1) Reports include apparently automatic monthly ACH charges, starting in April, consistent with a cramming scam. 2) 3 complaints report charges were made to accounts of the elderly, consistent with a predatory fraudulent telemarketing racket.. 3) No one reports any knowledge of how they got their account number. 4) No reports of any actual telemarketing calls connected with the charges, although the 3 elder fraud complaints suggest that fraudulent telemarketing is probably part of the scheme. This may be consistent with a fraudulent telemarketer illegally buying consumer account information for making fraudulent charges, either with or without "authorization" pretext calls.
Other complaints.
Amounts and targetting the elderly are consistent with a fraudulent "medical discount" cramming scam. Again, reports people don't know how they got their account numbers, promises to refund in a few days, apparently just to string out the consumer past the dispute period.
https://complaintwire.org/complaint/hW8p45FgmgU/splendor-concepts "... Tony 4 Jun 2012 My mother also got scammed from the company known as Splendor Concepts. While going over her monthly checking statements I found that they've withdrawn $254.00 in the month of April and $30.00 in the month of May from her account. When I called to find out what was going on, they told me they would credit her account within 5 to 10 business days. That was April 4, 2012. Since then not only did they not credit her account, but they proceeded to withdraw $ 30.00 for the month of May. I'm not sure what can be done about this !!!!! Now they won't even answer their phone. ..."
BBB shows a Splendor Concepts, rated "F", that is supposedly a "mortgage broker". Although that appears to be an unrelated business, the BBB file was opened 2-15-12, consistent with these recent complaints.
Dispute all fraudulent charges directly through your bank, and close the account or block the card number to prevent additional fraud.
Do NOT bother disputing through the "merchant" as they are running a fraudulent charging scam, and will use excuses to delay bank fraud disputes.
Follow up with a written dispute or fraud affidavit, sent to your bank's dispute address from your statement, or to their fraud department.
Your bank can reverse charges if you dispute promptly, generally within 60 days of the statement date of the statement showing the disputed charge, under FRB Reg. E or FCBA.
File bank theft and fraud complaints with FTC, your state Attorney General, and the Illinois Attorney General.
That number matches their BBB report, and their website.
Was that number reported either on caller id, or on your bank statement in connection with a charge?
0
andy
| 1 reply
I am a representative for splendor concepts , furthermore I would like to clarify that this is not a scam , we are a legitimate online business and we have already helped thousands if not more people save on their mortgages, with our patented mortgage minder system. I apologize for those of you that have had errors or any inconveniences while dealing with us. While there may still be some kinks or glitches on our website , this does not make us crooks or a scam. Just because we are a small start up company people assume the worse, this kind of thinking makes me sick, and sad at the ignorance of the people of our great nation. Furthermore if you look at some of our most trusted and respected retailers such as wal-mart, home depot, sears , target , you'll be hard pressed not to find MANY complaints , or even those of you yourselves , that have had unpleasantries dealing with such companies. For those of you looking to reach us we can be reached at 1-866-775-4392 and we will be happy to assist u with any questions , comments , or inquiries you might have thank you .
You are accumulating numerous consumer complaints of unauthorized and fraudulent charges, both from people finding your charges when reviewing the accounts of elderly relatives, and others finding them against their own accounts when they have not ordered anything from you, and don't even know who you are. These complaints have occurred within a very short time, mostly the last couple months, and appear to be increasing in rate, suggesting that you have ramped up your activities.
Your excuse that large companies have lots of complaints doesn't hold up, considering they are far larger than you, have far more actual customers, and that their complaints do not generally report significant levels of unauthorized charges, while yours are entirely complaints of unauthorized charges, with a substantial number of complaints suggesting targeting the elderly. In short, your complaint profile does not match those of large well known retailers.
1) Are you selling your product through outsourced telemarketing, possibly incentivized to pad or fake sales? 2) If so, what call lists is your telemarketer using, with what characteristics? Are they using call lists likely to include a preponderance of older consumers? What is the name of your telemarketer? 3) You are reported to be primarily charging checking accounts, with a report of using ACH charges, and few if any reports of credit card charge. What payment processor are you using? 4) What is your physical address (not mail drop/mail forwarder)? 5) Who are the owners of the company? 6) In what state is it incorporated, who is the agent for service of process, and what is their address?
0
Cynthia S
| 1 reply
I just got through speaking to "Andy" representative at this scam (see his bs comment below). Their thieving withdrawal attempt to this particular account created an NSF fee (thankfully, there wasn't any money in it; nor did my credit union pay it as a courtesy to me). I inquired as to what it was for - they said 'Splendor' and gave me the phone# (866-775-4392). So I called, Andy answered, Splendor Concepts how can I help you? I told him my account had been debited from them and I haven't purchased anything from them, never heard of this place, and asked him what sort of business this was. He answered that it was an 'Online Book Company'. I replied I don't know anything about this, and he asked 'you haven't ordered any books?' I said no. He asked me my name - I gave him my first & last name. He put me on hold for just a brief moment, came back on & said 'ok, the order has been canceled, it'll take 2 business days to correct back to your bank. He was almost going to hang up & I said - 'wait, I got an NSF fee for this, I need to have some sort of confirmation # and your name as my bank may want to call you'. He said Andy, & gave me a #. I asked how did this happen; I need to know if someone has my bank info and if I need to cancel my account... He said, Someone went to make a payment and their bank numbers were closely similar to yours- just an error. I thought ok, and thanked him & hung up. Then I realized - - how could he possibly have been able to determine that in a few moments? How could he have looked this up with just my name when I never ordered anything? I called back, acted vulnerable still - asked what his website was - he gave it to me. Then I said I thought you were an Online Book Company - I'm on your website now & it says The Mortgage Minder System, there are no "books" like an online book company- just a mortgage minder system you can purchase. He said, "Well we are a book company, this is just our newest promotion." I told him I also had this website up and have read all the fraud complaints and allegations - He said, yeah.. I saw that too, this was just a simple error- happens all the time, if you were to buy - - I cut him off right then & told him I don't know what type of bs you are operating, but I'm filing fraud reports on you. His message posted below HAH! what a crock! There is no mention, link, advertising, or support for this outfit on their site from wal-mart,home depot, sears, or target as he so brazenly writes! And this moron writes: "While there may still be some kinks or glitches on our website , this does not make us crooks or a scam" - - what sort of kink or glitch illegally steals money out of peoples private accounts? It's called, in your OWN WORDS ANDY - CROOKS - SCAM!!! And guess what punk? The Deputy D.A. just walked off the elevator where I work. Yeah - I know him first name basis. I encourage EVERYONE who has been ripped of from this creep & his company to file fraud dispute immediately with your bank, print these postings & screen shot of their website, file a report with the FTC, your state AG, OCC, and the Illinois AG as TJ notes above. As well, advise any family or friends you may have who are attorneys/law enforcement - or if you work with them. HE has the NERVE to spit out as if their small new company made a mere boo boo and 'the ignorance of people in this great nation.' CRIMINAL PSYCHOPATH. hey Andy... enjoy your many years in prison creep. YOU & your kind are what's wrong with this great nation punk.Reply !
"He said, Someone went to make a payment and their bank numbers were closely similar to yours- just an error. I thought ok, and thanked him & hung up. Then I realized - - how could he possibly have been able to determine that in a few moments? How could he have looked this up with just my name when I never ordered anything?"
Indeed, if this was true, he would not already have your name in his system.
They are showing too many consumer complaints of unauthorized charges to be consistent with "keying errors". Regardless of promises, do not depend on them to refund unauthorized charges.
File a fraud dispute through your bank, and block the card number (if debit or credit card), or have your bank shut down the account if they had your full checking account and routing number.
Follow up with a fraud affidavit sent to your bank's fraud department, to document your dispute in accordance with FRB Reg. E.
0
Ralph Combs
We also have been billed from this company and have never heard of them or done business with them. Or given them or anyone pemission to draw on our account We are turning the complaint over to the Attorney General and BBB all so. .Plus our bank is taking care of it . Sounds like they have been scamming people for a long time. Please let all your friends know about this company so they can watch out for them.
Comments
https://complaintwire.org/complaint/NYpVy7tpngU/splendor-concepts-webpayment
1) Reports include apparently automatic monthly ACH charges, starting in April, consistent with a cramming scam.
2) 3 complaints report charges were made to accounts of the elderly, consistent with a predatory fraudulent telemarketing racket..
3) No one reports any knowledge of how they got their account number.
4) No reports of any actual telemarketing calls connected with the charges, although the 3 elder fraud complaints suggest that fraudulent telemarketing is probably part of the scheme. This may be consistent with a fraudulent telemarketer illegally buying consumer account information for making fraudulent charges, either with or without "authorization" pretext calls.
Other complaints.
Amounts and targetting the elderly are consistent with a fraudulent "medical discount" cramming scam.
Again, reports people don't know how they got their account numbers, promises to refund in a few days, apparently just to string out the consumer past the dispute period.
https://complaintwire.org/complaint/hW8p45FgmgU/splendor-concepts
"...
Tony
4 Jun 2012
My mother also got scammed from the company known as Splendor Concepts. While going over her monthly checking statements I found that they've withdrawn $254.00 in the month of April and $30.00 in the month of May from her account. When I called to find out what was going on, they told me they would credit her account within 5 to 10 business days. That was April 4, 2012. Since then not only did they not credit her account, but they proceeded to withdraw $ 30.00 for the month of May. I'm not sure what can be done about this !!!!! Now they won't even answer their phone.
..."
BBB shows a Splendor Concepts, rated "F", that is supposedly a "mortgage broker".
Although that appears to be an unrelated business, the BBB file was opened 2-15-12, consistent with these recent complaints.
http://www.bbb.org/chicago/business-reviews/m ... ago-il-88490259
Dispute all fraudulent charges directly through your bank, and close the account or block the card number to prevent additional fraud.
Do NOT bother disputing through the "merchant" as they are running a fraudulent charging scam, and will use excuses to delay bank fraud disputes.
Follow up with a written dispute or fraud affidavit, sent to your bank's dispute address from your statement, or to their fraud department.
Your bank can reverse charges if you dispute promptly, generally within 60 days of the statement date of the statement showing the disputed charge, under FRB Reg. E or FCBA.
File bank theft and fraud complaints with FTC, your state Attorney General, and the Illinois Attorney General.
Was that number reported either on caller id, or on your bank statement in connection with a charge?
we are a legitimate online business and we have already helped thousands if not more people save on their mortgages, with our patented mortgage minder system. I apologize for those of you that have had errors or any inconveniences while dealing with us. While there may still be some kinks or glitches on our website , this does not make us crooks or a scam. Just because we are a small start up company people assume the worse, this kind of thinking makes me sick, and sad at the ignorance of the people of our great nation. Furthermore if you look at some of our most trusted and respected retailers such as wal-mart,
home depot, sears , target , you'll be hard pressed not to find MANY complaints , or even those of you yourselves , that have had unpleasantries dealing with such companies. For those of you looking to reach us we can be reached at 1-866-775-4392 and we will be happy to assist u with any questions , comments , or inquiries you might have thank you .
Your excuse that large companies have lots of complaints doesn't hold up, considering they are far larger than you, have far more actual customers, and that their complaints do not generally report significant levels of unauthorized charges, while yours are entirely complaints of unauthorized charges, with a substantial number of complaints suggesting targeting the elderly. In short, your complaint profile does not match those of large well known retailers.
1) Are you selling your product through outsourced telemarketing, possibly incentivized to pad or fake sales?
2) If so, what call lists is your telemarketer using, with what characteristics?
Are they using call lists likely to include a preponderance of older consumers?
What is the name of your telemarketer?
3) You are reported to be primarily charging checking accounts, with a report of using ACH charges, and few if any reports of credit card charge. What payment processor are you using?
4) What is your physical address (not mail drop/mail forwarder)?
5) Who are the owners of the company?
6) In what state is it incorporated, who is the agent for service of process, and what is their address?
Indeed, if this was true, he would not already have your name in his system.
They are showing too many consumer complaints of unauthorized charges to be consistent with "keying errors". Regardless of promises, do not depend on them to refund unauthorized charges.
File a fraud dispute through your bank, and block the card number (if debit or credit card), or have your bank shut down the account if they had your full checking account and routing number.
Follow up with a fraud affidavit sent to your bank's fraud department, to document your dispute in accordance with FRB Reg. E.