complaint dated 6/26/2015.On March 6, and April 6, 2015, [redacted] visited our secure web site and willingly applied for our services andcompleted our applicationOur 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 applicationAll 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 workedShe states she is charged $every two weeks for about months or soShe 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 submittedThese 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 websiteThese terms and conditions also outline ourcancellation and refund policy, clearly give our contact information, and explain credit bureau reportingThe customer hasto click the check box agreeing to the terms and conditions, and then click submit [redacted] checked the box onMarch 6, and April 6, 2015, stating she read and agrees to the terms and conditionsAfter entering her personalinformation, [redacted] entered a valid credit card number and expiration dateThe website explains that by enteringthe payment information and submitting the request, the applicant understands and agrees to accept their enrollment intoHorizon Card ServicesFurthermore, 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, She has been refunded $for one account and$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,

On December 9, 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 applicationAll 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 feels misled by the Horizon Card advertisementAfter realizing the service was not a major credit card, she called to cancel the service for herself and two other membersShe states that even though she told Member Services that they didn’t receive the cards she continued to be billedShe states that customer service was not willing to meet her halfwayShe states she had to speak to a supervisor in order to complete the cancellation 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 submittedThese 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 websiteThese terms and conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit bureau reportingThe customer has to click the check box agreeing to the terms and conditions, and then click submit [redacted] checked the box on December 9, stating she read and agrees to the terms and conditionsAfter 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 ServicesFurthermore, 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] first contacted Member Services on December 23, She let the phone representative know she did not receive her cardAfter verifying the customer’s address, the card was resentMs [redacted] did not contact Member Services again until September 20, She requested for the account to be canceled and wanted to receive a refund back to the date she signed upThe account was canceled as requested with no refund due Ms***’s account had been cancelled at her request on September 20, There is no refund due in accordance to the cancellation and refund policy as outlined in the terms and conditionsWe have a 30-day refund policy and the last payment Ms [redacted] made was on August 1, We trust that this resolves this matter and that no further communication is needed at this time

February 16, Re: ID [redacted] Dear [redacted] ***: We are in receipt of the above referenced complaint dated 2/10/ [redacted] states in her complaint that since December of she has been charged monthly fees by Horizon Card ServicesShe states she has never authorized this company to charge any fees to her debit card and has not applied for any “secure credit card” account with this company [redacted] states she at no point provided her account and/or debit card information to this companyShe states the fees charged to date are as follows: December ’$39.95, January $24.95, January ’$0.75, February ’ $24.95, February ’ $and she states this fee was reversed [redacted] states she would like to receive a full refund of all fees charged to her accountOur application process clearly states the card is a credit line to be used exclusively at our online shopping websiteThe terms and conditions of the service are easily accessible on the first page of the applicationThese terms and conditions in addition to explain the services offered also outline our cancellation and refund policy, clearly give our contact information, and explain credit bureau reportingAfter entering personal information, [redacted] was to enter a valid credit card number and expiration dateThe website explains that by entering the payment information and submitting the request, the applicant understands and agrees to accept their enrollment into Horizon Card ServicesFurthermore, they understand and agree that they will be billed a one time account validation and card issuance fee and a regular monthly participation feeUpon receipt of [redacted] ‘s complaint, we are unable to locate any transactions with the customer name of [redacted] , and the address and phone number provided on the complaintWe tried contacting Ms [redacted] by phone on February 14, and left a voicemail message with our customer advocacy phone number requesting she return our callAs of today, February 16, 2017, we have not heard from [redacted] We trust that this resolves this matter and that no further communication is needed at this timeSincerely, Dee-ann [redacted] Compliance Officer Horizon Card Services

We are in receipt o f the above referenced complaint dated 9/14/2016.On June 7, 2016, [redacted] visited our secure web site and willingly applied for our services and completedour applicationOur 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 applicationAll applicants are required to read and agree to these terms and conditions before theirapplication will be processed.To summarize [redacted] ’s complaint, he states his horizon card has a monthly fee of $that includesroadside assistanceHe states he used the service on 9/2/for a tire change and the following day use it again.He goes on to state the following week on the 9th o f September he called to use the roadside program because hiscar radiator had went out and they refused to send someone out due to his account being inactive and then hung upon him when he was told they would get a supervisorHe states he had to have his wife bring him to work andleave his car at the gas stationHe states he went back the next day and the same thing happenedHe states it tookan hour on the phone with a young lady that had got roadside assistance to see his account active [redacted] statesafter and a half hours he called back to see when the tow truck would arrive and the lady on the phone states shetried to call him three times and left a messageHe states they used his work number from the day before and heknows he gave her his cell phone numberHe states the tow truck finally comes and charges him $extrabecause they could not reach him with the quoted price [redacted] states he paid the gentleman $to get his car tothe repair shopHe states he will never use this company again and he wants his money back that he had to pay touse the roadside assistance that was never agreed uponHe states the reps he spoke with were rude and he wouldlike the funds paid to the company be refunded.Our application process requires the customer to click on a check box to confirm they have read our terms andconditions before the application can be submittedThese terms and conditions also outline our cancellation andrefund policy, clearly give our contact information, and explain credit bureau reportingThe customer has to clickthe check box agreeing to the terms and conditions, and then click submit [redacted] checked the box onJune 7, stating he read and agrees to the terms and conditionsAfter entering his personal information, [redacted] entered a valid credit card number and expiration dateThe website explains that by entering thepayment information and submitting the request, the applicant understands and agrees to accept their enrollmentinto Horizon Card ServicesFurthermore, they understand and agree that they will be billed a one time accountvalidation and card issuance fee and a regular monthly participation feeThe Roadside Assistance terms andconditions clearly outline our Roadside Assistance PolicyAs a member, the benefit coverage begins following a5-day waiting period from date o f enrollment or reinstatementUp to service calls or towing requests up to 15miles not to exceed the operator cost o f $Additional mileage and associated towing costs will be yourresponsibility to pay at the time o f serviceNO more than one towing or service call is covered within a 30-dayperiod and no more than total service calls within any 12-month period [redacted] contacted HorizonCard Services several times during the month of September in regards to using the Roadside AssistanceProgramA representative spoke with Roadside Assistance on September 10, ensuring [redacted] wasan active customer with the Roadside Assistance ProgramSeveral efforts were made to assist [redacted] inusing his Roadside AssistanceAfter speaking with a supervisor with reference to the Roadside AssistanceProgram, [redacted] requested the account to be canceled [redacted] ’s account was canceled andissued a refund o f $24.95.Mr [redacted] ’s account has been cancelled at his request on September 14, He has been refunded $inaccordance to the cancellation and refund policy as outlined in the terms and conditions.We trust diat tins resolves this matter and that no further communication is needed at this time.Sincerely,Dee-ann B [redacted] Compliance OfficerHorizon Card Services###-###-####(Fax) ###-###-####

On February 3, 2017, [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 her debit card is being charge from this business and she did not sign up for it. [redacted] states she wants a refund of her debit and to get rid of her info. She also states she wants to know how they got her debit info. 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 3, 2017 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 Horizon Card Services by email on February 4, 2017 to request a cancellation and refund. After speaking with a live representative, [redacted] ’ account was canceled and voided $6.95. Ms. [redacted] had been cancelled at her request on February 4, 2017. The transaction in the amount of $6.95 was voided in accordance to the cancellation and refund policy as outlined in the terms and conditions. A voided transaction is different than a refund. Ms. [redacted] ’ credit card was authorized for the amount of $6.95 on February 3, 2017. This means the money in the amount of $6.95 is being held by her bank but not yet taken by Horizon Card Services. Since we did not capture the payment (take the money) we voided the transaction. Mrs. [redacted] ’ bank may hold the funds for the transaction anywhere between 3 to 30 days. The length of time depends on her bank's policy. We would be happy to send a funds release letter to Ms. [redacted] ’ bank if she requests for us to do so. We trust that this resolves this matter and that no further communication is needed at this time. Sincerely, CX

We are in receipt o f the above referenced complaint dated 7/29/2016.On July 1, 2016, [redacted] visited our secure web site and willingly applied for our services and completed ourapplicationOur 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 applicationAllapplicants are required to read and agree to these terms and conditions before their application will be processed[redacted] states in her complaint she looked into Credit Card and declinedShe states they are charging me, this willcontinue monthly until resolved 07/29/Horizon Card Services Indiana Pa $7.95???? [redacted] states please refund mymoney to checking account and never charge me ag ain ...th is will continue monthly until resolved.Our application process requires the customer to click on a check box to confirm they have read our terms and conditions beforethe application can be submittedThese terms and conditions clearly state this product is a line o f credit that can be used by anaccount holder to shop exclusively at our online shopping websiteThese terms and conditions also outline our cancellation andrefund policy, clearly give our contact information, and explain credit bureau reportingThe customer has to click the check boxagreeing to the terms and conditions, and then click submit [redacted] checked the box on July 1, 2016, stating she readand agrees to the terms and conditionsAfter entering her personal information, [redacted] entered a valid credit cardnumber and expiration dateThe website explains that by entering the payment information and submitting the request, theapplicant understands and agrees to accept their enrollment into Horizon Card ServicesFurthermore, they understand and agreethat they will be billed a one time account validation and card issuance fee and a regular monthly participation fee [redacted] did not contact Horizon Card Services regarding a cancellation to her account.Ms [redacted] ’s account has been cancelled at her request on August 1, The transaction in the amount o f $was voided inaccordance to the cancellation and refund policy as outlined in the terms and conditionsA voided transaction is different than arefundMr [redacted] ’s credit card was authorized for the amount o f $on July 29, This means the money in the amounto f $is being held by her bank but not yet taken by Horizon Card ServicesSince we did not capture the payment (take themoney) we voided the transactionMs [redacted] ’s bank may hold the funds for the transaction anywhere between to daysThelength o f time depends on her ban k ’s policyAs a courtesy, we have refunded Ms [redacted] an additional $7.95.We trust that this resolves this matter and that no further communication is needed at this time

We are in receipt of the above referenced complaint dated 2/14/On November 28, 2016, [redacted] visited our secure web site and willingly applied for our services and completed our applicationOur 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 applicationAll 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 told him that he had to pay dollars and some change to have a dollar credit limit and they would report to EquifaxHe states he opened his account in November of and he checked his credit report and they were not reporting anything [redacted] states after seeing this he closed his account with them and not a week later they reported to Equifax that he closed his account with only two payments [redacted] states he made his first payment in Nov but it doesn’t show upHe states it also showed on his credit report that they lied and he only had 500-dollar credit line [redacted] states his credit score dropped points because of their lies so he would like to be refunded all of his moneyOur 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 submittedThese 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 websiteThese terms and conditions also outline our cancellation and refund policy, clearly give our contact information, and explain credit bureau reportingThe customer has to click the check box agreeing to the terms and conditions, and then click submit [redacted] checked the box on November 28, stating he read and agrees to the terms and conditionsAfter entering his personal information, [redacted] entered a valid credit card number and expiration dateThe website explains that by entering the payment information and submitting the request, the applicant understands and agrees to accept their enrollment into Horizon Card ServicesFurthermore, 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 Horizon Card Services several times with general questions and upgrades to his accountHe did not request a cancellation until February 7, After speaking with a Supervisor, the account was cancelled as requestedDue to [redacted] late in the month enrollment, his account was first reported to the credit bureau on January 11, with an effective open date of November 28, [redacted] closed his account on February 7, On February 13, his account was reported to the credit bureau as a closed account with a closed date of February 7, Mr [redacted] account has been cancelled at his request on February 7, He has been refunded $in accordance to the cancellation and refund policy as outlined in the terms and conditionsWe trust that this resolves this matter and that no further communication is needed at this timeSincerely, Dee Compliance Officer Horizon Card Services

We are in receipt of the above referenced complaint dated 4/6/20 15.On March 28, 2015, [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 macfe 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 a credit card that she wa~ told she could use online. But when sÃo triesto use it, it asks for the CVV number and expiration date. The card does not have an expiration date or a CVV number on it.Ms. [redacted] would like the card replaced with the same amount on it,Our application process requires the customer to click on a check box to confn’m they have read our terms and conditionsbefore the application can be subinitteth These terms and conditions clearly state this product is a line of credit that cm be usedby an account holder to shop exclusively at our online shopping webshe. 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] cheeked the box on March 28,2015 stating she read and agrees to the terms and conditions. After entering her personal information, [redacted] entered avalid credit card number and expiration date. The website explains that by entering the payment information and submitting therequest, the applicant understands and agrees to accept their enrollment into Horizon Card Services. Furthermore, theyunderstand and agree that they will be billed a one time account validation and card issuance fee and a regular monthlyparticipation fee, [redacted] did contact Member Services several times questioning her account Ms [redacted] called twice onApril 6, 2015 to receive assistance with placing an order on the site and it was explained to her that shipping and processingcannot be charged to the Horizon account; a separate card would be needed to make payment for the shipping and processingfees. Ms. [redacted] requested to cancel her service. After speaking with a supervisor, Ms. [redacted] changed her mind and agreed tokeep the account open and active.Ms. [redacted] account has been canceled at management discretion on April 10, 2015. Ms. [redacted] received a full refund of $29.95.We trust that this resolves this matter and that no further communication is needed at this time.Sincerely, [redacted]

Dear David Baker:We are in receipt of the above referenced complaint dated 12/24/2014.On February 11, 2013, *** *** visited our secure web site and willingly applied for our services and completed ourapplicationOur 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 applicationAllapplicants are required to read and agree to these terms and conditions before their application will be processed.*** *** states in his complaint that he obtained a Horizon Gold Card in the beginning of and never used the card once.He states he has tried countless times to cancel to no availHe states he spoke with over different agents and when the call gets tothe closing process, the calls all seem to disconnectHe feels lie is forced into keeping this cardFurthermore, he states that the card ishurting his credit score and he cannot cancel it or receive a refundHe feels that the whole company is a scam and he should berefunded all his moneyHe states there is never have anything in stock and you can never hold more than a three-minute conversationbecause they just hang up on youHe would like to be compensated $for the cost of the card and extra for damages to his creditreport over the last two years.Our application process requires the customer to click on a check box to confirm they have read our terms and conditions before theapplication can be submittedThese terms and conditions clearly state this product is a line of credit that can be used by an accountholder to shop exclusively at our online shopping websiteThese terms and conditions also outline our cancellation and refund policy,clearly give our contact information, and explain credit bureau reportingThe customer has to click the check box agreeing to theterms and conditions, and then click submit*** *** checked the box on February 11, stating he read and agrees to theterms and conditionsAfter entering his personal information, *** *** 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 toaccept their enrollment into Horizon Card ServicesFurthermore, they understand and agree that they will be billed a one time accountvalidation and card issuance fee and a regular monthly participation fee*** *** has not contacted Member Services toquestion his account or to request a cancellation and refund.Mr***’s account has been cancelled at his request on December 30, There is no refund due in accordance to thecancellation and refund policy as outlined in the terms and conditionsMr*** can dispute what has been reported to the creditreporting agency and we can review the information that has been sent for accuracy.We trust that this resolves this matter and that no further communication is needed at this time

We are in receipt o f the above referenced complaint dated 9/20/2016.On July 27, 2016, *** *** visited our secure web site and willingly applied for our services and completed ourapplicationOur full terms and conditions outlining our product and services, our liberal refund policy, and how
to contactour Member Services Department are made available to all applicants prior to them completing and submitting theirapplicationAll applicants are required to read and agree to these terms and conditions before their application will beprocessed.*** *** states in her complaint they advertise an application for a credit card but didn’t inform the consumer that itwas for online shopping only, also they charge $*** states when she called the number on her statement, theywere unable to locate her accountShe states she disputed the transaction with her credit cardShe then states she hadsomeone call her from Horizon Card Services in response to her dispute*** states she told them she did not want theservice and asked if she received the card, she said no*** states they told her the account was canceled and that waswithin weeks o f the charge hitting her cardShe states no she is being recharged and each time she calls she is gettingtold that the only person who can assist her is either out to lunch, away from their desk or in an area where they can’ttransfer calls but yet supposedly they can call her*** states she has called about times within an hour and keepgetting the same story.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 submittedThese 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 websiteThese terms and conditions also outline ourcancellation and refund policy, clearly give our contact information, and explain credit bureau reportingThe customer hasto click the check box agreeing to the terms and conditions, and then click submit*** *** checked the box on July27, stating she read and agrees to the terms and conditionsAfter entering her personal information, *** ***entered a valid credit card number and expiration dateThe 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*** *** did not contact Horizon Card Services regarding a cancellation andrefund of her accountWe received a dispute from her financial institution in relation to the $initial fee on August22, We made an outbound call to *** *** and spoke on the subject of the dispute on August 31, Ms.*** contacted Horizon Card Services in regards to the dispute on September 20, and her phone call was returnedwithin one hour.Ms ***’s account has been cancelled at her request on August 22, in relation to the dispute received from herfinancial institution.We trust that this resolves this matter and that no further communication is needed at this time.Sincerely,Dee-ann B***Compliance Officer

We are in receipt o f the consumers response to the above referenced complaint dated 12/7/2015.*** *** states that she has reviewed the response and has determined that it does not resolve her complaint.She states that she has added a copy o f all her transactions from her bank account starting from 11/13/2015-12/1/Nowhere on the statement does she see a refund from Horizon Card ServicesShe wants her money backand does not appreciate the company acting like she has to try to get them for 29.99.We tried contacting Ms*** by phone on December 8th and left a voicemail message requesting she return ourcallA follow up email was also sent on December 8lhThe email explained that the refund was processed onNovember 25, and can take 3-business days for her financial institution to accept the refund and make fundsavailableDue to the Thanksgiving Holiday, five business days could extend as late as December 4, As thedate o f the email was December 8” , it was determined there must be an issue with the refund going through thefinancial institution and we would be happy to work with them to resolve the issueMs *** did respond to theemail on December 8th stating there is no issue with her bank, we jus t did not refund the $As a response, wesent Ms*** a copy o f the transaction receipt and also the refund receipt to assist her in her investigation intothe issueShe responded with a copy f a bank statement showing transactions from 11/18/2015-12/3/Weresponded with a request to see a copy o f her bank statement up through the current date of December 9th as thetransactions from December 4th were not showingAs o f today, December 17th, Ms *** has not responded to ourrequest.We trust that this resolves this matter and that no further communication is needed at this time

We are in receipt o f the above referenced complaint dated 9/27/
On August 10, 2014, *** *** visited our secure web site and willingly applied for our services and completed our applicationOur
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 applicationAll applicants are required to
read and agree to these terms and conditions before their application will be processed
*** *** states in her complaint that on August 10, she was offered a $credit lineAfter her application was processed
she received a confirmation emailHer credit card was charged $at that timeShe was then further charged $on September 5,
On September 9, she spent hours canceling the card and attempting to be refundedThe customer service representative who
answered the call was not able to process the cancellation and refund and so she was transferred to a supervisorThe supervisor would
only refund the $from September 5th even though Ms *** explained that it is within the thirty days of the first payment tooThe
supervisor told her she was not authorized to refund the other amount and gave her another phone number to callMs *** states she
does not have time to make another callShe did send an email but has of yet to receive a responseShe wishes to be refunded $
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 submittedThese 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 websiteThese terms and conditions also outline our cancellation and refund policy, clearly
give our contact information, and explain credit bureau reportingThe customer has to click the check box agreeing to the terms and
conditions, and then click submit*** *** checked the box on August 10, stating she read and agrees to the terms and
conditionsAfter entering her personal information, *** *** entered a valid credit card number and expiration dateThe website
explains that by entering the payment information and submitting the request, the applicant understands and agrees to accept their
enrollment into Horizon Card ServicesFurthermore, they understand and agree that they will be billed a one time account validation and
card issuance fee and a regular monthly participation fee*** *** contacted Member Services on September 8, to cancel the
account and to receive a refundThe supervisor canceled the account as requested and refunded the most recent payment of $Ms
*** requested an additional refund of $for the first payment she madeThe supervisor stated she was not authorized to give the
additional refund and gave Ms*** the phone number for customer advocacy
Ms***’s account had been cancelled at her request on September 8, Her transaction of $was voided at that timeA
voided transaction is different than a refundMs***’s credit card was authorized for the amount of $on September 5,
This means the money in the amount of $was being held by her bank but not yet taken by Horizon Card ServicesSince we did not
capture the payment (take the money) we voided the transactionMs***’s bank may hold the funds for the transaction anywhere
between to daysThe length of time depends on her bank’s policyWe would be happy to send a funds release letter to Ms***’s
bank if she requests for us to do soIn addition, we have refunded $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

We are in receipt of the above referenced complaint dated 9/22/
On May 4, *** *** visited our secure web site and willingly applied for our services and completed our applicationOur
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 applicationAll applicants are required to read and agree to
these terms and conditions before their application will be processed
*** *** states in her complaint that she applied for a Horizon Card online in May of The TOS states that the card is
reported to one credit bureauShe states she steadily paid $in June, July, August and September under the assumption that it was
being reported to a credit bureauThat, however, was not the caseShe states that the credit bureau has not received any balance or open LOC
from Horizon Card ServicesShe states she checks her credit report pretty consistently and nothing has been reportedShe feels this is a
breach o f contract and not what she agreed toShe states she contacted Horizon Card Services on September 22, and requested for the
account to be canceled and a refund for the months of June, July and August
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 submittedThese 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 websiteThese terms and conditions also outline our cancellation and refund policy, clearly give our
contact information, and explain credit bureau reportingThe customer has to click the check box agreeing to the terms and conditions, and
then click submit*** *** checked the box on May 4, stating she read and agrees to the terms and conditionsAfter
entering her personal information, *** *** entered a valid credit card number and expiration dateThe website explains that by
entering the payment information and submitting the request, the applicant understands and agrees to accept their enrollment into Horizon
Card ServicesFurthermore, they understand and agree that they will be billed a one time account validation and card issuance fee and a
regular monthly participation fee*** *** did contact customer service on September 22, She immediately requested to
cancel her service due to not seeing the account reported to the credit bureauThe phone representative tried to assist the customer with the
credit reporting issue by letting her know the dates the account was reported and start the resolution processMs*** insisted that she
just wanted the account canceled and to receive a refund o f payments since June
Ms***’s account had been cancelled at her request on September 22,She had been refunded $in accordance to the
cancellation and refund policy as outlined in the terms and conditionsMs***’s account has been reported each month to one credit
bureau as stated in the terms and conditionsIf Ms*** would like for us to work with her and the credit bureau to find out what the
issue may be, she can contact me through the customer service number and I will be happy to assist her
We trust that this resolves this matter and that no further communication is needed at this time

If indeed the application was completed, it was by someone other than myselfHowever, the funds have been returned to my account so I am happy to move on from this matterA number of comments exist on the web regarding their shady business practices so I would not and do not expect them to take responsibility