Horizon Card Services

Review: I have contacted this company several times to cancel my account and get my refund. I have never used the card and do not want it. Upon calling, you are placed on hold withe first customer service representative for about 5 minutes. Once you tell them that you want to cancel the account, they tell you that only a supervisor can cancel the account. You are then transferred over to a supervisor, where you remain on hold for 15 minutes or longer. This is constant with each attempt to cancel my account. Their recording comes on asking you not to hang up as calls are answered in the order that they are received, however, extended wait times make it very difficult to continue to hold to receive service. When you hang up and call right back, the customer service representative is very quick to answer your call, but you are then faced with ridiculously long wait times. I have attempted to call them several times in a day and have run my battery down on my cell phone, forcing me to have to hang up to recharge my phone because they keep you on hold for so long. I do not want this account as I am not satisfied with it. I wish to cancel my account and receive a refund.Desired Settlement: I want a refund of the fees that they are charging me for a card that I don't use. I do not want the card and wish to cancel the card. They have all of my information because each time that you call in to the customer service representative, you have to keep giving your information. I want a refund of the fees that I have paid and I want to cancel the account.

Business

Response:

We are in receipt of the above referenced complaint dated 1/13/2014.

On December 13, 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 has contacted the company several times to cancel her account and to receive a refund.

She states she reached a phone representative who transferred her to a supervisor who can cancel the account. She states that when she

was transferred, she was on hold for 15 minutes or longer. This happened to her each time she attempted to cancel her account. A

recording comes on asking you to not hang up as calls are answered in the order that they are received, however, extended wait times

make it difficult to continue to hold to receive service. When you hang up and call back, the customer service representative is very

quick to answer but then you are transferred and faced with a ridiculously long wait time. She does not want the account and wants

refunded $24.95.

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 explains 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 13, 2013 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. Ms. [redacted] did contact us to question her account and

request a cancellation and refund. We will look into the hold time Ms. [redacted] states she encountered. The phone representative that

transferred the call followed up with a manager and had the account canceled and the $24.95 transaction voided. A voided transaction

is different than a refund. Ms. [redacted]’s credit card was authorized for the amount of $24.95 on January 10, 2014. This means the

money in the amount of $24.95 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.

Ms. [redacted]’s account has been cancelled at her request on January 13, 2014. Her payment of $24.95 has been voided in accordance

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

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

Sincerely,\

Review: Applied on the website in May of 2014 for a CC through Horizon Card Services. In their TOS it states that the card is reported to 1 credit bureau as a Line of Credit as it is not revolving. Steadily I paid 19.95 in June of 2014, July 2014, August 2014, and September of 2014 under the assumption this was being reported to my bureau (Transunion). That however was not the case. Transunion has not received any balance or open LOC from Horizon Card Services. I check my credit report pretty consistently and nothing has been reported, which in turn is a breach of contract and not what I agreed to. Today is Sept 22, 2014 and I spent a whopping 5 hours on the phone between Horizon Card Services and my credit agencies, to include my bank. After being transferred 4 times, of which 2 of them refused to accept the fact that I do not want a $1,000 line of credit and a $80.00 credit attached to it and that I wanted my card canceled and those months refunded, as they failed to provide a service, they themselves put into their TOS.Desired Settlement: I want a full refund due to lack of services provided for June, July, and August.

Business

Response:

We are in receipt of the above referenced complaint dated 9/22/2014.

On May 4, 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 a Horizon Card online in May of 2014. The TOS states that the card is

reported to one credit bureau. She states she steadily paid $19.95 in June, July, August and September 2014 under the assumption that it was

being reported to a credit bureau. That, however, was not the case. She states that the credit bureau has not received any balance or open LOC

from Horizon Card Services. She states she checks her credit report pretty consistently and nothing has been reported. She feels this is a

breach o f contract and not what she agreed to. She states she contacted Horizon Card Services on September 22, 2014 and requested for the

account to be canceled and a refund for the months of June, July and August.

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

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

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

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

then click submit. [redacted] checked the box on May 4, 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 September 22, 2014. She immediately requested to

cancel her service due to not seeing the account reported to the credit bureau. The phone representative tried to assist the customer with the

credit reporting issue by letting her know the dates the account was reported and start the resolution process. Ms. [redacted] insisted that she

just wanted the account canceled and to receive a refund o f payments since June.

Ms. [redacted]’s account had been cancelled at her request on September 22,2014. She had been refunded $19.95 in accordance to the

cancellation and refund policy as outlined in the terms and conditions. Ms. [redacted]’s account has been reported each month to one credit

bureau as stated in the terms and conditions. If Ms. [redacted] would like for us to work with her and the credit bureau to find out what the

issue may be, she can contact me through the customer service number and I will be happy to assist her.

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

Review: I received a post card in the mail from Horizon Card Services to establish credit through their credit card for I believe a $35.00 down payment. Because I did not have credit I though that would be a good deal so I sent the information and payment in to establish my credit. I was then charged $19.95 a month for their member services, which I would not have a problem with if the company actually told me I had that charge every month. I thought that the withdraw from my account was for my credit card balance payment a month, so when I paid the credit card off I realized I was still being charged the $19.95 a month. I do not think it is fair to their customers to charge them $19.95 a month when they do not tell the customer they will even be charged that for member services that I did not even receive information on. I was never told about the member services fee, and I don't feel it is proper business practice to charge someone for something they were NEVER told they were being charged for.Desired Settlement: I would like a refund due to the misleading agreement I was made. The total amount I paid for was $211.47. I ask for this refund because I was never told about the charges and I never authorized direct debit from my account for these charges.

Business

Response:

We are in receipt of the above referenced complaint dated 2/6/2014.

On March 1 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 received a post card from Horizon Card Services to establish credit for what she

believes was a $35.00 down payment. Because she did not have credit, she decided it was a good deal so she sent the information and

payment. She was then charged $19.95 each month for member services which she would not have had a problem with if she was

actually told she would have that charge each month. She states she thought the payments were for her credit card balance each month.

When she paid off her balance she realized she was still being charged $19.95 each month. She doesn’t think it is fair to be charged

$19.95 and not be told or receive information on it. Her desired settlement is a refund for the total amount she paid amounting to

$211.47.

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 11, 2013 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] had contacted our Member Services

department several times with general questions. On February 6, 2014, she contacted member Services to cancel her account. The

account was canceled as requested and a prorated refund was processed at that time.

Ms. [redacted]’s account had been cancelled on February 6, 2014. She was refunded $7.98 in accordance to the cancellation and refund

policy as outlined in the terms and conditions. We have refunded an additional $11.97 so that she has received a full refund of $19.95

for the last payment she made for the benefit package. No additional refund is due since Ms. [redacted] was made aware of the monthly

fee.

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

Sincerely,

Compliance Officer

Horizon Card Service

Consumer

Response:

I applied for a credit card not road side assistance. I don't even own a car! Also I never received any refunds for any payments that I made that includes the last one. A refund for services not wanted or needed would be fine.

Business

Response:

We are in receipt of the response from the consumer to the above referenced complaint dated 2/20/2014.

[redacted] states in her response that she applied for a credit card not roadside assistance and that she doesn’t even own a

car. She states that she also never received any refunds for any payments that she made and that include the last payment. She

states a refund for services not wanted or needed would be fine.

As a review, 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 benefit package, which contains more than just Roadside Assistance, and explain the monthly participation fee. The

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

box on March 11, 2013 stating she read and agrees to the terms and conditions. Thus, Ms. [redacted] indicated to us that she

understood there would be a monthly participation fee and she understood the services offered in the benefit package. 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.

Ms. [redacted]’s account had been cancelled on February 6, 2014 at her request. She was refunded $7.98 in accordance to the

cancellation and refund policy as outlined in the terms and conditions. We have refunded an additional $11.97 so that she has

received a full refund of $19.95 for the last payment she made for the benefit package. No additional refund is due since Ms.

[redacted] was made aware of the monthly fee. As a courtesy, we have refunded an additional $19.95. Ms. [redacted] states in her

response that she has not received any refunds. We will be more than happy to work with Ms. [redacted] and her banking

institution to find out why the issued refunds in the amounts of $7.98, $11.97, and most recently $19.95 have not been

received.

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

Sincerely,

Compliance Officer

Horizon Card Services

###-###-####

(Fax) ###-###-####

Review: Beginning in 10/2015, Horizon Card Services has begun reporting on my credit files that I opened an account with them in 1/2013 and as of 11/2013 I was 120 days late until the account was " closed" in 10/2015. I had never heard of Horizon Card Services until 10/2015. My research finds them to be a predatory company that charges $25.00 a month to its' members. I have never authorized this company to open a credit account in my name. I did have a credit breach in 2013 which required my canceling my debit and credit cards and acquiring new cards.Desired Settlement: Pay for violations of the FCRA and remove all erroneous information from my credit files.

Business

Response:

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: I paid them for a credit card with $500.00 credit line. I paid $29.00 and got a credit card for their store - Horizon - only. The card came up from a google search for a credit card. I thought a "Platinum" card was credit. The picture looks like a Platinum Visa on all their pages.I would NEVER have done this if it weren't SO MISLEADING!I am not in a good financial space and now have $30.00 less. People all over the internet say this is a scam and that you can't get in contact with the company...Please helpDesired Settlement: Full refund and no further charges

Business

Response:

We are in receipt of the above referenced complaint dated 9/8/2014.

On September 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 arc made available to all applicants prior to them completing and submitting their application. All applicants are required to read and agree to these terms and conditions before their application will be processed.

[redacted] states in his complaint that he paid for a credit card with a S500.00 credit line. He paid $29.00 and got a credit card for their store only. The card came up from a Google search for a credit card. He thought a "Platinum" card was credit. He states the picture looks like a Platinum Visa on all their pages. He states lie would have never done this if it weren’t so misleading. He states lie is not in a good financial space and is now out S30.00. He says people all over the Internet say this is a scam and that you cannot get in contact with the company. He wants a full refund and no further charges.

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 oil September 6, 2014 staling 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] has not contacted Member Services to question his account or to request a cancellation and refund.

Mr. [redacted]'s account has been cancelled at his request on September 17, 2014. He was issued a refund of $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.

Sincerely,

[redacted] Compliance Officer Horizon Card Services ###-###-#### (Fax) ###-###-####

Review: I have been billed by Horizon Card Services since October 2013. This is now April 2014. I have called to cancel this card as I do not have one nor did I ask for one. I have sent emails with no response. One time a person answered my call and when I explained my issue. the response I received from the representative was " Well, You applied for it" and they hung up. I have not been able to resolve this issue of billing 25.00 a month for a card I do not have.Desired Settlement: I would like to be refunded the amount of $175.00 and have my "account" cancelled with no further charges.

Business

Response:

We are in receipt o f the above referenced complaint dated 4/25/2014.

On September 9, 2013 [redacted] visited our secure web site and willingly applied for our services and completed our

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

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

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 has been billed by Horizon card Services since October 2013. She has

called to cancel the card as she does not have one nor did she ask for one. She states she has sent emails with no response.

One time a person answered her call and after explaining her issue the response received was “Well, you applied for it” and

they hung up. Ms. [redacted] states she has been unable to resolve this issue o f being billed $25.00 a month for a card she does

not have. She wishes to have the account canceled and to be refunded $175.00.

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

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

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

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

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

September 9, 2013 stating she read and agrees to the terms and conditions. After entering her personal information, [redacted]

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

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

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

fee and a regular monthly participation fee. [redacted] contacted us on January 3, 2014 requesting to cancel her

service. The call disconnected as she was being transferred to a supervisor who is authorized to cancel accounts and issue

refunds. We have no record o f Ms. [redacted] trying o contact us again.

Ms. Aus tin’s account has been cancelled at her request on April 25, 2014. She has been refunded $99.80 for her last four

payments o f $24.95 that have been charged since her cancelation request made on January 3, 2014. She states she has sent

emails with no response. We respond to all emails. I need to know what email address she used so we can check to see if

there are any problems with that email address.

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

Review: I was trying to work on my credit when I contacted Horizon Card Services. I was told by getting this card it will report to credit bureau as positive credit. I did understand it was not a credit card and it was only used to to buy merchandize from them. That part I did not mind. To increase my credit score was the only reason I got this card. I made that very clear to the representive I spoke with. The issue I'm having is that it has not been reported to any bureau since I had it, but they claim that it was. I tried to cancel several times but they assured me that next month it will show. It has been 5 months and still nothing. I received my credit report from my banker three days ago and we went over my reports thoroughly and found nothing from them. I requested a refund of all the monies I paid them for services they did not provide. The total amount for 5 months at 24.95 equals 124.75 I also have proof of all three reports showing that they have not reported anything but is taking my money each month claiming to have done so. I've called several times and the rep stated that they have reported which was a lie in efforts to keep me from cancelling.Desired Settlement: The total amount taken from my account $124.75 and for them to cancel my account immediately. I do not have money to throw away.

Business

Response:

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

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

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

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

these terms and conditions before their application will be processed.

[redacted] states in her complaint that she was trying to work on her credit when she contacted Horizon Card Services. She states she was

told that by getting this card, it would report to credit bureau as positive credit. She understood it was not a major credit card and it was used

only on the shopping site. She did not mind that. The reason she got the card was to increase her credit score. She states she made that clear to

the representative she spoke with. She states the issue she is having is that the account has not been reported to the bureau since she had it.

She states that when she calls, they claim it has been reporting. She has tried to cancel several times but is assured each time that it will show

the next month. It has been five months and still nothing. She states she has received all three reports and there is nothing on any o f the

reports. She has requested a refund o f five months at $24.95 per month totaling $124.75. She has proof o f all three reports showing nothing

has been reported but is taking money each month claiming to have done so. She states she has called several times and the phone

representative states they have reported in efforts to keep me from canceling. Ms [redacted] states she wants the account canceled immediately

and a refund o f $124.75.

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 February 27, 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 April 11, 2014. She had general questions at the time and had indicated she

was satisfied with the call. She contacted customer service again on May 29, 2014 to request the account be canceled. After speaking with a

supervisor, she agreed to keep the account open and active. She also updated her address and phone number at that time. The next time Ms

[redacted] contacted us was by email on July 16, 2014 and she again requested for the account to be canceled. The account was canceled and

refunded $24.95 in accordance to the cancelation and refund policy.

Ms. [redacted]’s account had been cancelled at her emailed request on July 16, 2014. She had been refunded S24.95 in accordance to the

cancellation and refund policy as outlined in the terms and conditions. Ms. [redacted]’s account has been reported each month to one credit

bureau as stated in the terms and conditions. The notes do not reflect that the issue o f the report not showing has been communicated. If Ms.

[redacted] would like for us to work with her and the credit bureau to find out what the issue may be, she can contact me through the customer

service number and I will be happy to assist her.

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

Compliance Officer

Horizon Card Services

Consumer

Response:

I have read the terms and agreement from Horizon Card Services. As far as the cancellation policy it states; Cancellation and Refund requests can be made within 30 days of your billing date by calling Member Services at ###-###-####. I called several times and the conversation did not go as it was stated in the response. I was told it takes 60 days to show on my credit bureau report when I called to cancel so I decided not to cancel and wait the 60 days. The representive assured me that it will show the following month. The next time I called the Supervisor offered to raise my limit from 750 to 1200. She also explained that by doing this the increase would look better on my report. Them the Supervisor stated that the last representive misinformed me that it is not 60 days it takes 90 days to show on my report. I believed the Supervisor.The policy also states; the Horizon Card Services™ will report your new Horizon Card Services/Horizon Outlet Account to at least one major credit bureau upon receiving positive confirmation of your identity. Per every conversation I had with customer service they are selling the fact that they will help boost your credit. That is what I purchased. Then in the terms and agreement it states The Horizon Card Services Account does not guarantee aid in building or re-building credit. The Customer Service representives are lying to people to get them to sign up. I asked alot of questions before I signed up and they sold me on helping reestablish postive credit with positive reportings. Horizons lying to customers by selling what they can not deliver, I believe that is against the law. Or is that fraud? If it's not guaranteed they should not tell people it is.This was the only reason I got the card. I didnt need any other of the services and I did not use them. I was only interested in reestablishing postive credit. That service was not provided. I am still requesting a full refund of all monies taken for services not provided. $24.95 was refunded and the balance owed me is $100. They have taken a total of $124.95.

Business

Response:

We are in receipt of the consumers response to the above referenced complaint dated 7/15/2014.

Ms. [redacted] ’s account had been cancelled at her emailed request on July 16, 2014. She had been

refunded $24.95 in accordance to the cancellation and refund policy as outlined in the terms and

conditions. As a courtesy we have refunded two more months o f service. As stated in the initial

response, Ms. [redacted]’s account has been reported each month to one credit bureau as stated in the

terms and conditions. The notes do not reflect that the issue o f the report not showing has been

communicated. If Ms. [redacted] would like for us to work with her and the credit bureau to find out

what the issue may be, she can contact me through the customer service number and I will be

happy to assist her.

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

Compliance Officer

Horizon Card Services

Review: I am thoroughly disgusted with Horizon Card Services. I have made multiple attempts to discontinue this service without success & stop the debit of $4.95 from my bank account since December 10th 2013. I have called, mailed & emailed with no resolution. I spoke to a Customer Service person & she informed me there were no records of prior calls or mail received requesting a close on the account along with a credit. What a surprise! She also informed me she would only refund the last 3 months fees totaling $14.85 & would not go back to December of 2013 when the initial request was made. The account was finally closed. Only a portion of the fees withheld were credited to my bank account.Desired Settlement: I want the additional refund of $29.70 credited back to my account.

Business

Response:

We are in receipt of the above referenced complaint dated 8/8/2014.

On November 10, 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 made multiple attempts to discontinue her service and stop the debit of $4.95 from

her bank account since December 10th 2013. She states she has called, mailed, and emailed with no resolution. She states she spoke

with a customer service person that informed her that there were no records of prior calls or mail requests to close the account and to

receive a refund. The customer service representative told her she could only refund the last three months totaling $14.85. The account

was finally closed but only a portion of the fees were credited to her bank account. She wants an additional refund of $29.70.

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 November 10, 2013 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

December 10, 2013 to cancel her service and to receive a refund. The call was transferred to a supervisor who is authorized to cancel

and refund accounts. After speaking with the supervisor, Ms. [redacted] agreed to keep the account open and active with reduced

benefits. The account was issued a prorated refund of $18.34 for the difference in the service level. There was no further contact with

Ms. [redacted] until August 1, 2014. She called again requesting to cancel her service and to receive a refund. The account was canceled

as requested and was issued a refund of $4.95 according to the cancellation and refund policy. As a courtesy, the supervisor issued a

refund for two additional months o f service.

Ms. [redacted]’s account had been cancelled at her request on August 1, 2014. She was issued a refund of $4.95 in accordance to the

cancellation and refund policy as outlined in the terms and conditions. As a courtesy she was refunded two additional moths at $4.95

per month. She was also refunded $18.34 on December 10th for the difference in service levels. Ms. [redacted] has received a total of

$33.19 in refunds. There are no additional refunds due.

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

Consumer

Response:

No, this issue was never resolved to my satisfaction. Horizon is stating it has been resolved.

Review: Horizon card services advertises and misleads the consumer to believe that they are credit card service. After realizing this, I called to cancel the service for myself and two other members and instead they continued to bill me even after I told them that we didn't receive the cards. They have no customer service abilities as they weren't even kind enough to meet me halfway. They expect me to know their in-house cancellation policy and that I had to speak with a supervisor in order to complete the cancellation.Desired Settlement: monthly fee

Business

Response:

On December 9, 2013, [redacted] visited our secure web site and willingly applied for our services and completed our application.

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

Department are made available to all applicants prior to them completing and submitting their 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 feels misled by the Horizon Card advertisement. After realizing the service was not a

major credit card, she called to cancel the service for herself and two other members. She states that even though she told Member

Services that they didn’t receive the cards she continued to be billed. She states that customer service was not willing to meet her

halfway. She states she had to speak to a supervisor in order to complete the cancellation.

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

application can be 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 December 9, 2013 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] first contacted Member Services on December

23, 2013. She let the phone representative know she did not receive her card. After verifying the customer’s address, the card was

resent. Ms. [redacted] did not contact Member Services again until September 20, 2014. She requested for the account to be canceled and

wanted to receive a refund back to the date she signed up. The account was canceled as requested with no refund due.

Ms. [redacted]’s account had been cancelled at her request on September 20, 2014. There is no refund due in accordance to the cancellation

and refund policy as outlined in the terms and conditions. We have a 30-day refund policy and the last payment Ms. [redacted] made was on

August 1, 2014.

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

Review: I got a credit card and they said I could use it online but even when I do that it wants the cvv number and expiration date bc the card dnt have an expiration date or a cvv number on it.Desired Settlement: Replace a credit card with the same amount on it ($500)

Business

Response:

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]

Review: I opened and account with this company online and after successfully completing my account I received and email and it seemed like a scam so I called immediately to cancel my account with them and told them I thought it was a scam and I was very unsatisfied. The lady kept trying to seduce me with all these deals to stay but I refused after telling her the same thing 10 more times and being transferred from supervisor to mgr. Then once my account was canceled she agreed to refund my money since the account was only open for all of 5 minutes. that was over a week and a half ago I haven't received my refund yet. I reached out the them trying to call the number but some how they have me on the blocked list (that seems real scammy to me) also I sent an email saying I didn't receive a refund and I haven't received a reply (seems scammy to me) this company is a complete scam and should not be in business at all to prey on people who are trying to build their credit and taking their money .... I am so upset and dissatisfied with being robbed for my money like this. I have the email saying they were refunding the money back to my account but what happened to the refund that never made its way back to my account that they had no problem deducting it from?Desired Settlement: I would like my refund immediately and also I would like proof that this is a fraud company so we can find a way to have them shut down immediately!

Business

Response:

We are in receipt o f the above referenced complaint dated 8/05/2014.

On July 31, 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 opened an account with this company and after successfully completing the

application she received an email. She states it seemed like a scam and so she called immediately to cancel her account. After being

transferred to a supervisor and a manager, the account was canceled. The supervisor agreed to refund her money. Ms. [redacted]

states that was over a week ago and she hasn’t received her refund yet. She states she tried calling but somehow she is on a blocked

list. She also states she sent an email but hasn’t received a response yet. She feels the company is a complete scam and should not be

in business. She has an email saying the money is being refunded but nothing has shown in her account.

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 31, 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 31, 2014 to cancel her service and to receive a refund. The call was transferred to a supervisor who is authorized to cancel and

refund accounts. The account was cancelled as requested and the payment OF S29.95 was voided.

Ms. [redacted]’s account had been cancelled at her request on July 31, 2014. Her transaction if $29.95 was voided at that time. A

voided transaction is different than a refund. Ms. [redacted]’s credit card was authorized for the amount o f $29.95 on July 31, 2014.

This means the money in the amount o f $29.95 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 o f 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. We do not block any calls from coming in to the call center. We have tested the

phone lines and they are working properly. She may experience some hold time depending on the call volume at the time she makes

her call.

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

Consumer

Response:

They're are lying and I am not satisfied with this generic response .