Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/08/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ive noticed a charge of 14.77 from Horizon card svcs on my debit card for several months . I can't cancel or get rid of it . I don't even know what it is or how it got there . I googled them and see that they are scammers please help me get my money back and any of my personal information thanks the 14.77 gets taken out monthly i have bank reports as proof

  Business Response

  Date: 08/13/2024

  Horizon Card Services
  P.O. Box 1275
  Indiana, PA 15701
  1.800.251.6144  
  August 12, 2024
  *** ** ********
  
  **** ********* *****
  
  We are in receipt of the above
  referenced complaint dated 08/08/2024. 
  
  ***** ******* states in her
  complaint that she has noticed a charge of $14.77 from Horizon Card Services on
  her debit card for several months. She states she can’t cancel or get rid of
  it. She doesn’t know what it is or how it got there. She googled the company
  and sees postings stating that they are scammers. She is requesting assistance
  in getting her money back and any of her personal information. She has her bank
  statement records showing the charge gets taken out monthly. The amount she is
  disputing is $183.32.
  
  In order for Horizon Card
  Services to start charging a monthly fee, customers must first create an
  account. Customers would visit our secure web site and willingly apply for our
  services by completing our online application.  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 outline our product and services and clearly give our contact
  information. After entering their personal information in the online
  application, they enter a valid credit card number and expiration date. Here
  the application process requires the customer to click on a check box to
  confirm they have read and agree to the Payment Authorization terms. The customer
  acknowledges that they understand and agree that at the end of their risk-free
  trial they will be billed a regular monthly participation fee. The monthly fee
  will be assessed automatically every thirty days unless they request to
  discontinue their membership. They may cancel at any time by calling the Member
  Services department and understand that refunds will be made for fees paid
  within the last 30 days upon request. Once the application has been submitted,
  the customer sees a membership confirmation page. An email with this same
  information is sent to the email address provided in the application. This
  confirmation provides the customer with the information they need to have
  immediate access to the services, provides their first payment date after the
  free trial ends, and provides the customer with our contact information.
  
  Upon receipt of this
  complaint, we tried to contact **** ******* by phone.  On the first attempt, we left a voice message
  requesting a return call. We made another attempt on Monday August 12, 2024,
  and were able to speak with *** ******** We were initially not able to locate
  an account with the information *** ******* had provided in the BBB complaint.
  But with *** *******’s assistance, we were able to locate an account and
  discovered that someone else in the household had created the account. The
  accountholder advised *** ******* that he wanted to cancel the account. We
  processed the cancellation and issued three months of refunds. *** *******
  indicated she was satisfied with this resolution of her complaint.
  
  We trust this resolves this
  matter and that no further communication is needed at this time.
  
  Sincerely,
  Dee-ann B********
  Compliance Department
  Horizon Card Services
  1.800.251.6144
  (Fax) 724.599.1580

• Initial Complaint

  Date:09/23/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Horizon card services was supposed to cancel my service that was signed for fraudulently a year ago non Jan 16 never processed it and has been charging me a for a year a monthly subscription. I think this behavior is indicative of preying behavior and should be investigated and taken Care of. Many people are hurt by this company that is said to be “partly a scam” in online reviews and they did not cancel my account that was fraudulently made for over a year.

  Business Response

  Date: 09/28/2023

  Horizon Card Services
  P.O. Box 1275
  Indiana, PA 15701
  1.800.251.6144                                                                                                                                                                                                                                                                                                                                                                                        

  September 28, 2023
  
  *** ** ********
  
  **** ********* *****
  
  We are in receipt of the above
  referenced complaint dated 09/23/2023. 
  
  *** ******** states in his
  complaint that Horizon Card Services was supposed to cancel his service that
  was signed for fraudulently a year ago on January 16. He states that Horizon
  Card Services never processed the cancellation and has been charging him a
  monthly subscription for a year. He thinks that this behavior is indicative of
  preying behavior and should be investigated and taken care of. *** ******** feels
  that many people are getting hurt by this company that is said to be “partly a scam”
  in online reviews and again states they did not cancel his account that was
  fraudulently made for over a year.
  
  Applicants visit our secure
  web site and willingly apply for our services by completing our online
  application.  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 outline our product and
  services and clearly give our contact information. After entering their
  personal information in the online application, applicants enter a valid credit
  card number and expiration date. Here the application process requires the applicant
  to click on a check box to confirm they have read and agree to the Payment
  Authorization terms. They acknowledge that they understand and agree that at
  the end of their risk-free trial they will be billed a regular monthly
  participation fee. The monthly fee will be assessed automatically every thirty
  days unless they request to discontinue their membership. They may cancel at
  any time by calling the Member Services department and understand that refunds
  will be made for fees paid within the last 30 days upon request. Once the
  application has been submitted, the applicant sees a membership confirmation
  page. An email with this same information is sent to the email address provided
  in the application. This confirmation provides the customer with the information
  they need to have immediate access to the services, provides their first payment
  date after the free trial ends, and provides the applicant with our contact
  information.
  
  *** ******** contacted Member
  Services on September 22, 2023 by phone stating he was being billed and never
  signed up for anything. He stated he will report the company to the better
  business bureau. A manager took over the phone call and processed the
  cancellation of the account and issued a refund of one monthly fee in
  accordance with the cancellation and refund policy and as a courtesy, processed
  two additional months of refunds. In addition, the manager confirmed *** ********** email address so a fraud affidavit could be sent. Once the completed
  fraud affidavit is returned, an investigation will be done, and additional
  refunds may be processed. *** ******** called back into Member Services three
  more times on September 23, 2023 threatening the better business bureau each
  time. A manager explained that all he needed to do was fill out and send back
  the fraud affidavit, but *** ******** disconnected the call.   
  
  Mr. *** ********’s account had
  been cancelled on September 22, 2023. He was refunded three months of the $14.77
  monthly membership fees and sent a fraud affidavit to the confirmed email
  address that is also the email address on the account. Once the completed fraud
  affidavit is returned, we will be able to investigate further into the fraud
  claim and determine if additional refunds are due.
  
  We trust this resolves this matter
  and that no further communication is needed at this time.
  
  Sincerely,
  Dee-ann B********
  Compliance Department
  Horizon Card Services
  **************
  ***** ************

• Initial Complaint

  Date:09/20/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They are a now obvious scam. They market themselves like a credit card company but it's really just a card you can use on their thrown together site to purchase drop shipped garbage. I am afraid they will steal my identity as well

  Business Response

  Date: 09/28/2023

  Horizon
  Card Services
  P.O.
  Box 1275
  Indiana, PA 15701
  1.800.251.6144 

  September 28, 2023
  
  *** ** ********
  
  **** ********* *****
  
  We are in receipt of the
  above referenced complaint dated 09/20/2023. 
  
  ***** **** states in her
  complaint that Horizon Card Services is a scam. She states that Horizon Card
  Services markets as a credit card company but is really just a card to use on
  the thrown together site to purchase drop shipped garbage. ***** **** is afraid
  that Horizon Card Services will steal her identity. She wants a billing
  adjustment, no further contact with the business, and the account to be closed.
  
  ***** **** visited our secure
  web site and willingly applied for our services by completing our online
  application.  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 outline our product and
  services and clearly give our contact information. The online application also
  provides a link to The Horizon Outlet which gives applicants the opportunity to
  preview the shopping website. ***** **** completed the online application on September
  20, 2023.
  
  ***** **** did contact Member
  Services through email on September 20, 2023 to request to cancel her services.
  A response was sent to *** **** that same day which summarized the services
  that *** **** had successfully applied for and instructed *** **** to call
  member services to cancel her account. *** ****’s response to that email was
  that she will be reporting to the better business bureau and that she does not
  have time to sit on the phone. Horizon Card Services did attempt to call *** **** to resolve the issue but was unable to reach her. The agent left a voice message.  The account was canceled on September
  20, 2023 with no refunds due as no payments had been made. There has been no
  additional contact with *** ****.
  
  Ms. ***** ****’s account had
  been cancelled on September 20, 2023 in response to her emailed request. There were
  no payments made to refund. There will be no further contact with *** ****.
  
  We trust this resolves this matter
  and that no further communication is needed at this time.
  
  Sincerely,
  Dee-ann B********
  Compliance Department
  Horizon Card Services
  **************
  ***** ************

• Initial Complaint

  Date:08/22/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I set up an account with Horizon Card Services. I was automatically given a $750 in store credit to shop online at TheHorizonOutlet. Com. I spent $263.73 of that in store credit and to get my items shipped I had to pay 10% of that cost the day I ordered them. On August 10,2022 I filed a complaint with FedX for not receiving my package because the tracking # I received when I ordered from The Horizon Outlet said the package had been delivered 2 days prior to the day I filed the complaint. The same day I contacted The Horizon Outlet via email. They almost immediately terminated my account with them. I have received a bill in the mail saying I owe $26.73 as my monthly balance with them. Im not gonna pay and continue to pay for items I never received.

  Business Response

  Date: 08/31/2022

  Horizon Card Services
  P.O. Box 1275
  Indiana, PA 15701
  1.800.251.6144                                                                                                                                                                                                                                                                                                                                                                                                                                                                   August 31, 2022
  
  *** ** ********
  
  **** ********* *****
  
  We are in receipt of the above
  referenced complaint dated 08/22/2022. 
  
  ****** ***** states in her
  complaint that she set up an account with Horizon Card Services and was given a
  credit line to use on thehorioznoutlet.com shopping site. ****** stated she used
  some of the store credit and to get her items shipped. She had to pay 10% of that
  cost the day she ordered. On August 10, 2022, ****** ***** filed a complaint
  with FedEx for not receiving her package because the tracking number she received
  when she ordered from The Horizon Outlet said the package had been delivered
  two days prior to the day she filed the complaint. That same day she contacted The
  Horizon Outlet through email. ****** ***** stated The Horizon Outlet immediately
  terminated her account. She received a bill in the mail saying she owed a
  payment for her monthly balance. She stated she is not going to continue to pay
  for items she never received. Her desired resolution is a refund, no further
  contact by the business, and a correction to her credit report.
  
  ****** ***** visited our secure
  web site and willingly applied for our services by completing our online
  application.  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 outline our product and
  services and clearly give our contact information. ****** ***** visited our secure
  website and checked the box on July 31, 2022, stating she read and agrees to
  the terms and conditions.  ****** ***** used her account to place an order
  on August 3, 2022. When ****** placed this order, she paid for the shipping as
  outlined in the terms and conditions. Ms. ***** did contact Member Services through
  email on August 14, 2022 to ask about the status of her order. She stated the tracking
  number shows delivered but she never received the order. She also questioned
  why her account was deactivated. An email response was sent on August 15, 2022 advising
  her that we were submitting a research request to our fulfillment department for
  the order. We advised her the account was cancelled per company policy due to nonpayment
  for the monthly membership fee. We informed Ms. ***** in the email that she could
  reactivate her account by calling, verify her identity and make a payment for
  the monthly membership fee. On August 15, 2022 Horizon Card Services sent a follow
  up email response in regards to the research request for her order. We advised
  ****** ***** that her package was delivered to the address that was entered and
  provided the tracking number. We gave our contact information in case *** *****
  had additional concerns.
  
  Upon receipt of this complaint,
  we tried to contact ****** ***** by phone. We made two call attempts and left
  two voice mail messages. As of August 31, 2022, we have not heard from ******
  ****** 
  
  Ms. ****** ******* account had
  been cancelled on August 15, 2022. On August 22, 2022, ****** ***** was refunded
  the shipping charges she had paid on the missing package. The balance was
  removed from her line of credit and it is now showing as nothing due. Her account
  was not reported; therefore, no correction was necessary to her credit report.
  We have done a review of our company policy in regard to working with a customer
  in resolving a missing package issue and we have made immediate changes to improve
  communication in the research process.
  
  We trust this resolves this matter
  and that no further communication is needed at this time.
  
  Sincerely,
  
  Dee-*** *********
  Compliance Department
  Horizon Card Services
  1.800.251.6144
  (Fax) 724.599.1580