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

• Initial Complaint

  Date:06/17/2022

  Type:Billing 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.

  The Horizon Outlet took a monthly charge from my bank account and I canceled before my free trial.

  Business Response

  Date: 06/23/2022

  Horizon Card Services

  P.O. Box 1275

  Indiana, PA 15701

  1.800.251.6144                                                                                                                                                                                                                                                                                                                                                                                                                
  

  June 23, 2022

                         

  *** ** ********

   

  **** ********* ***** *

  We are in receipt of the above referenced complaint dated 06/17/2022. 

   

  ******* ***** states in her complaint that The Horizon Outlet took a monthly charge from her bank account and she canceled before her free trial ended. She would like to be refunded.

   

  ******* ***** 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 June 6, 2022, stating she read and agrees to the terms and conditions.  After entering her personal information in the online application, ******* ***** entered 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. ******* ***** did contact Member Services on June 6, 2022. The phone agent gave *** ***** an overview of the services, updated the email address on *** *****’s account, and verified that *** ***** was satisfied with keeping the account open and active. After the phone call, *** ***** then accessed the shopping site on several occasions over the following several days. *** ***** did not contact MS prior to the end of the free trial which ended June 17, 2022 to request to cancel and so the first payment of $14.77 was processed.

   

  Upon receipt of this complaint, we contacted ******* ***** by phone. While we were locating *** *****’s account, a second account with much of the same account information was located. We asked *** ***** about her call on June 6, 2022 and she stated she requested a cancellation. We asked about the second account. She states her identity was stolen and must have been used to create that account. We asked why she accessed the shopping site after she canceled the account. She stated she wanted to buy something before the free trial ended. We confirmed with *** ***** that she wanted both accounts canceled and we advised her that the $14.77 transaction that was processed 6/17/2022 would be canceled and that the two charges on the second account would be refunded. *** ***** indicated she was satisfied with the outcome of our phone call.

   

  *** ******* ******* accounts have been cancelled on June 17, 2022. She was refunded $14.77 and voided $14.77 in accordance with the cancellation and refund policy. She was refunded an additional $14.77 as a courtesy.

   

  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