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W M.

3
Level 3 Contributor
Orlando, FL

Contributor Level

Total Points
2,287

21 Reviews by W

  • Zebit

3/22/23

Zebit employee [Misael] and the Zebit staff are cold hearted, they are rude and I am trying to spead my experiences. Zebit profiles people due to payment history etc. My mother had a stroke that left her partially paralyzed due to a stroke and left her unable to walk, and had other health issues, due to the fact I lost employment in trying to care for my mother and had some problems making payments but still tried to make payments when i could. How cold-hearted can a company be and treat others. This company does not have phone support only online and they need to realize that out there people do have problems and when I offered to make payments and work with them [Misael] was cold as hell in stating that due to payment history my account will remain closed not look into my history of the payments and purchases. Please stay away from Zebit find other sources and please pass this to everyone how they profiled me because my mother got sick and employment issues. Make this viral as I will be sharing my experiences with everyone and beyond. Zebit.com is rude, hire rude employees, and all around could hearted and think of nothing but the mega buck not care of others feelings or what they are going through. I guess the big mighty dollar is more important to companies than people's life's this company needs to be closed and boycotted for how they allow the customer service reps to treat customers -- they lie, coldhearted, and will be on all social media my experience and how everything is -- I bought many items from them and then they would not work with me many times after life happened and had some issues.

MDG
  • MDG

2/23/23

MDG/CC BANK PROFILE PEOPLE --- THEY COLLECT ALL THIS INFORMATION AND USE IT TO DO WHATEVER WITH --- PLEASE PASS THIS ALONG / BEWARE AND NEVER USE THIS COMPANY THEY HAVE WORTHLESS PRODUCTS -----

Thank you for your recent application for the Credit Account issued by CCBank. We regret that we are unable to approve your request at this time. Our credit decision was based in whole or in part on information obtained from an outside source other than a consumer reporting agency. If you would like a statement of specific reasons why your application was denied, please contact us at the address or phone number shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request.
If you have any questions regarding this letter, you should contact CCBank's servicer at:

MDG USA Inc.
3422 Old Capitol Trail, PMB# 1993
Wilmington, DE *******
*******975 ext 340
Your Right to Get Your Consumer Report

In evaluating your application, the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting: Equifax, P.O. Box *******, Atlanta, GA *******-3742, *******111. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the consumer reporting agency.

Information about Your Credit Score

We also obtained your credit score from the consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Your credit score: 542

Date: February 23,2023

Score range from a low of 300 to a high of 850.

Key factors that adversely affected your credit score:
Lack of real estate secured loan information
Too many revolving accounts with high balance compared to credit limit
Too many bankcards with high balance compared to credit limit
Not enough balance paid down over time on revolving accounts
If you have any questions regarding your credit score, you should contact the entity that provided the credit score at: Equifax, P.O. Box *******, Atlanta, GA *******-3742, *******111.

Sincerely,

MDG USA Inc. and Capital Community Bank

Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (with certain limited exceptions); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, Consumer Response Center, 1100 Walnut St., Box #11, Kansas City, MO *******.

  • Amazon

1/9/23

Amazon has stole money from me - Everyone I talk to say I need to take the loss because a package delivered to me was stolen in the mailing of it - The representatives that I have spoken to on the phone have broken English, act like they are all that when they are probably crammed up in a cubicle in Philippines or something so Amazon does not have to hire many English speaking reps.

I have no problem but sometimes I would like to address my concerns with English Reps. I know many companies that hire outsource and in the long run have to pay overtime for mistakes they have made because of training and fully understanding situations.

I received a box with some teddy bears for Christmas and spoke to a representive and explained I got one of the boxes out of what I ordered they were not there and the seal was broken she sent me a return label to send the one back that I did receive and they would refund them all -

I am extremely upset how this is handled they only refunded the (1) pack I received which I sent back so owing me more almost $100... so they are stealing money ----- They have got so big probably stealing and scheming that they don't care about customers and what we spend our hard earned money on.

I know my review is going to be a peon to what you may purchase on Amazon but beware they do steal money from customers, make you pay for items lost, -- It says in the policy which we signed up for to get screwed by Amazon and the customer service dept.

The supervisors are probably not even caring as long as the check clears --- They need to really do better, bring the jobs back to the USA. We all need work here too, and when did this company get so big that they treat us like $#*! to make a buck...

  • Sezzle

12/29/22

First off I have been with Sezzle for awhile and have a good credit line with them - But I will say please don't use them stay away and use Afterpay, Pay by 4, and even Affirm, - I had some issues and asked for hardships as my mother had a stroke that left her partially paralyzed in a wheel chair, not to mention during the pandemic I lost one of my jobs, and I live in Orlando where the rent market sky rocketed so outrageous but with all this being said I asked for help as hardship and I have to admit they did help some, and I requested just (1) more push of my payments because of these issues plus I take care of my mother --- I requested just one more hardship (letter below) and this low life piece of whatever you want to call him his name is Trevor and probably not even from the USA as most of the customer service agents are not to begin with so when you call you get broken English, and those who just read scrips and repeat themselves. But I guess this is what our customer service has come to - But my point is they let Trevor email me and ask me for proof that my mother had a stroke which is illegal as that is HIPPA privacy and does not have to be documented. I was nice and sent a photo of my wheel chair bound mother and he than writes back says it was not sufficient enough to help me- I have requested now (5) times for management to contact me and talk about this problems --- They are allowing this agent Trevor to send these types of emails and request this information - Sezzle is so rude, and awful and I am sending all correspondence to the corporate office and let everyone on all social media platforms know my experience- I owe them 500 dollars and they won't help me - now I am going to be late on my payments and they are going to tack on late charges, and say they are there to help others which is a big lie --- The customer service sucks, now they are charging other fees for different levels to get to better options of stores (ridiculous) - Please work with me and pass this review on and hopefully Trevor either gets more training or even terminated. HE should not be able to out right request such sensitive information and Sezzle not want to talk about this or even care that it's illegal and such information can cause law suits to the company behalf of Trevor which I am looking into many options what can be done. I will attach the letters he wrote to me and how he was rude in condescending way about helping with anyone. And management has not contacted me which is worse so I am sending a letter to corporate and see if anyone there would like to discuss this problems and who they hire to be able to speak and corresponds to customers in this way.

I will be speaking with some my mothers Dr. and some other outlets to see what can be done legally and to see if Trevor will be punished in anyways due to his outrageous requests and correspondence.

I am going to work on trying to pay off my account, my mother is 81, had a stroke that left her partially paralyzed from a stroke, lost her husband, fell off our porch and broke her back which is reconstructed with a metal cage and rods, had a massive heart attack and had a quad bi pass surgery, is in stage 3 kidney disease, and encountered Covid 19 My sister and I take care of her as much as we can to keep her home and for all she has going on and been through she tries to be joyful and keep her spirits high - I ran into some financial problems and asked Sezzle for only 1 more hardship push to let me catch up they did help in the past but this representative was extremely wrong. I see Trevor has no heart, and Sezzle company does not seem to either to allow these reps to do whatever they want and request sensitive info. Talk about a Grinch for the holidays. I hope if he ever encounters problems with anything no matter what it is I do hope he gets more help and more understanding and courtesy than he choose not to give to me -

  • Loews Hotels

11/28/22

Well let me start off by saying that I used to work for Loews Hotels@ The Kitchen Restaurant and I left the company due to issues was beyond my control. My mother had a stroke and my father developed Cancer.

I have since applied to Loews Hotels again and I have been getting the run around where it's the point I feel I am being profiled and singled out. Jennifer (Dani) Martinez called to schedule an interview finally after 3-4 times applying for the same position that keeps getting reposted almost weekly. On the phone call she was adamant that she was not gong to consider me as I told her that the weekends I do have off is times I spend with my mother who is partially paralyzed due to a stroke. I do realize that going back into hospitality I would have to compromise to work (some) weekends possibly but the way she spun it on the phone call was it's a demanding time and etc. I found it in a way discrimination as she would not want to hire me due to the fact I help take care of my mother but I sent an email and declined the interview for the reason is I don't think she would have hired me in the first place per our conversation.

I have numerous times written Nell Farnsworth head of HR at Loews Hotels and she rudely ignores my email's and does not even correspond to try to rectify the situation that every time I now apply for Loews I get a Dear John automated letter from the company. I have excellent job ethic and work hard at everything I do I have been with multiple companies though my journey and have held long strong rapports with them and longevity. I feel I have been profiled and singled out and not giving a chance with Loews Hotels and I have numerous as stated above asked this to be looked into and find out the problem/s as I have an positive rehire status and many years of customer service.

So really the person/s involved in this would be Jennifer Dani Martinez from Hard Rock Hotel, and Nell Farnsworth HR of Loews as I didn't want to leave this review but now days these companies let a computer dictate if you would be a good employee or not which is extremely ridiculous you have to have faith, and when you don't give chances to others like you were once given you end up in the long run ruining self esteem, and end up losing good faithful employees.

I hope Loews Hotels Corporate sees this and finds out what the issues are because companies doing these to people is getting out of hand yet they go crying no one wants to work, well the problem could be relying in the company themselves young Jedi.

  • Uber Eats

3/9/22

This is so uncalled for... UberEats is so awful make you pay your hard earned money for items that arrive soggy, cold, or just down right grose. I have had many issues that some they have refunded buy lately I have had some issues with Checkers where they did not flow instructions and had onion which makes me sick and other items were supposed to be removed and yet they still charge me after my food arriving with everything requested on it. The food was not the best in tasting the order was wrong or the items were missing this happens alot and we can't return the food but they make us pay for it and steal our money they have crappy customer service and this is illegal stealing our money and I'm asking legally what can be done for this I would NEVER use Uber Eats stay away from them they lie, steal money, and deliver $#*!ty food let the restaurants do this to us steal money from us for food we can not even eat... I get sick on onions and they allowd this to happen... keep away from Uber Eats...

  • Soundcore

2/4/22

Well let me start this review with Anker Soundcore with breaking down the details, I love the quality of the products and the build in general I own selective noise cancelling headphones due to the fact they help my life a little easier - My apartment management rudely moved a family above me here in Orlando that have no respect for anyone they have (4) kids all under the age of 8 which they let run, bounce, and jump throughout the day and some night times. This family has no respect for anyone but themselves. I have selective noise canceling headphones to help get though these times I believe I pay too much in rent to be dealing with issues and the management company won't seem to do anything about stating (the noise is not obsessive) yet they don't live below these individuals. I take care of a mother going to be 81 years old who is partially paralyzed due to a stroke and can hardly get her naps in and sleep in general due to the upstairs tenants with this being said I purchased a pair of Q30's and for some reason out the different pairs I have these were giving issues such as (echoing) (not holding the noise cancelling function correctly) and sometimes just powering off... I filed a warranty claim and after a couple times the ones that were sent now seem to be holding up and doing well. I know problems occur time to time in manufacturing, production, and sometimes just beyond the control of the company products become defective. Understanding we spend hard earned money on these products it's great to have someone even though email's you can talk to and know they are genuine and here to help with a smile. (you can just feel it). So --

I have to state a girl named Julie who works with the warranty department was amazing, she was very nice to correspond with and very professional in handling this issue as to be honest with these headphones it helps with my life in general with blocking out the unnecessary noise and rukus from upstairs. I wanted to reach out and offer a review of her service and dedication to Anker Soundcore customers. I know during these hard times due to Covid 19 issues and other downward spiral situations it's great to see that true customer service is not totally a thing of the past and I have witnessed this in the performance Julie has demonstrated. I think she is an awesome aseett to your company and brand.

I will be in the future still purchasing Anker Soundcore products and feel free if you want to donate any I would gladly accept them as they have helped my life easier with the problems I deal with due to daily issues I deal with working all the time and not wanting to come home because of getting no peace. I would also be happy to review future products of Aker Soundcore if that is an option.

But I want to thank Julie personally for the exquisite customer service experience and wish everyone at Aker Soundcore a safe 2022.

  • FlixBus

1/22/22

Ruined my birthday, buy lying to me --- I took an Uber to be on time from I-Drive in Orlando was going to Tampa for my birthday, I arrived and there was 2 bus's this was my first time taking the bus so I go up and speak to the drive who lied to me stating they were not going to my destination -- and he even checked his GPS stated to me that my bus was still not arrived yet and was coming from the airport. So me waiting the bus ended up leaving me as I stood there in the cold walking back and forth waiting for my so called bus coming --- So today in Oralndo it was freezing another bus pulled in thinking this was my bus I tried to board and the driver stated he was going to Atlanta --- and progressed to tell me that I missed my bus and had left - It was one of the 2 buses that mind you a driver lied to me about -- I asked for a refund from customer service (oh course they are not in the USA) and they are rude and are reading a script -- mind you this was my first trip I would have taken with this option. I am going to deliver my experience to TikTok, Google, and every outlet to share my experience and how they refuse to refund my trip they don't see this as their problems even though it was one of their drivers who lied to me I have an Uber receipt that I was there on time and for the driver lying to me I would have been on the bus for my birthday trip to Tampa --- SO DON'T USE THIS COMPANY THEY ARE THEIFS TRYING TO KEEP MY MONEY -- ITS VERY WRONG AND I AM NOT GOING TO LET THIS GO ITS THE PRINCIPAL OF IT ALL.

Tip for consumers:
STAY AWAY FROM FLIXBUS.COM THEY WILL LIE AND KEEP YOUR MONEY!

  • Capital One

9/9/21

PROFILE ACCOUNTS
PROFILE ACCOUNTS - RUDE and DISRESPTFUL -- This company picks who they want to help and than gives reasons saying your not eligible for help. Capital One is one of the worst companies in banks, and credit cards how they treat their customers is atrocious - They have the slogan "What's in your wallet" nothing because you have taken everything and expect more - Stay away from these cards and this company in my opinion. They charge high fees, and they have outrageous annual fees. Go with other companies if you are trying to get your credit fixed or establish credit don't use Capital One -- They do profile accounts based on who you are in my experience they say they want to help those who suffered from covid yet they don't take into consideration that people are STILL hurting and getting kicked out of houses, losing jobs, and trying to get jobs this world is a mess right now and companies like this need to be put in check to help those with fees and trying to work with them. I hope that sometime some of these (managers) or (supervisors) can experience what other's do it's not always the best route to be on the other end asking for help and asking for a courtesy.

  • Bank of America

8/16/21

I have to say BOA is the one most self centered banks out there - Does not care about their customers, you wait on hold for a long time, sometimes disconnects you, and you get representatives who have a chip on their shoulder and rude! I would have to say in my opinion I would not use this bank. I currently have an account with them but am closing it soon as you should too. They hound you with fees, and they don't as a courtesy reverse anything without more in less scolding you and giving you a lecture. They had law suits filed by many customers in the past for all the fees this bank has taken from people. They are the WORST bank and don't care about customers---

I don't take it lightly when I asked as a courtesy if you could reverse my first ever fee on this account but they would not budge or help out in any way because I overdraw my account to get some medicine and things I needed. But they would not reverse a fee for me -- they are money hungry and very bad with customer service and helping out their customers. I do hope they lose more clients and that others will wake up to there is more great banks with great reputations that actually care about their customers.

  • Finish Line

8/11/21

Finish Line is a good place to get some shoes and sport apparel at a decent price usually they seem to have top names as Nike, Puma, Fila, and others --- Be sure to keep checking out online as promo codes are sometimes offered plus they have their own FL rewards program that will earn you some points to redeem for other good items, and levels. - Check out FL online or in the stores --

  • K-Swiss

8/11/21

I have to say for the product itself I love K-Swiss own many pairs, but I had an issue with customer service I can't seem to shake off... I bought some shoes and 2 pairs were left out of the box I received one pair of the 3 I bought and customer service had me back and forth sending 56 email messages when all they had to do was refund the ones missing or replace them (simple right!) well you would think so I have write corporate and Afterpay the platform I purchased them on- ridiculous especially when they about lost a customer over this mishap on their end. They were stating in between the lines that I was lying why first off would I lie and say I didnt' get something and I did, and 2nd why when I have over 79 pairs of K-Swiss shoes being a loyal customer you give me crap when you know I am going to purchase more... I was like WOW they treat customers like this it's really out of control and very unprofessional -- long story short never will they get 5 stars in my book because the customer service department needed to be terminated and was bull what they put me through -- gave me headaches. As of now I have not purchased anymore K-Swiss shoes as of this review.

  • Puma

8/11/21

Puma is one of my favorite brand of shoes, owning many pairs and buy more as my finances allow me too when my mother keeps telling me (you only have 2 feet) LOL I have to say Puma is very nice and comfortable for me to use as a daily walkable shoes, I do own many pairs (not as many as I really want) but I have to give Puma a great 5 stars for the quality, and comfort and most important the different types, and styles.

  • True Religion Jeans

8/11/21

I buy some items from True Religion but sometimes I have to catch them on sale because I am not a millionaire to pay $50-$80 a shirt I mean the quality is nice, and the products are well packaged for the most part but really the price is sometimes outrageous - If you have the money to spend than the True Religion line would be great for you but if you can catch sales and promo codes would be more worth the purchase. --- But I have to say the quality is awesome and great products but I can not give 5 stars due to the prices.

  • Crossriverbank

8/11/21

They seem to be one of the lenders for Affirm.com which is a payment platform which uses different banks to lease merchandise to customers - But I missed a few payments on the due dates and covered them on the same month they were owed and when I go to apply for Affirm.com again sometimes it will be approved and sometimes I received this declaration letter (stupid if you ask me) but it's whatever Affirm needs to do better with their platform and customers who make a few missed payments but recover them on the same month they are due it's not like I was late maybe 3 days it's so ridiculous. The reasons you did not score well compared to other applicants were:

Payment history with Affirm is why I was denied ---

  • Union Bay

8/11/21

I wear lots of Union Bay cargo shorts and pants, never had any issues with them they are very nice and comfortable the price is usually right and sometimes they are shipped in multiple shipments so be careful if you see that you should receive all your items but sometimes they are shipped in one package or maybe was taken from inventory from other places and shipped multiple shipments.

But the clothes come highly recommended by me and I hope you like them as much as I do -- for the most part the shipping is sometimes free with coupon codes or not really a big amount to get your items to you - they also use the Affirm payment platform through shop.

Service
Value
Shipping
Returns
Quality
  • ASOS

8/10/21

I buy products from ASOS. Com and have been really satisfied on my purchases, they tend to carry a good amount of sizes and are very comfortable as I buy usually XL Long, or XXL Long as I am a nice size guy with a football players build. I have to say the items I have purchased was very well packaged, and very nice quality and material would definitely buy from again -

Service
Value
Shipping
Returns
Quality
  • Boohoo

8/10/21

Boohoo Man is a great place to get some nice clothes, decent prices, and good quality, but they tend to run out of certain sizes, and styles, they need to be more careful as they restock the quantities as many of the customers usually trend down to certain sizes and are expecting to see that more in the inventory than than just seeing (sold out) or (out of stock) as that becomes disappointing on many levels. In some cases it may even defer from future purchases. So like I said the clothes are good quality, and really reasonable but they really need to keep a better outlook on the quantity they keep in stock.

Service
Value
Shipping
Returns
Quality
  • Quadpay

8/10/21

Quadpay is an ok payment platform, does not seem to offer an fair amount on the payment platform. I have been buying and paying with Quadpay on time all payments (sometimes even sooner than when it's required) and I am still at the current limit (no increase) -- I have written to Quadpay and you get customer service (probably not even in the USA) and they don't seem to know how to handle the email's they receive and takes time for response. Quadpay is an ok payment option but it could use some work. They have now announced that Zip is acquiring Quadpay and I hope they will work more closely with customers and offer more limit increases, and more compassion for your customers because without us going out and purchasing everything you would not be in business. I think many companies need to realize that fact. So this I could not give 5 stars for many reasons but I hope with the new Zip format they can improve many options for loyal customers.

  • Affirm

8/10/21

I am kind of disappointed in Affirm, although I love using this platform and have bought many items using them as a purchase option and I missed a few payments, but paid in the same month they are very unstable on giving other tries, sometimes the loan is approved, and then sometimes you get an email stating because of your payment history with Affirm we can't approve you. Yet there is some they will approve you for and then decide not to on others. Well I will say again I missed (3) payments and paid them off in the same month they were due -- My mother had a stroke and I had other priorities to pay off then just keep up with this payments. They will not make payment arrangements with you, and if you miss any payment they will not let that go and hold it against you for the time amount of the account is active. Affirm could work on being more accepting and understanding that people do go though hardships and work with you more. The partner banks they tend to use for decisions also could have a heart that things do happen and even look at the future not the past. So Affirm is a good payment platform but be careful to not miss a payment or you would be more branded for life as to speak because they don't seem to care for anything other than that mega buck.

I love Affirm, but don't miss any payments for any reason. My mom had a stroke, left her partially paralyzed from it and I missed a few payments but made them up in the same month. Affirm now sends a letter of denial stating they can't approve due to payment history. Affirm and Cross River Bank are very disappointing in this as I have current open orders paid on time or early. But because of my mother's health they won't removed the missed payment negative tradeline which is very cold due to circumstances. I have contacted both CRB and Affirm with personal letters and not even a letter back or any concern whatsoever, I guess it's all about the money. I will never give Affirm (5) stars due to this problem but if you have almost perfect credit or you don't miss a payment for anything than Affirm would be great for you. I do like using them but it seems to be a cat and mouse game for approval and preapproval most times ends up in "denied" I think some companies need to have more heart and consideration when something you can't control as to family and health issues to a few missed payments and not remove a negative tradeline for this than something is seriously wrong to the point of sadness and greed.

W Has Earned 7 Votes

W M.'s review of Union Bay earned a Very Helpful vote

W M.'s review of Uber Eats earned a Very Helpful vote

W M.'s review of Bank of America earned 2 Very Helpful votes

W M.'s review of Puma earned a Very Helpful vote

W M.'s review of Sezzle earned 2 Very Helpful votes

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