Horizon Gold / Horizon Card Services

I was going to try to get this card but I just read reviews on this card and I will not be any longer. It does payoff to read all fine print on anything you ever sign or accept in any kind of case like this or anything period thanks to you guys reviews I just missed out on this horrible bad opportunity card that I thought was something that may actually benefit me and my family well know we know that this was never the attention of the card company if it even does exsist.

I've done some research on this card. Like some of the bloggers on here have said if you read the terms it does say that it is not a visa or mastercard. Lets be honest most of us never read the fine print . This deceptive company is counting on most of us not reading all the details. Which is our own fault. HOWEVER it is misleading because it says it reports to the 3 major credit bureaus as most major credit cards do SO there is an attempt to be deceptive. If they were a reputable company they would state on their postcard in big bold letters 'NOT A VISA OR MASTERCARD" that would solve the problem of people complaining. If the postcard was upfront from the start then people wouldn't have a gripe but like I said they are hoping we don't read all the terms. The company is obviously not an honest reputable company. Makes you wonder how some people sleep at night. But for all the people who have been scammed just take a little comfort in knowing that what comes around goes around...at some point these scamming bloodsuckers will get theres. Negative energy and knowing that you are trying to scam people on a daily basis is not a good way to make your living.

Whoever these people are on here that say this isn't a scam are ###ed. I was scammed out of $60 dollars by these @$$holes. What happened to me was, I opened my mail box one day and there was a postcard telling me I was promised a $5000.00 credit line, all I had to do was apply online. That was IT on the card. No fine print, no terms and conditions, NOTHING. I went to the website listed on the card, where it told me to pay a one time $79.99 charge in exchange for the credit line. Well I had a lot of bills to pay so it seemed like a fair deal. When I recieved the card, I realized I had been scammed. It was not a Visa or Mastercard like I had expected. It told me to go to thehorizonoutlet.com to use my credit line. I thought, damn, I cant use it to buy food or gas or pay bills. Oh well, at least I can buy diapers and other things I need for the baby online. But Nooooo...they don't have anything like that there. They have ugly, unwanted and obsolete products for 'sale', probably another company's garbage. Again, I thought, Damn. Well, I did see ONE product I wanted out of the whole website...a crappy hair straightener, which price was 29.99. I thought, well, at least I can get something I want. When I went to the checkout, it wanted a CREDIT CARD to pay for the s&h(which was $16.00)! They wouldn't just deduct it from my $5000 'credit line'. I then realized for sure this company had no credit to extend to me, even on the website. They only money those scam artists had was that of the people conned into paying for the card. I wasn't going to be fooled again into giving them more money! I called them up and they told me they had charged me $99.99, not the $79.99 I agreed to. I demanded my money back, they told me the most they could give me was $40.00 back. At least I got that much back, others were probably not so lucky. Now if that doesn't sound like a scam to you, I sincerely hope you get a catscan soon to make sure you don't have brain damage.

DO NOT DO BUSINESS WITH THIS COMPANY AND FOR MILLIE TO SAY IT ISN'T A SCAM. GIVE HER THAT BUT THE CUSTOMER SERVICE IS NOT BAD BUT WHAT IS A WORD UNDERNEATH THAT... THAT IS WHAT IT IS...HERE IS MY EMAIL TO THE GENERAL MANAGER AFTER CANCELING.
My first mistake was not reading the terms and that is on me. But then I took the protocols in order to cancel my membership. Instead of simply canceling my membership when I asked. I was refunded a partial and giving a 100 dollar voucher. I wasn't happy and if the tape can be replayed back over the uncertity ivoice will be heard. I accepted it but I ask the woman can I get my whole refund if I wasn't happy. I called to day and spoke to Dan to cancel. He was trying hard to keep me and when I didn't buy into the 500 dollar increase and wanted my money. After he say that he couldn't get me to stay. He went all 70's slogan with the "Aint no thing but a chicken wing." First of all I will filing a report with BBB on the grounds that he was being prejudice. I don't think he says that and I don't use that language on a day to day basis. He showed poor customer service and I am going to see how far I can take this because it was poor judgement on his part. I was professional about my accounter with him but sly remarks trying to speak the lingo that was significently tied to certain black actors and actresses would say in the 70's and early 80's. I am a single mother and work fulltime in the company have moved my way up. I am also putting myself through school. I don't try to let my race nor gender be my reasons for always using the should've, could've or would've syndrome. So he shouldn't have diluted my character based on that. Also customer service means that the even if it isn't true the customer is always right. If he was finding me difficult he should've just canceled or let another person took my call. I have winesses that heard my arguement. Then after he read my confirmation number he is going to say you are no longer or customer so whatever. I will have this posted with my BBB and [redacted].

I just wanted to say I'm thankful I found this web-site because I too was also an "idiot" Like the real Idiot said previously. If you read all the terms and conditions, it does say it is not a visa, or "real credit card" not in those words and it does say it's for use on only their web page. I also tried to find the web page to check out what they had and I couldn't find any such page. It's true though you should never have to pay to get a credit card. It's like those scams of winning a lottery in a country where you never bought a lottery ticket or visited!

Thanks for everyones comments because I almost did it myself.

I contacted the customer service department with the same complaint, they are charging my checking account 14.95 a month for services and I haven't even seen my card. I received an e-mail with a customer service number to reach the company, and here it is for those of you who would like to talk to a real representative.
( Please contact our Member Services at toll free 1.800.251.6144 for immediate
assistance.)
Maybe you will all get some relief! Good Luck.

you shouldn't have to put in your credit card or check card information to receive a credit card and also you should look to see if there is a logo on the card in the first place a sure clue it will not useful to you..

You people are idiots thats why you read the terms and conditions and disclaimers before signing up for a credit card...

I bought a horizon gold credit card,but can't use it. Because no website to put in card number in www.horizonoutlet.com and no other payment space for a credit card has only a card number. You have to put in a security code and expiration date too. It also has no logo. I tried to use it at a pharmacy too and it wouldn't work.

Beware people!

Marcsha garcia.

Well, don't be too hard on the person calling this a scam. I got a card in the mail saying to sign up online and it says on the damn card CREDIT CARD-so... They are lying to a certain extent.

"Thank you for your time."

Promise $500 unsecured Credit Card with no credit check. Must pay $89.95 Application Fee and card is guaranteed. When you get card, it is not a "Major Credit Card"! No visa, MC,or anything else on back. No exp.or pin. Just a number that is good at their website for services that I already have: Towing service, some Rx program, and some crap.

They say it is a card to help you get your credit score up! But that is not the emphasis when they are selling the card to you!

REFUND MY MONEY BACK ON MY VISA, ITS NOT THE CARD I WANTED.

Not what i thought I was getting, not worth the money I paid for the credit card.

I also signed up for this card. There is nothing on their website I would even consider buying. They only report to one credit bureau and if you don't use their credit line then it negatively affects your credit rating. Beware this is a scam!

give me my 29.95 back this crap is ###ed and rediculous the crap for sale isnt even worth the time or my money...!

I take back my previous posting. Brian Trowbridge and Hallmark are a bunch of [censored] - they ripped me off and stole my money. Trowbridge comes across like a nice whitey lawyer but he is really just a slimeball who misleads anyone he talks to. I am sorry I ever met him and his crooked bank, Hallmark.

I don't even know how i got signed up for this company all I know is I started seeing charges from them and I didn't even have the card!When I called to cancel the card they kept trying to tell me that I'd visited the sight and a bunch of other bull...they finally refunded me my $44.90, but get this, turned around and charged me again! When I called back a few days later, they were requesting a copy of my BANK statement to prove that they recharged me and refused to refund my money b/c "their computer" didn't show a charge. I told them in no uncertain terms that they could kiss my black a**, and they hadn't heard the last of me...TOTAL SCAM!

Hallmark Bank and Trust Ltd and Brian Trowbridge have absolutely nothing to do with the other rip-off Hallmarks and also have nothing to do with the Horizon Gold Card. These postings are slander. Do your research before you post!

Customer Service Number is... [protected]. They're persistent... but just keep telling them you want to cancel NO MATTER WHAT... you'll win. It's true, you will lose your money because they wont give you a refund for whatever reason, just accept it, cut your losses... BUT JUST GET OUT!

Horizon Gold
They totally misrepresented themselves.
I was mislead into thinking this was a real credit card. I charged the $79.95 fee
I lookeds up this piece of ### company it i owned by...taaaadsaaaaaaaa
RIP OFF Horizon Gold card

Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos...

Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]

Hallmark Bank & Trust Ltd.
PO Box 325 Station 'A'
Etobicoke Ontario
Canada M9C 4V3

and... they are listed under...taaaa daaaaaa
fake banks

Directory of Fake Banks
http://www.scamfraudalert.com/f133/directory-fake-banks-1132/
Hallmark Bank NA
Hallmark Finance http://www.hallmark-online.com
Hallmark Trust Finance
Hallmark Trust Finance Bank

I am calling the Internet Crime Complaint Center run by the FBI

Hallmark Bank is owned by...
Brian F. J. Trowbridge — Piece of ### UK lawyer
btrowbridge@hallmarktrust.tc

www.swannlaw.tc
pmck@swannlaw.tc
Telephone: [protected]
Facsimile: [protected]
Cell Phone: [protected]
http://www.swannlaw.tc/attorneys.html

I have a dispute about the way, they got my bank to refund them, 29. 95 out my account, and then first commerce in Tallahassee :), also deduct 29.99, and mame it so bad, saying they had proof, with all my information, which I never finish application, somehow the bank tool my money, I can't first commerce credit union, would go against customer, then claim I authorize and bank print out the informatio, , and mailing it out to me, and horizon has all my information, never apply online and apply for a horizon credit card, not it a scam to get people to apply and dont had a card you have to purchase product from their store, so after first investigate the dispute, I end up paying the bank and them, for a card I don't have, how horizon ridge up information on me, for a card never got finish and wasn't authorize, I guess bank and horizon, need money, the price, I had to pay.

Horizon Gold card
I can't find a thing that I would ever order on their site

Unauthorised internet banks

http://www.fsa.gov.uk/pages/Doing/Regulated/Law/Alerts/internet.shtml

Hallmark Bank NA
Hallmark Finance & Savings Bank (at hfshuk.50megs.com)
Hallmark Trust Finance
Hallmark Trust Finance Bank

Contact: Greg Hurd, Millicent Grant or Brian Trowbridge

www.swannlaw.tc
pmck@swannlaw.tc
Telephone: [protected]
Facsimile: [protected]
Cell Phone: [protected]
Brian F. J. Trowbridge — Partner
btrowbridge@hallmarktrust.tc

TCI mailing address:

Hallmark Bank & Trust Ltd.
PO Box 656, Tropicana Plaza
Providenciales
Turks & Caicos Islands
British West Indies

Hallmark Bank & Trust Ltd. office hours are 8.30 am to 5.00 PM, EST, Monday to Friday.

Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]

Horizon Gold card

http://www.hallmarktrust.com/

Hallmark Bank & Trust Ltd. office hours are 8.30 am to 5.00 PM, EST, Monday to Friday.

Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]

Contact: Greg Hurd, Millicent Grant or Brian Trowbridge

www.swannlaw.tc
pmck@swannlaw.tc
Telephone: [protected]
Facsimile: [protected]
Cell Phone: [protected]
Brian F. J. Trowbridge — Partner
btrowbridge@hallmarktrust.tc

TCI mailing address:

Hallmark Bank & Trust Ltd.
PO Box 656, Tropicana Plaza
Providenciales
Turks & Caicos Islands
British West Indies

http://edgar.brand.edgar-online.com/PeopleFilingResults.aspx?PersonID=3084214

COLUMBUS NETWORKS CORP 10SB12G/A 4/7/2000
COLUMBUS NETWORKS CORP 10SB12G/A 5/23/2000

Compass Prepaid MasterCard

P.O. Box 104
Tropicana Plaza
Providenciales
Turks & Caicos Island OR P.O. Box 325, STN 'A'
Etobicoke, ON
M9C 4V3
Canada

Telephone: [protected]
Facsimile: [protected]
Email: compass@lochaven.tc

Unauthorised internet banks

http://www.fsa.gov.uk/pages/Doing/Regulated/Law/Alerts/internet.shtml

Hallmark Bank NA
Hallmark Finance & Savings Bank (at hfshuk.50megs.com)
Hallmark Trust Finance
Hallmark Trust Finance Bank

Omg! I wish I wold have seen your complaint first! I did the same thing thinking it was a credit card. I am sitting in tears at how stupid I was. Thanks for posting this scam. I hope other people like me and you do the same thing so that others will benefit.

This is the actual email I sent to these Yahoos - I have NEVER filed a complaint against any company. Like many others I not only feel deceived, but stupid. I consider myself to be a somewhat intelligent person. They sent me an email after I cancelled this card wanting to make sure I had 100% satisfaction...WOW!

Oh, so glad you finally sent me an email (never received the one I was told I
would receive when submitting this application) Once realizing what this card
was actually about and then doing research online, the ONLY contact information
I could find for your company was off of compliant websites. Most felt deceived
as I did. I would not recommend you advertise on CREDIT CARD websites as this is
not truly what this is. I can get a Fingerhut card and do the same thing.

I found a customer service contact number within the responses from your company
regarding the several hundred complaints and called immediately yesterday after
realizing the confirmation email was not coming through. I tried to call, but
your offices were closed. NOT a convenient thing when dealing with a "credit
card".

I called this morning and talked to a CSR who drilled me for questions on why I
wanted to cancel. Not just asked, DRILLED. Isn't one reason good enough? Once I
got past her, she then transferred me to a supervisor who asked me the SAME
questions again, yet pushed even harder to get me to keep the card. My reasoning
was still the same even after reading her script. I was disappointed at the
beginning of the call, but angered at the end. Once she realized that I was not
going to bite, she then turned somewhat nasty, her tone was very short on the
phone and barely got through the word "Thanks" before hanging up the phone.

I was refunded and this card was cancelled, thank goodness, but what I endured
to get there was not at all what one should experience when attempting to build
credit back up. Not everyone lives beyond their means, some have tragedies in
their lives which force them to get into debt, possibly file bankruptcy and have
to start all over from less than square one. Don't assume everyone is a deadbeat
and certainly don't treat them like one.

You may want to make your contact information available without needing to log
on to your site. People MAY just call ahead of time to get the information they
need to make an educated decision. It also MAY field some angry applicants who
have decided maybe this card was the wrong choice. Considering I filtered
through MANY complaints about your company prior to finding a customer service
number to call did not help in your attempt to save a customer.

ANYONE STUPID ENOUGH TO NOT LOOK UP ANYTHING YOU BUY OR RECEIVE IN THE MAIL, OR E-MAIL I AM SORRY TO SAY AND FORGIVE ME BUT DESERVES TO GET RIPPED OFF! ENOUGH SAID.

ANYONE I ADVICE YOU TO NEVER GO TO TRIDENTSOLUTIONSLLC.COM THEY RIPPED US OFF FOR 300 HUNDREDS DOLLARS THAT WE HAD BORROW PLEEEEEEASE REPORT ALL SCAMS SO THEY CAN BE STOP. I HAVE A HORIZON AND THEY HAVE ### PN THERE WEBSITE...

THERE ARE 2 PAGES. THE FIRST ONE YOU ENTER YOUR APPROVAL CODE AND EMAIL ADDRESS. THE 2ND PAGE YOU ENTER YOU DEBIT CARD AND SOCIAL SECURITY NUMBER. THEY ARE FALSE ADVERTISING BY PLACING A PICTURE OF A MASTERCARD AND A VISA CREDIT IN WHICH THEY DO NOT SHIP OUT... THEY ONLY GIVE YOU THESE SUCKY CARDS THAT YOU CAN ONLY USE ON A WEBSITE PROVIDED BY THEM... BE ADVISED.. DO NOT WASTE YOUR 79.95 ON THAT.. DO NOT GET MISLED..

I got this postcard in the mail the other day and found out that this was too good to be true. Now I went to the website and reading all the compliants and it is such a scam. Don't even try this company because it will be nothing than a heartache. My postcard is now shedded.

I too was ripped off by Horizon Gold. I noticed right away that $79.95 was taken out of my acct 5 mins later after signing up, then I noticed that the site wasn't that descriptive and as I did more and more research I came about a list of sites with complaints about them. Right away I tried to call them and all I received was a busy signal, I called them about 10 different times and each time a busy signal, so I decided to call my bank, I told my bank that the company was a fraud and that I needed the charges reversed, they were glad to do so and they are now sending me a new card and closing the old one so that the company cannot charge my acct anymore. I advise anyone else to call their banks and do the same if you haven't already done so...ask for a dispute and tell them the company's a fraud, otherwise you never know, Horizon Gold.. if you get a hold of them, may tell you they'll credit you but may not actually do so, best bet is to call your bank.

I am with everyone else i was ripped off by Horizon Gold and intend to get my money back

My wife receive this horizon gold card in the mail last night. Since im a goggle freak i googled horizon gold fraud just to c who these people really are and if there has been any complaint against them needless to say i came upon this website. There's too much complaint against them so i ripped it up for her. I did a little research on them and this is for the people who have ben scam, here goes. Horizon gold address is 1707 Warren Road Indiana, PA 15701 US. Guess who also resides at this address too, Reliant Holdings Guess who owns horizon gold www.reliantholdings.com and there phone #[protected] this website was created on 12-Apr-2005 the email associated with the website is rekane@reliantholdings.com www.thehorizonoutlet.com Record created on 03-Feb-2006. they havent been in the bussiness long enough in my opinion

I was ripped off by this company and I will do what it takes to get my money back.

THIS IS THE GOVERNMENT FAULT! THEY TAKE Every Penny!

I WANT MY MONEY NOW! MONEY IS EVERYTHING! GIVE ME MY MONEY OR I WONT PAY TAXES...
I WILL TELL THE WHOLE WORLD NOT TO WORK FOR YOU EVIL SCAMFUL HUMANS!

I do not want this card please stop you stop taking money out of my card

i order to king size pillow and a disappointment so i call to return them but to return cost about the price i paid for them . so a cancel my service with them because service suck and them to .

I've been charged a 6.95 fee from my debit card and I want my refund did not order the horizon Card Services so there for I should get my cash back

My bank was charged 6.95 from horizon card service and I don't have any credit card or online credit with them I do not want to open any line of credit I want my money back I did not authorize any charges

They charged me 6.95 twice and I never signed up for this I need refund I seen it in my email but did not order this card how they got my credit card number I have no clue please help thank you

I saw on my bank statement a $6.95 debit from horizon card services and I did not approve this. I would like a full refund

I did not want that amount to be taken out of my account please reimburse me it I need my money please thank you

Hello my name is Dannie Mason and I been canceled this [censored]. If I don't get my money back asap I'm going to contact the better business BUREAU and FCC about your fraudulent charges against me. I call 2or 3 times to cancel. Don't take another dime from me.

Hi I called twice yesterday to unsuspend my account and I paid the $6.85 to do so. I never received my card so an electronic one was supposed to be emailed to me for now and I never received the email. I am very upset and would like my card so I can use it or my money back.

I was lead to believe the card could be used in multiple places. Lots of hidden charges. I am on social security and cannot afford this type of card. I feel like I am being taken advantage of and want a refund on their initial fee of $29.95 and cancel card.