Horizon Card Services

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 below. Yes, 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- 12/01/2015.  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 29.99.  Regards,[redacted]

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 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.To summarize [redacted]’s complaint, he states his horizon card has a monthly fee of $24.95 that includesroadside assistance. He states he used the service on 9/2/16 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 supervisor. He states he had to have his wife bring him to work andleave his car at the gas station. He states he went back the next day and the same thing happened. He states it tookan hour on the phone with a young lady that had got roadside assistance to see his account active. [redacted] statesafter 2 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 message. He states they used his work number from the day before and heknows he gave her his cell phone number. He states the tow truck finally comes and charges him $15 extrabecause they could not reach him with the quoted price. [redacted] states he paid the gentleman $21 to get his car tothe repair shop. He 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 upon. He 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 submitted. These terms and conditions also outline our cancellation andrefund policy, clearly give our contact information, and explain credit bureau reporting. The customer has to clickthe check box agreeing to the terms and conditions, and then click submit. [redacted] checked the box onJune 7, 2016 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 thepayment information and submitting the request, the applicant understands and agrees to accept their enrollmentinto Horizon Card Services. Furthermore, they understand and agree that they will be billed a one time accountvalidation and card issuance fee and a regular monthly participation fee. The Roadside Assistance terms andconditions clearly outline our Roadside Assistance Policy. As a member, the benefit coverage begins following a5-day waiting period from date o f enrollment or reinstatement. Up to 3 service calls or towing requests up to 15miles not to exceed the operator cost o f $50.00. Additional mileage and associated towing costs will be yourresponsibility to pay at the time o f service. NO more than one towing or service call is covered within a 30-dayperiod and no more than 3 total service calls within any 12-month period. [redacted] contacted HorizonCard Services several times during the month of September 2016 in regards to using the Roadside AssistanceProgram. A representative spoke with Roadside Assistance on September 10, 2016 ensuring [redacted] wasan active customer with the Roadside Assistance Program. Several efforts were made to assist [redacted] inusing his Roadside Assistance. After 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, 2016. He has been refunded $24.95 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) ###-###-####

We are in receipt o f the above referenced complaint dated 12/7/2015.On November 13, 2015, [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 ServicesDepartment are made available to all applicants prior to them completing and submitting their application. All applicants are required toread and agree to these terms and conditions before their application will be processed.[redacted] states in her complaint that she requested a refund because the Horizon Card is a catalog card, which she does not want.She cancelled on Novembe r 25, 2015 and was told would receive a refund in 3-5 days. She states she is still waiting on her refund. Shedoes not want any further contact with the company because she feels they are not trustworthy.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 submitted. These terms and conditions clearly state this product is a line o f credit that can be used by an account holderto shop exclusively at our online shopping website. These terms and conditions also outline our cancellation and refund policy, clearlygive our contact information, and explain credit bureau reporting. The customer has to click the check box agreeing to the terms andconditions, and then click submit. [redacted] checked the box on November 13, 2015 stating she read and agrees to the terms andconditions. After entering her personal information, [redacted] entered a valid credit card number and expiration date. The websiteexplains that by entering the payment information and submitting the request, the applicant understands and agrees to accept theirenrollment into Horizon 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] contacted Horizon Card Services by phone on November 25,2015 requesting the account be canceled and refunded. The manager she spoke with canceled the account as requested and issued a fullrefund. Ms [redacted] called on December 5, 2015 to check on her refund. She was advised that it could take 3-5 business days for therefund to show back in her account.Ms. [redacted] ’ account had been cancelled at her request on November 25, 2015. The transaction in the amount o f S29.95 was refunded inaccordance to the cancellation and refund policy as outlined in the terms and conditions. Even though we process the refund the day o f therequest, it can take 3-5 business days for the refund to show back in the cus tomer’s account. If Ms. [redacted] continues to have a problemwith receiving her refund, we will be happy to work with her banking institution to resolve the issue. In addition, we have removed Ms.[redacted]’ information so she will not receive future offers from Horizon Card Services.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 2/24/2015. On February 17, 2015, [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 she applied for what she thought was a credit card with a $500 limit for a one­time charge of $29.95. She received a card and it is a member services card. The package included a note with cancellation and refund instructions that state it is simple and takes less than a minute and gives a toll free number to call. When Ms. [redacted] called, she got a rep that was reading from a script and just kept telling her about the benefits. Ms. [redacted] asked to be transferred to a supervisor who ended up doing the same thing and when a refund was requested, the supervisor stated she could not do it and she would send her to the processing department. The processing department advised Ms. [redacted] that the fee is $24.95 per month and not a one-time payment. Ms. [redacted] again asked for a refund and the rep stated he didn’t have the authority. Ms. [redacted] asked to be transferred and was put on hold. The rep came back on and stated he received permission to give her a prorated refund of $24.95. Ms [redacted] argued and told him she wanted what was promised in the mailer, a full immediate refund and cancellation. He finally agreed and said he would process an immediate refund and it would take 3-5 days to process the refund. He also gave the phone number to the customer advocacy department. Ms [redacted] called the customer advocacy department to confirm the rep did cancel her account and was given a confirmation number. The person who answered the call did not give her name and a very loud person was heard in the background yelling. Ms [redacted] states she was on the phone a total of 30 minutes. She feels this is a bait and switch scam that needs looked into. She feels these are deceptive practices. 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 17, 2015 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] did contact member services on February 23, 2015 to request a cancellation and refund. Ms. [redacted]’s account had been cancelled at her request on February 23, 2015. She was issued a refund of $29.95 in accordance to the cancellation and refund policy as outlined in the terms and conditions. We have tried to reach Ms. [redacted] by phone on February 26, 2015 to follow up on the complaint. There was no answer but a voicemail was left for Ms. [redacted]. As of today, she has not returned our call. We apologize for the difficulty Ms. [redacted] had in having a cancellation and refund processed. We have met with the call center manager to review current call handling procedures and to increase the monitoring of phone calls to ensure customers are being treated fairly. 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 10/17/2014.
On October 11, 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 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 legit. She 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 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 October 11,
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 Member Services on October 11, 2014 to ask questions about her account but did
not request a cancellation o f services. [redacted] contactcd us again on October 23, 2014 to cancel the account and to
receive a refund. The supervisor canceled the account as requested and issued a prorated refund o f SI 9.97.
Ms. [redacted]’s account had been cancelled at her request on October 23, 2014. She was issued a refund o f SI 9.97 at that time. In
addition as a courtesy, we have refunded the remaining $9.98.
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 5/8/2017.On
March 6, 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 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 22
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 $9.50 after the card was initially charging $24.95.
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
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 March 6,
2017 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 Horizon
Card Services on May 5, 2017 requesting a cancellation and refund of his
account. After 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 $24.95. As a courtesy, [redacted] was
issued an additional refund of $29.95Mr. [redacted] account has
been cancelled at his request on May 5, 2017. He has been refunded $24.95 in
accordance to the cancellation and refund policy as outlined in the terms and
conditions. And as a courtesy, an additional total of $29.95 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 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.

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 application. Our 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 application. All 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 S29.00 from her debit card as deposittowards a secured card that she never applied for. The date that she was given for the application was October 30,2015. 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 place. She states she saw complaints made by others, which to hersuggests this is a hustle. She states perhaps enough individuals do not fight for such a small amount making thehustle worth all o f the trouble on their part. However she is concerned about how they received a great deal o f herpersonal information. She simply wants the $29.00 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 submitted. These 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 website. These terms andconditions also outline our cancellation and refund policy, clearly give our contact information, and explain creditbureau reporting. The customer has to click the check box agreeing to the terms and conditions, and then clicksubmit. [redacted] checked the box on October 30, 2015 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. Thewebsite explains that by entering the payment information and submitting the request, the applicant understands andagrees to accept their enrollment into Horizon Card Services. Furthermore, 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, 2015 to request a cancellation and refund. She did stateshe was not aware o f signing up for the card. After being transferred to a supervisor who is authorised to process acancellation and refund, the account was canceled at the customer’s request and the S29.95 transaction was voided.Ms. Nor r is ’ account had been cancelled at her request on October 31, 2015. The transaction in the amount o f S29.95was voided in accordance to the cancellation and refund policy as outlined in the terms and conditions. A voidedtransaction is different than a refund. Ms. Nor r is ’ credit card was authorized for the amount o f S29.95 on October30, 2015. This means the money in the amount o f S29.95 is being held by her bank but not yet taken by HorizonCard Services. Since we did not capture the payment (take the money) we voided the transaction. Ms. [redacted]’ bankmay hold the funds for the transaction anywhere between 3 to 30 days. The length o f time depends on her bank’spolicy. We would be happy to send a funds release letter to Ms. [redacted]’ bank if she requests for us to do so. Ms.[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

We are in receipt of the above referenced complaint dated 11/19/2014.On August 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 ServicesDepartment are made available to all applicants prior to them completing and submitting their application. All applicants are requiredto read and agree to these terms and conditions before their application will be processed.[redacted] states in her complaint that she applied for a card support to have SI9.95. She states she was told that she only had topay this once if she wasn’t using the card. She states she was told it would be reported to a credit bureau. She says that another $19.95was taken the following month so she called to talk to someone about it. She says she was told it would just be $4.95 a month. Thenthe next two weeks they took $6.95 out o f her account. She states she called again and was told that it would go back to her account infive days and it has not as o f today, November 18th.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 submitted. These 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 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 theterms and conditions, and then click submit. [redacted] checked the box on August 7, 2014 stating she read and agrees to theterms and conditions. After entering her personal information, [redacted] entered a valid credit card number and expirationdate. The website explains that by entering the payment information and submitting the request, the applicant understands and agreesto accept their enrollment into Horizon Card Services. Furthermore, they understand and agree that they will be billed a one timeaccount validation and card issuance fee and a regular monthly participation fee. [redacted] first contacted member services onAugust 13, 2014 to question her account but did not request a cancellation or refund. She then contacted member services on October1st asking if she would be charged monthly. The phone representative responded that yes, she would be charged monthly. Ms.[redacted] requested to cancel the account because of the monthly fee. She was transferred to a supervisor who is authorized to cancelaccounts. After speaking with the supervisor, Ms. [redacted] agreed to keep the account open at a lower rate with a lesser benefitpackage. She was issued a partial refund at this time. She called again on October 27th with general questions. The last call from Ms.[redacted] was made on November 3 lcl and again she was requesting to cancel the account. After speaking with a supervisor, theaccount was cancelled and the most recent payment of $6.95 was voided. A voided transaction is different than a refund. Ms.[redacted]’s credit card was authorized for the amount of $6.95 on October 3 I, 2014. This means the money in the amount of $6.95was being held by her bank but not yet taken by Horizon Card Services. Since we did not capture the payment (take the money) wevoided the transaction. Ms. [redacted]’s bank may hold the funds for the transaction anywhere between 3 to 30 days. The length oftime depends on her bank’s policy. We would be happy to send a funds release letter to Ms. [redacted]’s bank if she requests for us todo so.Ms. [redacted]’s account had been cancelled at her request on November 3, 2014. We had voided her most recent transaction in theamount of $6.95. As a courtesy, we have also issued a refund in the amount of $4.95.We trust that this resolves this matter and that no further communication is needed at this time.

Re:ID [redacted]Dear [redacted]:We are in receipt of the above referenced complaint dated 12/23/2017.On December 12, 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 his complaint due to the poor business practices of Horizon Card Services he racked up 95$ in fees and states what is being done is illegal. He asks what steps are going to be taken to prevent this from happening again and when will he receive the fee money back from the fraud.Andrew states, authorization is only valid if identified as such a “term or condition” is not readily identified as an authorization as regulated by federal law. He states there would not be the same complaints over and over across the web if regulations were followed. [redacted] states that for POS transactions, the notice must be posted in a prominent and conspicuous location and a copy of the notice must be provided to the consumer at the time of the transaction requirements of an authorization. He lastly states an authorization is valid if it is readily identifiable as such and the terms of the preauthorized transfer are clear and readily understandable.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 12, 2017 stating he read and agrees to the terms and conditions. After entering his personal information in the online application, [redacted] entered a valid credit card number and expiration date. Here 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. Once the application has been submitted and the authorized payment is processed for the one time account validation and card issuance fee and regular monthly participation fee, a receipt for the authorized transactions is sent via email to the email address provided by Mr. [redacted] in his application. [redacted] contacted Horizon Card Services by telephone on December 23, 2017. After speaking with a supervisor, [redacted]’s account had been canceled at his request and refunded the initial account validation and card issuance fee and a regular monthly participation fee totaling $29.95.Mr. [redacted]’s account has been cancelled at his request on December 23, 2017. He has been refunded $29.95 in accordance to the cancellation and refund policy as outlined in the terms and conditions. Since the payment was processed with proper authorization, Horizon Card Services is not responsible for the overdraft fees.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[redacted]

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]

We are in receipt o f the above referenced complaint dated 7/1/2015.On July 1, 2015, [redacted] visited our secure web site and willingly applied for our services and completed our application. Ourfull terms and conditions outlining our product and services, our liberal refund policy, and how to...

contact our Member ServicesDepartment are made available to all applicants prior to them completing and submitting their application. All applicants are requiredto read and agree to these terms and conditions before their application will be processed.[redacted] states in her complaint that she is on a fixed income. She had applied for a Horizon Credit Card and was denied. Shestates she was never sent a Horizon Card. She says her debit card is a federal program card and Horizon deducted $6.95 from thiscard. She wants to know why she was charged, to have her money refunded, and have the debits stopped.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 submitted. These terms and conditions clearly state this product is a line o f credit that can be used by an accountholder 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 theterms and conditions, and then click submit. [redacted] checked the box on July 1, 2015 stating she read and agrees to the terms andconditions. After entering her personal information, [redacted] entered a valid credit card number and expiration date. The websiteexplains that by entering the payment information and submitting the request, the applicant understands and agrees to accept theirenrollment into Horizon Card Services. Furthermore, they understand and agree that they will be billed a one time account validationand card issuance fee and a regular monthly participation fee. [redacted] contacted Horizon Card Services by phone on July 1, 2015to request a cancellation and refund. After being transferred to a supervisor who is authorised to process a cancellation and refund, theaccount was canceled at the customer’s request and the $6.95 transaction was voided.Ms. [redacted]’s account had been cancelled at her request on July 1, 2015. The transaction in the amount o f $6.95 was voided inaccordance to the cancellation and refund policy as outlined in the terms and conditions. A voided transaction is different than arefund. Ms. [redacted]’s credit card was authorized for the amount o f $6.95 on July 1, 2015. This means the money in the amount o f $6.95is being held by her bank but not yet taken by Horizon Card Services. Since we did not capture the payment (take the money) wevoided the transaction. Ms. [redacted]’s bank may hold the funds for the transaction anywhere between 3 to 30 days. The length o f timedepends on her bank’s policy. We would be happy to send a funds release letter to Ms. [redacted]’s 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,[redacted]

We are in receipt of'the above referenced complaint dated 11/19/2015. In her complaint, Ms. [redacted] claims thatHorizon Card Services erroneously opened an account in her name. Ms. [redacted] also claims that someone hasstolen her identity.Our records indicate that [redacted] visited our secure...

web site on January 2, 2013 and willingly applied for ourservices and completed our application. The first and last name, address and Social Security number that Ms.[redacted] provided in the application all were validated as a 100% match with T r a n s Union Cre d I t Rep o r t in gAgency. The address that Ms. [redacted] provided during her Horizon Card Application is also an exact match to theaddress she provided the Revdex.com in her complaint. Additionally, we find it quite odd that Ms. [redacted] claims thatsomeone has stolen her identity and yet had the Horizon Card and merchandise she purchased shipped to the exactaddress where she resides.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 submitted. These terms and conditions also outline our cancellation andrefund policy, clearly give our contact information, and explain credit bureau reporting. The customer has to clickthe check box agreeing to the terms and conditions, and then click submit. [redacted] checked the box onJanuary 2, 2013 stating she read and agreed 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 thepayment 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 accountvalidation and card issuance fee and a regular monthly participation fee.Ms. [redacted]’s Horizon Credit Card was mailed on January 3, 2013 to the address Ms. [redacted] provided during theapplication process. This card was used to sign in to The Horizon Outlet on January 8. 2013, indicating receipt o f thecard. On January 31, 2013, Ms [redacted] made a purchase from The Horizon Outlet. She paid the required shippingand processing fee and had the item shipped to the same address as is on the account. Beginning February 2013through January 2014, monthly billing statements showing the balance due were sent to the address on file. None o fthese statements were returned undeliverable. No payments were made on the outstanding balance. From February2014 to current, the statements were emailed to Ms. [redacted]. Ms. [redacted]’s account status has been reported toTransUnion on a monthly basis since February 2013 with Equifax reporting being added September 2015. Ms.[redacted] never contacted Horizon Card Services to question her account.[redacted] did contact Horizon Card Services by mail in a letter dated October 17, 2015 and began by statingHorizon Card Services owes her a specific sum o f money for erroneously reporting to credit reporting agencies thatshe owed a balance and was 120 days late in payment. She expected either a complete deletion o f this account fromher credit files or payment in the amount o f a specified dollar amount. She requested to be contacted by October 22,2015. Ms. [redacted] was called on October 23, 2015 and a voice message was left for her. Ms. [redacted] did return thecall but was not willing to amicably discuss the situation. Ms. [redacted] abruptly disconnected the call stating she waspursuing an action in small claims court. Horizon next received a small claims order dated October 23, 2015 whichwe are fighting. Ms. [redacted] then sent a follow-up letter, dated October 27, 2015, to the prior phone conversation.She stated we refused to answer her questions and provide validation o f supposed debt. Mr. K[redacted], the owner o f thecompany, called Ms. [redacted] on November 10, 2015 and left a message requesting she return his call. As o f today,she has not returned his call nor had any further communications.Horizon Card Services has made several attempts to speak with Ms. [redacted] in regards to her complaint. If someonehas actually compromised Ms. [redacted]’s identity, we would be more than willing to assist her in resolving thismatter. Ms. [redacted] is welcome to return Mr. K[redacted]’s phone call to discuss this matter with him.We trust that this resolves this matter and that no further communication is needed at this time.Dee-ann

Review: Looked into Credit Card and declined them and they are charging me, this will continue monthly until resolved

07/29/2016 7002 Horizon Card Services Indiana Pa 1 $7.95????Desired Settlement: Please refund my money to checking account and never charge me again....this will continue monthly until resolved

Business

Response:

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 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. Allapplicants 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 declined. She states they are charging me, this willcontinue monthly until resolved 07/29/2016 7002 Horizon Card Services Indiana Pa 1 $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 submitted. These 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 website. These terms and conditions also outline our cancellation andrefund policy, clearly give our contact information, and explain credit bureau reporting. The 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 conditions. After entering her personal information, [redacted] entered a valid credit cardnumber and expiration date. The website explains that by entering the payment information and submitting the request, theapplicant understands and agrees to accept their enrollment into Horizon Card Services. Furthermore, 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, 2016. The transaction in the amount o f $7.95 was voided inaccordance to the cancellation and refund policy as outlined in the terms and conditions. A voided transaction is different than arefund. Mr. [redacted]’s credit card was authorized for the amount o f $7.95 on July 29, 2016. This means the money in the amounto f $7.95 is being held by her bank but not yet taken by Horizon Card Services. Since we did not capture the payment (take themoney) we voided the transaction. Ms [redacted]’s bank may hold the funds for the transaction anywhere between 3 to 30 days. Thelength o f time depends on her ban k ’s policy. As 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.

I just recieved my Net First Platinum card this week and was utterly confused as to why I needed to put my card number into the site in order to activate the card. Feeling like something odd was going on, I called the company. It was then, and only then that I learned that the card can only be used in their online store. The very money I was waiting on to help save my dog's life can only be used in a crappy online store. Nowhere in my application did it mention that this was what the card could only be used for. Because had I known from the start, I would have dodged this bullet. Not only that, the very insert that came in the envelope with the card that says, and I quote, "CANCELLATION - REFUND INSTRUCTIONS: Card not right for you? Not a problem. The process for cancelling and getting a full refund is simple and takes less than a minute. Call us today at (insert number here) to cancel and recieve an immediate refund!" Yeah, I was denied my $39.95. Lies all over the place, please avoid this heap of trouble.

My experience has gone good so far although I decided this card was not what I want or need at this time, I had excellent assistance with Jodi in customer service regarding cancellation of my account. She assured me she understood my concerns and would take care of reimbursement to my bank account. I had failed to read some information and didn't understand what the card actually offered. Jodi was pleasant and efficient at meeting my needs. Thank you Jodi.

They sent a card that was not used never used it and ruined my credit over a $7 activation fee

It took me 20 minutes and talking to 3 different people with the same questions to get this canceled. It is a ripoff do not sign up for this.

Review: They advertised an application for a credit card but didn't inform the consumer that it was for online shopping only, also they charged $39.95. When I called the number on my statement, they were able to locate my account. I disputed the transaction with my credit card. Then I had someone call me from Horizon Card Services in response to my dispute. I told her that I did not want the service. She asked if I had received a card, I said no. Then she stated that my account was closed. This was within 2 weeks of the charge hitting my card. Now I'm being recharged and each time I call I'm getting told that the only person who can assist me is either out to lunch, away from her desk or in an area where they can't transfer calls but yet supposedly she can call me. I have called about 10 times within an hour and keep getting the same story.Desired Settlement: I want a full refund back to my card for the $39.95 immediately.

Business

Response:

We are in receipt o f the above referenced complaint dated 9/20/2016.On July 27, 2016, [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 contactour Member Services Department are made available to all applicants prior to them completing and submitting theirapplication. All applicants are required to read and agree to these terms and conditions before their application will beprocessed.[redacted] 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 $39.95. [redacted] states when she called the number on her statement, theywere unable to locate her account. She states she disputed the transaction with her credit card. She then states she hadsomeone call her from Horizon Card Services in response to her dispute. [redacted] states she told them she did not want theservice and asked if she received the card, she said no. [redacted] states they told her the account was canceled and that waswithin 2 weeks o f the charge hitting her card. She 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. [redacted] states she has called about 10 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 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 on July27, 2016 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] did not contact Horizon Card Services regarding a cancellation andrefund of her account. We received a dispute from her financial institution in relation to the $39.95 initial fee on August22, 2016. We made an outbound call to [redacted] and spoke on the subject of the dispute on August 31, 2016. Ms.[redacted] contacted Horizon Card Services in regards to the dispute on September 20, 2016 and her phone call was returnedwithin one hour.Ms [redacted]’s account has been cancelled at her request on August 22, 2016 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[redacted]Compliance Officer

Review: I HAVE CALLED 3 MONTHS IN A ROW TO CANCEL MY SERVICE WITH THEM. THEY HAVE NOT CANCELLED THE CARD, AND CONTINUE TO DEDUCT THE MONTHLY FEE. IM TIRED OF PAYING FOR SOMETHING I DONT USE.Desired Settlement: I WOULD LIKE THE LAST 3 MONTHS OF FEES REFUNDED TO MY ACCOUNT AND THE CARD CANCELLED.

Business

Response:

We are in receipt o f the above referenced complaint dated 7/14/2016.On December 22, 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 contactour Member Services Department are made available to all applicants prior to them completing and submitting theirapplication. All applicants are required to read and agree to these terms and conditions before their application will beprocessed.[redacted] states in his complaint he called 3 months in a row to cancel his service with them. He states they have notcanceled the card and continue to deduct monthly fees. He states he is tired o f paying for something he does not use. Mr.[redacted] states he would like the last 3 months o f fees refunded to his account and the card canceled.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 onDecember 22, 2014 stating he read and agrees to the terms and conditions. After entering his personal information. Ronald[redacted] entered a valid credit card number and expiration date. The website explains that by entering the paymentinformation and submitting the request, the applicant understands and agrees to accept their enrollment into Horizon CardServices. Furthermore, they understand and agree that they will be billed a one time account validation and card issuancefee and a regular monthly participation fee. [redacted] did not contact Horizon Card Services regarding a cancellation tohis account.Mr. Hess' account has been cancelled at his request on July 18, 2016. He has been refunded $19.95 in accordance to thecancellation and refund policy as outlined in the terms and conditions. As a courtesy, we have refunded Mr. [redacted] anadditional $19.95.We trust that this resolves this matter and that no further communication is needed at this time.Sincerely,Dee-ann B[redacted]Compliance Officer