Horizon Card Services

Review: I canceled my membership WAY BEFORE THE 30 DAYS I WAS TOLD MY REFUND WOULD BE IN MY ACCOUNT WITHIN 72HRS THAT WAS THE 15TH OF AUG STILL NO REFUND I CALL THEM TO FIND OUT WHATS GOING ON CLEARLY THEY ARE VERY RULE SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANYDesired Settlement: I WOULD LIKE A REFUND AND PAIN AND SUFFERING I HAVE KIDS BUT I KNOW THAT cant be done so I would just like a refund

Business

Response:

We are in receipt of the above referenced complaint dated 8/20/2013.

On August 6, 2013 [redacted] visited our secure web site and willingly applied for our services and completed

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

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

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

be processed.

[redacted] states in her complaint that she canceled her membership way before the thirty days. She states she

was told her refund would be in her account within 72 hours and that was on the 15th of August. She still has no refund.

She states she called to find out what is going on and was treated rudely. She states something needs to be done with

this company. She would like to receive her refund.

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

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

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

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

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

[redacted] checked the box on August 6, 2013 stating she read and agrees to the terms and conditions. Ms.

[redacted] contacted us on August 15, 2013 requesting to cancel her account. The account was canceled as requested and

a refund in the amount of $29.95 was processed. It can take 3-5 business days for a customer to see the refund in their

bank account. Ms. [redacted] will see the refund in her bank account between August 20 and August 22, 2013.

Ms. [redacted]’s account was cancelled at her request on August 15, 2013. The initial payment totaling $29.95 was

refunded at that time. We will also be looking in to how her call was handled by the customer service representatives.

We apologize that they were rude to Ms. [redacted].

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

Review: I applied online for what I thought was a credit card with a $500 limit for a one time $29.95 fee. I received the card and it is a member services card with no expiration date. It included a note that specifically stated "CANCELLATION - REFUND INSTRUCTIONS, Not the right card for you? Not a problem. The process for canceling and getting a full refund is simple and takes less than a minute. Call us today at ###-###-#### to cancel and receive an immediate refund!"

When I called I got a rep named Ashley that was reading from a script and just kept telling me all about my member benefits. I asked to be transferred to a supervisor Emily, who did the same thing and when I asked for a refund she said she could not do it and she would send me to the processing department where I spoke with Joey who told me that the fee was $24.95 per month, not a one time payment and I asked for a refund and he said he did not have that authority. I asked to be transferred and he put me on hold and then came back and said he got permission to give me a prorated refund of $24.95. I argued again and told him that I wanted what was promised in the mailer with the card, A FULL IMMEDIATE REFUND AND CANCELLATION. He finally agreed and said he would issue an immediate refund and it would take my bank 3-5 days to process the refund. He also gave me the number for his advocacy department ###-###-####. I called that number to confirm that he did indeed cancel and was given reference number of 335-361. This woman did not give her name and I heard a very loud person in the background yelling, Yes, we got one!, then Yes, we got two! I was on the phone a total of 30 minutes. I feel like this is a bait and switch scam that needs to be looked into. Some people may have just accepted their "Prorated refund" too afraid to argue. These are deceptive practices. and now these people have all my information and my social security card. Please help stop them.Desired Settlement: I would like to see this company change their deceptive practices. I would like to see this company shut down. I would also like a number to their corporate offices.

Business

Response:

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.

Review: I obtain a horizon gold card in the beginning of 2013 and never used the card once and I have tried countless times to cancel to no avail, ive talked to over 7 different customer service agents and as we come down to the end of the closing process they all seem to disconnect the phone conversation and I have been forced into keeping this card. Futhermore the card is hurting my credit score and im not allowed to cancel it or get a refund, the whole company is a scam and its a ponzi scam and the company should have to refund all my money from the beginning and be closed down for prepertraiting a company.they never have any items in stock and you can never hold more than a 3 minute conversation with one of there reps because they will just hang up on you.Desired Settlement: I would like my start up cost back, and extra for damages to my credit report of the last two years.

Business

Response:

Dear David Baker:We are in receipt of the above referenced complaint dated 12/24/2014.On February 11, 2013, [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 his complaint that he obtained a Horizon Gold Card in the beginning of 2013 and never used the card once.He states he has tried countless times to cancel to no avail. He states he spoke with over 7 different agents and when the call gets tothe closing process, the calls all seem to disconnect. He feels lie is forced into keeping this card. Furthermore, he states that the card ishurting his credit score and he cannot cancel it or receive a refund. He feels that the whole company is a scam and he should berefunded all his money. He states there is never have anything in stock and you can never hold more than a three-minute conversationbecause they just hang up on you. He would like to be compensated $750.00 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 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 February 11, 2013 stating he read and agrees to theterms 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 toaccept their enrollment into 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. [redacted] has not contacted Member Services toquestion his account or to request a cancellation and refund.Mr. [redacted]’s account has been cancelled at his request on December 30, 2014. There is no refund due in accordance to thecancellation and refund policy as outlined in the terms and conditions. Mr. [redacted] 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.

Review: This credit card company offered me a 500.00 credit line with their "Merit Platinum Card," and I received a confirmation email from [redacted] on 8/10/2014 at 4:39pm, which welcomed me and confirmed my acceptance. My credit card ending in [redacted] was charged 14.95 on 8/14/2014. My credit card was further charged 14.95 on 9/5/2014. As per their cancellation and refund policy, "Cancellation and Refund requests can be made within 30 days of your purchase. After thirty (30) days, cancelled accounts are not offered any type of refund."On 9/9/2014, I spent hours cancelling this card and attempting to be refunded. Their customer service reps can't cancel any cards and spend the entire time trying to convince you to keep the card. After having to be very assertive, I was finally transferred (after an extended hold time) to "[redacted]" the "Supervisor." After hearing the same thing over again, she finally agreed to cancel my card. However, she would only credit me the 14.95 from 9/5/2014 and not the other 14.95 from 8/14/2014. I explained that I was within the thirty (30) days, but she said only the owner of the company/her manager could refund that amount. I was told to call another number and speak to the owner. In the interim, I received an email from the owner asking if I was 100% satisfied and I replied via email that I was not satisfied and wanted my 14.95 credited back.I didn't have time to place yet another call to this company, but emailed the owner yet again asking for a refund. I never received a response.Desired Settlement: I would like my 14.95 refunded back to my card.

Business

Response:

We are in receipt o f the above referenced complaint dated 9/27/2014.

On August 10, 2014, [redacted] visited our secure web site and willingly applied for our services and completed our application. Our

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

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

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

[redacted] states in her complaint that on August 10, 2014 she was offered a $500.00 credit line. After her application was processed

she received a confirmation email. Her credit card was charged $14.95 at that time. She was then further charged $14.95 on September 5,

2014. On September 9, 2014 she spent hours canceling the card and attempting to be refunded. The customer service representative who

answered the call was not able to process the cancellation and refund and so she was transferred to a supervisor. The supervisor would

only refund the $14.95 from September 5th even though Ms [redacted] explained that it is within the thirty days of the first payment too. The

supervisor told her she was not authorized to refund the other amount and gave her another phone number to call. Ms [redacted] states she

does not have time to make another call. She did send an email but has of yet to receive a response. She wishes to be refunded $14.95.

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

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

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

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

conditions, and then click submit. [redacted] checked the box on August 10, 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 September 8, 2014 to cancel the

account and to receive a refund. The supervisor canceled the account as requested and refunded the most recent payment of $14.95. Ms.

[redacted] requested an additional refund of $14.95 for the first payment she made. The supervisor stated she was not authorized to give the

additional refund and gave Ms. [redacted] the phone number for customer advocacy.

Ms. [redacted]’s account had been cancelled at her request on September 8, 2014. Her transaction of $14.95 was voided at that time. A

voided transaction is different than a refund. Ms. [redacted]’s credit card was authorized for the amount of $14.95 on September 5, 2014.

This means the money in the amount of $14.95 was 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. Ms. [redacted]’s 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]’s

bank if she requests for us to do so. In addition, we have refunded $14.95 in accordance to the cancellation and refund policy as outlined

in the terms and conditions.

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

Review: I do not have direct contact with credit-hawk.com. However, I maintain a website/business datahawk.net. Several people over the course of a year - perhaps as many as 12 have e-mailed me with complaints. The issue stems from them being auto-charged for $24.95, and believing I am the company charging them. Their credit bill often states "Data Hawk", but sometimes also says "Credit Hawk". The location is Indiana, PA. I am based in Maryland. Further, I don't auto-charge anything and don't sell anything for this price. I have been directing these individuals to call their banks etc, but the frequency of these contacts is increasing every month. Can someone please stop Credit-Hawk from using an alternate name on their charges? Also, I don't think these customers ever signed up for the credit monitoring service, but that is an issue for them to take up.Thank you.Desired Settlement: I would like to be notified when Credit-Hawk.com changes their practices and something is done about the matter.

Business

Response:

We are in receipt of the above referenced complaint dated 7/2/2014.

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

Mr. [redacted] states he does not have direct contact with Credit Hawk. However, he maintains a website/business datahawk.net. Over

the course of a year, several people have emailed him with complaints. These people believe Mr. [redacted]’ company is responsible for

their accounts being auto charged. Their statements often state Data Hawk but sometimes also say Credit Hawk. Mr. [redacted] has been

directing these individuals to call their banks but the frequency of these contacts is increasing. He desired settlement is to have Credit

Hawk stop using an alternate name on their charges.

Customers sign up for Credit Hawk on our website credit-hawk.com. This site contains our mailing address and contact phone

number. After the customer enters their personal information, they enter a valid credit card number and expiration date. The website

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

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

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

Credit Hawk. At the end of the seven say trial period, the customer understands that their credit/debit card will be charged on a

monthly basis unless they call the provided toll free number to cancel their membership in Credit Hawk. Our application process also

requires the customer to click on a check box to confirm that the customer agrees to the terms and conditions before they can move on

to the authentication process. These terms and conditions clearly outline our cancellation and refund policy. The terms clearly state

that the customer may terminate their enrollment at any time by calling the toll free number that appears on the web site and on the

emails that they receive from us. If for some reason they do not have access to a phone, they may terminate by writing us at the given

address. They may not cancel via email and so an email is not provided.

To eliminate the confusion for the customers, we have taken steps to change what shows up on the customers’ bank statements. They

will no longer see Data Hawk.

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

Review: I have never done business with Horizon Card Services or any of its affiliates. I do not want to do business with Horizon Card Services or any of its affiliates. I have never given my permission for Horizon Card Services or any of its affiliates to contact me. I am receiving unsolicited emails from Horizon Card Services and its affiliates.Desired Settlement: I want all communication with Horizon Card Services and its affiliates. My email should be removed from all mailing lists. The source of these mailing lists should be informed that they do not have my permission to distribute my information.

Business

Response:

We are in receipt of the above referenced complaint dated 10/21/2013.

[redacted] states in his complaint that he has not done business with Horizon Card Services

or any of its affiliates. He has never given his permission for Horizon Card Services or any of its

affiliates to contact him. He is receiving unsolicited emails from Horizon Card Services and its

affiliates. He wants all communication with Horizon Card Services and its affiliates to stop. He

requests his email to be removed from all mailing lists and all Horizon affiliates be informed to do

to do the same.

Mr. [redacted]’s information had been added to our suppression lists May of this year, which are

also distributed to all our affiliates. Mr. [redacted] should not be receiving unsolicited emails

from Horizon Card Services or any of its affiliates to [redacted] @ [redacted], the email provided in

his Revdex.com complaint. T have tried contacting Mr. [redacted] by phone at the number provided in

the complaint but there is no answer and no way to leave a message requesting he return my call. I

would like to be forwarded the most recent communication he has received so we may find the

source and ensure this is stopped.

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

Compliance Officer

Review: This company has been taking money out of my bank account and I do not appreciate it. I am most certainly not authorizing horizon card services to take any money out of my bank account what so ever. You guys have been taking money through my debit card, and it needs to stop. I want you to no longer charge me AND REFUND MY MONEY! This company owes me two charges of $19.99. Don't let this happen again.Desired Settlement: All I want is the two payments of $19.95 back in my account where it belongs and I don't want to be charged by this company again. I have no idea who you people are and I don't even use what ever service you offer. Refund my money.

Business

Response:

October 30, 2013

Dear [redacted]:

We are in receipt of the above referenced complaint dated 10/16/2013.

On August 7, 2013 [redacted] visited our secure web site and willingly applied for our services and completed our

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

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

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

be processed.

[redacted] states in her complaint that Horizon Card Services has been taking money from her account and she does

not appreciate it. She is not authorizing for money to be taken out of her bank account through her debit card and she

wants it to stop. She wishes to no longer be charged and to be refunded two charges of $19.95.

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

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

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

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

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

[redacted] checked the box on August 7, 2013 stating she read and agrees to the terms and conditions. Ms.

[redacted], with her bank on the line, called member services on October 17, 2013 claiming fraud. Account verification

was made and all information was correct. The account was canceled and a refund of $19.95 was issued and processed.

The phone representative offered to mail a fraud affidavit and Ms. [redacted] declined.

Ms. [redacted]’ account was cancelled at her request on October 17, 2013. She was refunded $19.95 in accordance to the

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

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

Sincerely,

Compliance Officer

Horizon Card Services

Review: I I was charge a fee from an online shopping site that I never gave my account number to. When I asked what their establishment was they continued to ask for my social security number and asddress. And offered to send me thru to a supervisor, that never came they just put me on hold again, so I closed my account at my bank. My account info must have been stolen from either my student loan payment where I paid by using my [redacted]Desired Settlement: Fraud should be brought on these people and their website shut down, Every complaint on their website has tom do with Fraud and a creditcard people never ordered.

Business

Response:

We are in receipt of the above referenced complaint dated 11/04/2013. On November 1, 2013 [redacted] visited our secure web site and willingly applied for our services and completed our application. Our full terms and conditions outlining our product and services, our liberal refund policy, and how to contact our Member Services Department are made available to all applicants prior to them completing and submitting their application. All applicants are required to read and agree to these terms and conditions before their application will be processed. [redacted] states in her complaint that she was charged from an online shopping site that she never gave her account number to. When she asked for information on the establishment, they continued to ask for her social security number and address. They offered to send her through to a supervisor but they never came on. She was just put on hold again so she closed her account at her bank. She feels her account information must have been stolen from either her student loan payment or Amazon. She wants to be refunded $29.95 and the company shut down due to fraud. 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 November 1, 2013 stating she read and agrees to the terms and conditions. Ms [redacted] spoke with customer service on November 1, 2013. Customer service is required to verify the account holder’s identity before giving out any information concerning the account. Two attempts were made to transfer Ms. [redacted] to a supervisor and each time the call disconnected. A supervisor called Ms. [redacted] that same day. Ms [redacted] told the supervisor that she never submitted the online application and she feels her information was stolen from her student loans. The supervisor advised that we would cancel the account and void the $29.95 transaction. The call disconnected before the supervisor could close the call. Ms. [redacted]’s account was cancelled at her request on November 1, 2013. Her payment of $29.95 was voided in accordance to the cancellation and refund policy as outlined in the terms and conditions. We trust that this resolves this matter and that no further communication is needed at this time.

Sincerely,

Compliance Officer Horizon Card Services

Horizon Card Services allowed the use of my stolen credit card number to be used with another person's name

Review: I am on a fixed income. I applied for a horizon credit card and was denied. I was never sent a card from them.

my debit card is a federal program card. horizon took $6.95 off my debit card. I want to know why. I also want my money refunded to me. I also want them to stop taking money off my card.

Business

Response:

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]

Review: They advertised as a credit card such as capital one even when I called them and asked them to explain why they were taking 29.95 out of my account when my other credit cards do not do that. I got the card and have found out it is for online shopping which I never do. No where did it say it was that type of card or I would never have applied. Now they are saying they will take 19.99 a month out of my account automatically for this card. I do not wish for this to happen and wish to cancel the card immediately. I particularly also want my 29.95 back in my account because of false advertising. I am highly upset over this whole thing and the fact that when I called them no one still did not explain that the purpose of this card was for shopping on their site and not and actual credit card I may use generally. If you can please help me with this blatant false advertising please .Desired Settlement: I would just like all money they have taken out of my account replaced and my account with them cancelled immediately.

Business

Response:

We are in receipt o f the above referenced complaint dated 7/15/2014.

On July 10, 2014 [redacted] visited our secure web site and willingly applied for our services and completed our application.

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

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

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

[redacted] states in her complaint that the credit card was advertised to be a major credit card. Even when she called for an

explanation as to why she was charged $29.95 when her other credit cards do not do that. She received the card and found out it is for

online shopping which she never does. She states that nowhere did it say it was that type o f card or she would never have applied.

Now she states she was told there would be $19.99 a month taken out of her account automatically for the card. She does not wish for

this to happen and wants to cancel the card immediately. She wants a refund o f $29.95 because o f false advertising. She is highly

upset over the whole thing especially that no one explained to her the purpose of the card was online shopping only and not a general

use card. She wants the account canceled and refunded immediately.

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 July 10, 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] did contact customer service on July 10,

2014. She requested to cancel the monthly benefits but keep the card. The phone representative advised her that we would have to

cancel the card also. Ms. [redacted] then called our customer advocacy department with the same request. Ms. [redacted] was given a

reduced benefit package and she indicated she was satisfied with the results o f the call. Ms. [redacted] then called again on July 16, 2014

and requested for the account to be canceled. The account was canceled as requested and a full refund o f $29.95 was issued in

accordance to the cancellation and refund policy.

Ms. [redacted]’s account had been cancelled at her request on July 16, 2014. She had been refunded $29.95 in accordance to the

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

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

Review: the horizon credit card is a scam. I thought it was a credit card that will help me improve my credit. I apply for the card on 10/11/2014 it decline and it took out for my next check on 10/24/14. I gotten the approval and the member ship on 10/24/14 and I tryed to look and see how it works and it wouldnt let me go onto the main website for horizon outlet. then I gotten the card on 10/31/2014. its not a real credit card. it has the wrong expieration date and also it doesn't say if its a visa or mastercard. I want out of this scam and want my money back and my information deleted from there system. please please help me get justice.Desired Settlement: I will like a refund on how much they tooken out of my bank and I will like all my information deleted from their system.

Business

Response:

We are in receipt of the above referenced complaint dated 10/31/2014.

On October 24, 2014, [redacted] visited our secure web site and willingly applied for our services and completed our

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

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

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

[redacted] states in her complaint that she applied for the card thinking it was a credit card to help her improve her credit.

She applied for the card on October 1 1, 2014 and it declined. It then came out of her next check on October 24, 2014. She

received the approval and membership on October 24lh. She tried to look at the horizon outlet to see how it works and it

wouldn’t let her in. Then she received the card on October 3 I, 2014 and found it did not have a Visa or MasterCard on it. She

states she wants out of the scam and to receive her money back. She also wants her information deleted from the system.

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 October 1 1,

2014 stating she read and agrees to the terms and conditions. After entering her personal information, [redacted] entered a

valid credit card number and expiration date. The website explains that by 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. The card did decline on October 1 l lh but Ms. [redacted] was given the opportunity to enter a dale she would like

the application to be resubmitted. She entered her next check date of October 24th. She also chose to enroll in a lesser

membership package with a lower monthly fee. [redacted] did not contact member services to question her account or to

request a cancellation and refund.

Ms. [redacted]’s account has been cancelled at her request on November 3, 2014. She has been issued a refund of S6.95.

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

Sincerely,

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID 10290812, and find that this resolution is satisfactory to me.

Review: Horizon card services did not advertise what type of credit card they were offering until my information was put in. Then and only then did the fine print show up on my screen telling me that the card was only worth anything when used in their stores. Not only that but I was told that it would only cost my 4.95 to secure this card and once they had my debit card information the fine print was visible saying that they would also be charging me 29.95, which would have been fine if this was a real credit card and they were actually a part of the Revdex.com. I cancelled the order, but horizon has tried two more times to pull the amounts off my debit card, unsuccessfully, and they keep trying to bill me for a card I did not want and have not received. The advertising for this card is deceiving and their practices seem somewhat criminal to me.Desired Settlement: I want to make sure that they will not continue to try and charge my debit card for the amounts of 4.95 and 29.95. The true nature of the product they are advertising should be boldly stated and printed, and pricing in clear view.

Business

Response:

We are in receipt o f the above referenced complaint dated 6/16/2014.

On June 6, 2014 [redacted] visited our secure web site and willingly applied for our services and completed our

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

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

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

be processed.

[redacted] states in her complaint that Horizon Card did not advertise what type o f card was being offered until she

entered her information. That is when she found out it is to be used exclusively on the Horizon Outlet. She states the fee

o f $29.95 would have been fine if she was receiving a major credit card. She states she canceled the order but two more

attempts were made to charge her debit card. She feels the advertising for the card is deceiving. She wants to make sure

there will not be any additional attempts to charge her card.

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 June 6, 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] did not contact our

Member Services Department.

Ms. [redacted] ’ was not able to successfully create a Horizon Gold Card account. There will not be any further attempts to

process a transaction on Ms. [redacted] debit card.

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

Review: I was forced to sign up with this company in order to receive some service from another company. I forgot about the cancelation period for a couple of days, and then a blizzard hit St. Louis (where I live) and I have been stuck in a hotel for 3 days, unable to call to cancel this "service". I was billed today, 1-6-14, for $24.95 and from my billing statement was able to find the number to call. Their website does not give any information- it only provides a PO Box, with out a zip code, and one 1-888 number to call. No email, customer contact forms, nothing. I called the number and spoke with a young woman in their call center. I explained the situation and she said that she could cancel my service (after trying to explain why I really didn't want to cancel) but there would be no refund. I stated that as their payment system goes forward (you pay at the begining of the term for the next month's use) and I had just been charged, and I was obviously not going to be using the service I needed a refund. She stated that I should just use the service for the next month then, because she was not going to give me a refund. I asked to speak to her manager. She didn't respond for a few seconds, then said "the manager isn't going to give you a refund either." I said that I would still like to discuss it with the manager. The girl audibly huffed into the phone, waited several more seconds, and then said "fine" and transfered me. The "manager" was no better. She just kept repeating that there was no way that they would give me a refund, even though they had just charged me the money less than an hour prior. I asked to speak with their accounting department or with her supervisor and she stated that she was not going to do that. She kept stating that she had canceled my account and that my issue was resolved, even though I said that it was not. She then hung up on me. Their 'terms and conditions' states that they will not prorate refunds, but it doesn't say refunds are not given.Desired Settlement: All I am asking for is my $25.95 to be refunded.

Business

Response:

We are in receipt of the above referenced complaint dated 1/6,2014. This letter responds to (he complaint filed by [redacted] against Credit Hawk. Ms. [redacted] states she was forced to sign up with Credit Hawk in order to receive service from another company. She forgot about the cancellation period for a couple of days and then bad weather hit her area and she has been stuck in a hotel for three days, unable to call to cancel the service. She was billed $24.95 on January 6,2014 and she was able to locate a number to call on her billing statement. She states the website only gives a mailing address and toll free number to call. There is no email or customer contact forms. She called and spoke 10 customer service and explained her situation, The representative explained she could cancel the service but there would be no refund. Ms [redacted] stated that she was at the beginning of the term and would not be using the service due to the cancellation. The phone representative advised Ms. Branch that the policy is no refunds. Ms. [redacted] requested too speak to a supervisor. The supervisor also would not issue a refund. Ms. [redacted] asked to speak with someone else and the supervisor advised her that the account was canceled and it was taken care of. Ms. [redacted] stales she was hung up on. She states the terms and conditions state that they will not prorate refunds but it doesn’t say refunds are not given. Our application process requires the customer to click on a check box to confirm that the customer agrees to the terms and conditions before they can move on to the authentication process.. These terms and conditions clearly outline our cancellation and refund policy. The terms clearly state that the customer may terminate their enrollment at any time by calling the toll free number that appears on the web site and on the emails that they receive from us. If for some reason they do not have access to a phone, they may terminate by writing us at the given address. They may not cancel via email and so an email is not provided. The terms and conditions also state we do not provide prorated refunds. In addition, we will not issue a refund for any service in which allows the customer to access the service following the completion of the transaction. [redacted] checked the box on November 30, 2013 stating she read and agrees to the terms and conditions. After entering her personal information, [redacted] Branch entered a valid credit card number and expiration date. The website explains that by checking the box and clicking on the “Authenticate” button, the customer understands that we will not be charging the credit card today. We will however simply pre-authorize and place a hold on the card for $1.00 which will give the customer immediate access to their three bureau credit report and their three free credit scores. This action begins the trial membership with Credit Hawk, At the end of the seven say trial period, the customer understands that their credit/debit card will be charged on a monthly basis unless they call the provided toll free number to cancel their membership in Credit Hawk. There are no foes or penalties if you decide to cancel during the free trial period. Ms. [redacted]’s account had been cancelled at her request on January 6, 2014. Her payment of $24.95 has been voided due to the cancellation. V/e trust that this resolves this matter and that no other communication is needed at this time.

Review: I asked for a refund because this is NOT a real credit card. This is a catalog card that I do not want. cancelled on 11/25/2015 told I would receive a refund in 5-5 days. Still waiting for the refund.Desired Settlement: Don't ever want contact from them again as their company is not trustworthy.

Business

Response:

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.

Consumer

Response:

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]

Review: I've noticed this card services is not legit. I'm scared it will intefinteintefer with my good credit and I want my refund asap.Desired Settlement: 29.95 I paid to get the card

Business

Response:

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.

Review: This company Horizon card services actively took my personal information (bank),issued me a invalided card, stating that I canceled this card which was a big lie..they did it once they found out I was African American. They have not refunded my money, and they have all my banking information..misleading advertisement state that the card would work anywhere.Desired Settlement: I need my refund back and credit for damages due to racist comments from customer services representative.

Business

Response:

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

On June 9, 2014 [redacted] visited our secure web site and willingly applied for our services and completed our

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

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

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

be processed.

[redacted] states in his complaint that Horizon Card Services actively took his personal information and issued him an

invalided card. He states he was told that he had canceled the card, which he states was a big lie. He states he was not

refunded his money and they have all his banking information. He feels the advertisement is misleading and that it

states that the card would work anywhere.

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 June 9, 2014 stating he read and agrees to the terms and conditions. After entering his

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

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

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

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

his account on June 18, 2014. As the phone representative was explaining the services, the call disconnected. We made

attempts to contact Mr. [redacted] by phone and email with no success. The account was canceled and refunded at

management’s discretion.

Mr. [redacted]s account had been cancelled at management’s discretion on June 20, 2014. He was refunded the full

amount o f $29.95. Due to processing time, it can take up to three business days for a customer to see the refund in their

bank account.

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

Review: I signed up with this company as a chance to build credit.The company did not make it clear that the card would only be able to be used on the one website. Upon the sign up the company stated there would be a one time charge of $29.95 to avaoid the credit check. I did not ever recieve that fee instead I was charged two seprate charges. The first one was $39.94 and the second was $150.00 on the same day from a third party company. This was before I even recieved the card in the mail. I called the customer service line and explained my situation , they proceeded to tell me they never charged me either charge, only the $29.95 was charged to my account. They refused to take accountabilty and passed me off from agent to agent to tell me the same thing. The customer service is TERRIBLE!!!Desired Settlement: I would like the entire $189.94 credited back to my account. Also I think they should have to make it more clear on their website what this credit card is not to avoid more people going through the headache.

Business

Response:

We are in receipt o f the above referenced complaint dated 4/14/2014.

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

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

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

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

[redacted] states in her complaint that she signed up with this company as a chance to build credit. She states it was not clear that

the card would only able to be used on the one website. Upon the sign up, the company stated that there would be a one-time charge of

$29.95. She states she never received that fee but was charged a fee of $34.94 and $150.00 on the same day from a third party company.

This was even before she received the card in the mail. She called the customer service line and explained her situation. She was told that

only the $29.95 was charged. She says they refused to take accountability and was passed from agent to agent just to be told the same

thing. Ms. [redacted] would like the entire $189.94 credited back to her account. She also feels the website should be more clear what the

credit card is.

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 April 7, 2014 stating she read and agrees to the terms and

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

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

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

card issuance fee and a regular monthly participation fee. [redacted] contacted us on April 14, 2014 asking why she was charged

$184.00. The representative advised Ms. [redacted] that the only fee is $29.95. Ms. [redacted] then requested to cancel her service. She

was transferred to a manger that is authorized to process a cancelation and issue refunds. Ms. [redacted] again mentioned she was charged

$189.00. The manager requested she fax in the bank statement showing that Horizon Card Services did this fee. Our records only show a

charge for $29.95. The account w'as canceled and a refund processed for the $29.95. Ms. [redacted] w'anted to speak with someone else

concerning the $184 and $34.95 fees. The supervisor she was transferred to again explained the only fee was for $29.95 and we would

need to see a statement showing the other two charges. Ms. [redacted] refused to send the statement. She was advised of the cancellation

of the account and the full refund of $29.95.

Ms. [redacted]’s account had been cancelled at her request on April 14, 2014. She was refunded $29.95 in accordance to the cancellation

and refund policy as outlined in the terms and conditions. There arc no additional transactions to be refunded.

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

Review: This company is a fruad. I filled out the form but I never submitted the information. When I got to the end of the application I realized that this was not for a credit card but for some kind of store card. Therefore I never sent it in. They are now taking money out of my account without authorization. I never received a card nor did I give them permission to debit funds from my account. This is clearly a scam.Desired Settlement: I want the funds put back into my account and have all debits from this company stopped. I have contacted the attorney general as well.

Business

Response:

We are in receipt o f the above referenced complaint dated 7/31/2013.

On July 19, 2013 [redacted] visited our secure web site and willingly applied for our services and completed our

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

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

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

be processed.

[redacted] states in his complaint that he filled out the form but never submitted the information. When he got to

the end o f the application, he realized it is not for a major credit card but for a store card. Therefore, he never sent it in.

He states there is now money being taken out o f his account without his authorization. He never received a card nor did

he give permission for a debit from his account. He feels this is a scam.

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 July 19, 2013 stating he read and agrees to the terms and conditions. Mr. [redacted]

never contacted concerning his account. His card was processed and mailed on July 22, 2013. The card was returned to

us on August 6, 2013. We tried contacting Mr. [redacted] by phone and email concerning his card being returned to us.

We received no response and canceled his account on August 8, 2013. A full refund in the amount o f $29.95 was

processed at that time.

Mr. [redacted]’s account was cancelled on August 8, 2013. The initial payment totaling $29.95 was refunded at that time.

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

Review: I found out on my last credit card statement that I have been charged nearly every month since November 2015. I thought it was an application fee but turns out it is a recurring monthly fee. I have never used the plan nor need to since I have the services already from other sources.

I want all charges refunded and membership cancelled.

I have an automatic payment on my credit card and usually never use their website.

The membership card number is [redacted].

Please cancel this account.Desired Settlement: I want the account closed and no further charges to my Visa card. Also, I want all monies charged to my Visa account refunded.

Business

Response:

We are in receipt o f the above referenced complaint dated 3/3 1/2016.On October 10, 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 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 she found out on her last credit card statement that she was charged nearly everymonth since Novembe r 2015. She stated she thought it w as an application fee and turned out to be a monthly fee. Shestates she never used the plan and she has services through another service. [redacted] Gros se states she has an automaticpayment on her credit card and usually never uses their site. She wants to be refunded all her money back and for theaccount to be 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 onOctober 10. 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 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 cancellationto her account.Ms [redacted] 's account has been cancelled at her request on March 31. 2016. She has been refunded $19.95 in accordance tothe cancellation and refund policy as outlined in the terms and conditions. As a courtesy, we have refunded Ms [redacted] anadditional S 19.95.We trust that this resolves this matter and that no further communication is needed at this time.Compliance Officer0