Public Mediation

First USA Data Services-Dispute-#8505619

T. F. vs. First Usa Data Services
1642 Hammocks Ave, Lutz, Florida, 33549, United States
Amount Involved: $695.00
    • Status: In Negotiation
      This claim has posted for public comment and negotiation. It will remain posted until resolved to the claimant's satisfaction. Suggest a resolution to help these parties reach a settlement.
    • View response from: First Usa Data Services
    • Claimant Seeks: View.
    • Claim #: 8505619
    • Amount Involved: 695.00
    • Filed On: Aug 01, 2013
    • Posted On: Aug 12, 2013
    • Complaint(s):
      • Problem with a product
      • Bad business practices
      • Customer service runarounds
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Statement of Claim
Complaints Involved (3) - View
Claimant says:
"On April 24, 2013 Mr. Todd Meyers from First USA Data Services (FUSA) contacted me stating that he had access to my credit card accounts, the amounts I owed, and that he could assist me in lowering my interest rate and my monthly payments with a signature loan or to refinance my existing debt with a much lower interest rate to improve my credit score. After several discussions with Mr. Meyers, he sent me the “Client Information” sheet. I noticed that there was a $695 fee on the form had already been charged to my Discover card without my permission. Upon seeing this, I called Mr. Meyers to ask him why this amount was charged to one of my credit cards without him discussing it with me first. He stated that he took it upon himself to charge my Discover card because he wanted to include the amount in the signature loan he was getting for me. When I expressed some apprehension about this, he assured me by stating, “I’m only trying to help you secure a loan to improve credit, and you should have the check in about two weeks.” The Disclaimer stated: “FUSA WILL ONLY IMPLEMENT THE SERVICES THAT ARE NEEDED TO ACHIEVE INTEREST RSTE REDUCTION ON YOUR EXISTING CREDIT CARDS OR INSTALLMENT LOANS NOT ALL SERVICES MAY BE NEEDED. I UNDERSTAND THAT IF FUSA DOES REDUCE MY EXISTING INTEREST RATE BY RATE REDUCTION, BALANCE TRANSFERS, OR NEW CREDIT IN THE FORM OF CREDIT CARDS, SIGNATURE LOAN OR REFINANCING, OF MY EXISTING DEBT I WILL RECEIVE A FULL OR PARTIAL REFUND.”
On 04 29/2013, I signed the document, and returned it including my Bank Statements, and Income Tax Returns to FUSA, thinking that Mr. Meyers was sincere in helping me to refinance the amount on my credit cards to improve my credit score. Mr. Meyers sent me a “budget” he created to review my “debt to income ratio.” This budget revealed that my monthly debt to income was 24%, which he said was good because it was below the average standard of 37%.
After two weeks had passed and not hearing from Mr. Meyers, I called to find out about the status of the loan. For the entire month of May, I only got the run-a-round from Mr. Meyers, excuses, and him not returning my calls. I then called Discover and told them that I never received the services that were promised for the $695 that was charged to my account. Discover reversed the charges and assured me that they will investigate the charges. On 06/18/2013, I received a “Refund Request Form From” from FUSA, which I signed and returned the form to FUSA with the expectation of getting the charges completely reversed since I never receive the services promised.
On 07/30/2013 I noticed that the $695 was charged back to my Discover card. After speaking with a representative from Discover, I was told that FUSA was only willing to refund me $195 because I signed the “Refund Request Form,” and although I never receive the services promised, Discover couldn’t do anything further about the charges because in signing the document, I agreed to “accept a full or partial refund.” I was also advised to contact the Better Business Bureau who might be able to assist me in resolving this matter in getting a full refund.
This leaves me to believe that FUSA has set up their company as a SCAM to prey on vulnerable people who want to improve their credit standing. Instead of getting the financial assistance I agreed to, by signing FUSA’s documents, I’m left in a deeper financial hole, with an additional debt of $695, without receiving the “interest rate reduction on my credit card or installment loan” that was promised.
"
...
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Additional Communication Between Claimant and First Usa Data Services Hide
  • Aug 12, 2013, Claiming party added:

  • RESPONSE TO MYERS’ STATEMENT 08/09/2013
    In response to Mr. Meyers’ statement: “Her initial information provided was not the same as she stated it once we received her financial information by fax…” It appears that Mr. Meyers changes his story every time he speaks. As a matter of fact, Mr. Meyers pulled my “Credit Report,” which we discussed BEFORE he requested my financial documents, and he was fully aware of my Fico Score of 630. We discussed that there were two months of late payments (June and July 2012) on my Ford credit. There were no other late payments, and I was paying much more than the minimum payments on my credit cards. When I told Mr. Meyers this, he insisted I shouldn’t worry about that because he was “sure I could get a a Signature Loan to consolidate your credit cards with a LOWER INTEREST RATE within two to three weeks, of signing the Agreement.” Due to his persuasive tactics, I was talked into signing their Agreement because I thought he could actually get the Signature Loan in the time frame he promised. To reiterate, Mr. Meyers sent me a “budget” he created to review my “debt to income ratio” AFTER he received my financial documents. The budget HE created revealed that my monthly debt to income was 24%, which he said was good because my ratio was below the average standard of 37%. Mr. Meyers told me that I would receive a Signature Loan “within two weeks” from the date we discussed the budget he forwarded to me. I expected to have the process completed the latest by the end of May, of which he was fully aware.
    After two weeks had passed and not hearing from Mr. Meyers, I called to find out about the status of the loan. For the entire month of May, I only got the run-a-round from Mr. Meyers, excuses, and him not returning my calls. Now he’s saying, “Our program runs for a full year and we will reactivate her account and work to provide her with the tools and funding opportunities to meet the objectives in our written contract. Our Refund Request Form opens up a case to determine how much money is to be refunded. She has pursued other remedies to have all her money returned to her so this venue does not give either party a permanent resolution.”
    The fact is, we never discussed anything about getting a Signature Loan in a year because I would have paid off my credit cards by that time. My goal was to lower the interest rate for me to pay my debt off even sooner. So for Mr. Meyers to now make the statement that their “program runs for a full year and we will reactivate her account and work to provide her with the tools and funding opportunities to meet the objectives in our written contract…” is ridiculous, and was never discussed. Moreover, his response to Discover card states, “CREDIT REPAIR STARTED WITH REVIEW, CREDIT PULL, BUDGET, AND CANCELLATION OF DOCUMENTS FOR LOAN APPLICATION. CLIENT WANTED TO CANCEL AFTER ALL THE WORK HAD BEEN COMPLETED PRIOR TO LOAN. WE SENT A REFUND REQUEST FORM AND HAVE REVIEWED AND THE CLIENT IS DUE $195 REFUND BASED ON THE TERMS AND CONDITIONS. PLEASE REJECT CHARGE BACK.”
    To reiterate, the Agreement states, “… IF FUSA DOES REDUCE MY EXISTING INTEREST EXPENSE BY RATE REDUCTION, BALANCE TRANSFERS OR… SIGNATURE LOAN TO THE REFINANCING OF MY EXISTING DEBT I WILL RECEIVE A FULL OR PARTIAL REFUND BASED ON ACTUAL WORK COMPLETED.” The fact is that I did not receive any “interest rate reduction or signature loan” in the time frame that was promised. Mr. Meyers was fully aware of the time constraints and what I wanted to do, which was the reason for my agreeing to use his services to get a signature loan within the two to three weeks after the Agreement was signed. He willfully and deliberately misled me into believing he could secure a Signature Loan within two weeks. Now he’s claiming that “CLIENT WANTED TO CANCEL AFTER ALL THE WORK HAD BEEN COMPLETED PRIOR TO LOAN.” If he had fulfilled the terms as agreed in the contract, returned my calls or provided me with a Signature Loan within the timeframe he promised, I would not have cancelled or requested my money back.
    I challenge FUSA and Mr. Meyers to fully disclose the names of 20 clients, on the People Claim site, who have successfully received “INTEREST EXPENSE BY RATE REDUCTION, BALANCE TRANSFERS OR… SIGNATURE LOAN TO THE REFINANCING OF… EXISTING DEBT…,” in the last six months of 2013. Otherwise, it is my belief that FUSA has a habit of SCAMMING its victims $695 for completing “REVIEW, CREDIT PULL, BUDGET…” which is the process of getting the transaction completed, and not for actually securing “interest rate reduction or a Signature Loan to refinance existing debt.” It was not stated anywhere in the Agreement that clients will be charged for “REVIEW, CREDIT PULL, and BUDGET.” It was my understanding, that the phrase “for actual services completed” implies that the party seeking help would have received an “interest rate reduction or a Signature Loan to refinance existing debt.”
    In all good conscience FUSA should refund the full amount of $695to my Discover Card because he did not fulfill the Agreement as promised. I now believe that FUSA does not practice good business ethics, but prey on vulnerable people. Moreover, I’m not willing to wait a year for Mr. Meyers to get me a Signature loan because I don’t believe he has any means or the intention to follow through with his promises after he takes $695 from vulnerable people’s Credit Cards.

What Claimant Wants Hide
1. Refund: $695 Charged to my Discover Card Account to reduce existing interest expense by rate reductionbalance transfers, or new credi in the form of credit cards, signature loan or the refinancing of my existing debt. Aug 15, 2013 $695.00
2. Other – Copy claim to regulators Aug 15, 2013 $14.99
3. Other – Pay for claim posting cost Aug 15, 2013 $7.99
4. Other – Physical delivery charges Aug 15, 2013 $2.99
Cash total : $720.97
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Respondent's Counteroffer Hide
The claimant's settlement terms were rejected with the following explanation:
  • I disagree with the explanation / grounds provided

    "Credit Repair and Rate Negotiations take time. Her initial information provided was not the same as she stated it once we received her financial information by fax Our program runs for a full year and we will reactivate her account and work to provide her with the tools and funding opportunities to meet the objectives in our written contract. Our Refund Request Form opens up a case to determine how much money is to be refunded. She has pursued other remedies to have all her money returned to her so this venue does not give either party a permanent resolution. Once again, depending on the clients financial situation it may take up to a year to provide a better score and rate reduction. Concerning her allegation that it appears we are a scam she did not authorize payment, we have a recorded authorization allowing us to do the work and charge for services. We also have a signed Contract with her. The agreement was signed on 4/29/2013 and faxed to our office on the 29th as well. Her card was charged for services on 4/30/2013. We will complete the work for the client or discuss with her a partial refund for services rendered to date. "

This claim will remain posted until resolved.

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  • Contributed Solution: by Respondent On 10-23-2018
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    The claimant is paid in full. Please show this is resolved. Thank you.
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Is this a fair resolution?
  • Comment: by taffy6162 — Online mediator
    • On: 12-18-2014
    View more
  • I EXPERIENCED THE SAME THING WITH THIS FIRM. MY RIP-OFF HAPPENED IN 2012 AND WAS NEVER RESOLVED. I WAS OUT THE SAME AMOUNT OF MONEY TOO. IT AMAZES ME THAT THIS FIRM HASN'T BEEN SHUT DOWN AND THAT MR MEYERS CONTINUES TO PREY UPON HONEST, HARD WORKING PEOPLE WHO HAVE GOTTEN THEMSELVES IN A FINANCIAL BIND, AND ARE THEREFORE VULNERABLE TO ANY SOLUTIONS A FIRM LIKE THIS OFFERS. STAY AWAY FROM THEM!!
  • Comment: by Julie Buehner — Online mediator
    • On: 01-28-2014
    View more
  • I have had a very similar experience with this company. I'm no better off after having signed their contract on September 10, 2012. I have received nothing but a lot of talk about what they will do. I've not had any results after all this time. One MAJOR problem with this company is their lack of communication!! They don't return phone calls, or keep their phone appointments. I have had to be on the phone constantly calling them to find out why nothing has been done. When I wanted my money back, I was told it was going straight to the accounting department for processing. I never have heard a word from them since. This has been going on for well over a year. I've been ill a lot, and I feel I was taken advantage of and ignored completely most of the time.
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