- Report: #118635
Complaint Review: Circuitmicro - Lake Wood California
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Circuitmicro
www.circuitmicro.com Lake Wood, California, U.S.A.
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Circuitmicro has not responded to inquiries. Rip-off! Lake Wood California
*Author of original report: Circuitmicro's 1st and only reply to one of my emails
*Author of original report: Circuitmicro's 1st and only reply to one of my emails
*Author of original report: Circuitmicro's 1st and only reply to one of my emails
*Author of original report: Circuitmicro's 1st and only reply to one of my emails
*Author of original report: **Received Refund from Circuitmicro**
*UPDATE Employee: We regret your experience!
I am a full-time law student and I also work full-time. I was searching for a company that would finance a laptop for me but could not find one to approve me because I have non-established credit. I came accross CircuitMicro.com and chose to fill out their online application because the choice of products they offered on their site were very contemporary. Being a law student, I made sure to thoroughly examine their terms of service/agreement before agreeing to it. This is the wording of the 10th & 11th paragraphs:
"You also further Authorize CircuitMicro.com and their affiliates to electronically debit your account supplied above, for the loan origination and underwriting fees of $39.96, which is required buy the institution that has approved your request. Once your financing is finalized, we'll refund you the fees in store credits toward your purchase, if your purchase is over $1000.00 we will double it, and triple it If your purchase accedes $2000.00
In the unlikely event you change your mind, and choose not to participate, after you have submit your information, we will not be able to credit you the fees, the fees are otherwise non-refundable to cover the approval process. i.e. (Credit reports, underwriting document, preparation and etc.)"
The $39.96 fee was promptly debited from my checking account on Monday, November 8, 2004. Since the initial email informing me that the process would take 1 to 10 business days, I have not received any correspondance from them. On November 12, 2004 I sent them this email:
Subject: Notebook Financing
Date: 11/12/2004 1:15:44 AM Eastern Standard Time
From: N****R****B*****@aol.com
Reply To:
To: [email protected]
Hi,
I applied for 0 down financing on a notebook computer last Friday, November 5, 2004. $39.96 was withdrawn from my checking account on Monday, November 8, 2004. I would like to know what is taking so long for my final loan documents to arrive. Naturally, I am uneasy about the process because it is done completely over the web, and your company has my complete banking information and since withdrawing my money, I have not heard a word from you. Please contact me via email N****R****B*****@aol.com or by phone 203-5**-**80 as soon as possible.
My approval number is A47***M*70
Name: N**** R**** B*****.
I waited 3 days for a reply but did not receive one. I searched for a contact number on their website and was directed to fill out an online contact form. I filled out the form on November 15, 2004 and also sent this identical direct email from my email address:
Subject: URGENT...REPLY ASAP
Date: 11/15/2004 1:19:36 PM Eastern Standard Time
From: N****R****B*****
Reply To:
To: [email protected]
I sent the following email on November 12, 2004 and have not yet received a reply from your company. If I am not provided with the services specified in my application in connection with the fees that you have debited from my checking account I will report you to the proper bureau for investigation. Your business practices are very suspect.
___________________________
Hi I applied for 0 down financing on a notebook computer last Friday, November 5, 2004. $39.96 was withdrawn from my checking account on Monday, November 8, 2004. I would like to know what is taking so long for my final loan documents to arrive. Naturally, I am uneasy about the process because it is done completely over the web, and your company has my complete banking information and since withdrawing my money, I have not heard a word from you. Please contact me via email N****R****B*****@aol.com or by phone 203-5**-**80 as soon as possible.
My approval number is A47***M*70
Name: N**** R**** B*****.
I started to get very uncomfortable because they have my complete banking information therefore I started looking for fraud reports filed against them online. I came accross this site and was mortified at the number of reports filed and at the unprofessional rebuttals filed by their so-called "employees". My worst fears have been confirmed. Tomorrow marks 10 business days since I have originated my application with them. their contract clearly states that they have a 1-10 business day window to send my final loan documents. My professor, a prominent attorney says that a refund of the "non-refundable" originating fees are due to me because they did not honor their own terms. I feel very bad for everyone this company has scammed in the past. I have post-dated this email to go out to them November 19, 2004 as I already know that my previous attempts at correspondance will go unanswered:
Subject: CANCEL PROMPTLY
Date: 11/19/2004 12:00:00 AM Eastern Standard Time
From: N****R****B*****@aol.com
Reply To:
To: [email protected]
I sent the following emails to your company on November 15, 2004 and November 12, 2004 respectively and have not been contacted and I have not been able to find a working number for your company. As a consumer, I am quite disturbed by your practices. I have further investigated your company and found many reports of fraud filed against you.
I am requesting that the "non-refundable" loan origination fees to be refunded promptly as you have not honored your obligation to forward the final documents to me between 1 and 10 business days. I am also requesting to have my banking information deleted from your records as soon as my refund is issued. I will not proceed with the loan process with your company. Please note, I AM NOT CONTINUING ON WITH THE LOAN PROCESS. CANCEL AND PURGE ALL MY INFORMATION FROM YOUR SYSTEM REGARDING THIS LOAN. If my checking account is accessed by you and/or your affiliates from this point on, I will take the proper legal steps to make sure that your predatory practices against bad/no credit applicants cease.
My approval number is A47***M*70
Name: N**** R**** B*****.
___________________________
I sent the following email on November 12, 2004 and have not yet received a reply from your company. If I am not provided with the services specified in my application in connection with the fees that you have debited from my checking account I will report you to the proper bureau for investigation. Your business practices are very suspect.
___________________________
Hi I applied for 0 down financing on a notebook computer last Friday, November 5, 2004. $39.96 was withdrawn from my checking account on Monday, November 8, 2004. I would like to know what is taking so long for my final loan documents to arrive. Naturally, I am uneasy about the process because it is done completely over the web, and your company has my complete banking information and since withdrawing my money, I have not heard a word from you. Please contact me via email N****R****B*****@aol.com or by phone 203-5**-**80 as soon as possible.
My approval number is A47***M*70
Name: N**** R**** B*****.
Nadia
Stamford, Connecticut
U.S.A.
"You also further Authorize CircuitMicro.com and their affiliates to electronically debit your account supplied above, for the loan origination and underwriting fees of $39.96, which is required buy the institution that has approved your request. Once your financing is finalized, we'll refund you the fees in store credits toward your purchase, if your purchase is over $1000.00 we will double it, and triple it If your purchase accedes $2000.00
In the unlikely event you change your mind, and choose not to participate, after you have submit your information, we will not be able to credit you the fees, the fees are otherwise non-refundable to cover the approval process. i.e. (Credit reports, underwriting document, preparation and etc.)"
The $39.96 fee was promptly debited from my checking account on Monday, November 8, 2004. Since the initial email informing me that the process would take 1 to 10 business days, I have not received any correspondance from them. On November 12, 2004 I sent them this email:
Subject: Notebook Financing
Date: 11/12/2004 1:15:44 AM Eastern Standard Time
From: N****R****B*****@aol.com
Reply To:
To: [email protected]
Hi,
I applied for 0 down financing on a notebook computer last Friday, November 5, 2004. $39.96 was withdrawn from my checking account on Monday, November 8, 2004. I would like to know what is taking so long for my final loan documents to arrive. Naturally, I am uneasy about the process because it is done completely over the web, and your company has my complete banking information and since withdrawing my money, I have not heard a word from you. Please contact me via email N****R****B*****@aol.com or by phone 203-5**-**80 as soon as possible.
My approval number is A47***M*70
Name: N**** R**** B*****.
I waited 3 days for a reply but did not receive one. I searched for a contact number on their website and was directed to fill out an online contact form. I filled out the form on November 15, 2004 and also sent this identical direct email from my email address:
Subject: URGENT...REPLY ASAP
Date: 11/15/2004 1:19:36 PM Eastern Standard Time
From: N****R****B*****
Reply To:
To: [email protected]
I sent the following email on November 12, 2004 and have not yet received a reply from your company. If I am not provided with the services specified in my application in connection with the fees that you have debited from my checking account I will report you to the proper bureau for investigation. Your business practices are very suspect.
___________________________
Hi I applied for 0 down financing on a notebook computer last Friday, November 5, 2004. $39.96 was withdrawn from my checking account on Monday, November 8, 2004. I would like to know what is taking so long for my final loan documents to arrive. Naturally, I am uneasy about the process because it is done completely over the web, and your company has my complete banking information and since withdrawing my money, I have not heard a word from you. Please contact me via email N****R****B*****@aol.com or by phone 203-5**-**80 as soon as possible.
My approval number is A47***M*70
Name: N**** R**** B*****.
I started to get very uncomfortable because they have my complete banking information therefore I started looking for fraud reports filed against them online. I came accross this site and was mortified at the number of reports filed and at the unprofessional rebuttals filed by their so-called "employees". My worst fears have been confirmed. Tomorrow marks 10 business days since I have originated my application with them. their contract clearly states that they have a 1-10 business day window to send my final loan documents. My professor, a prominent attorney says that a refund of the "non-refundable" originating fees are due to me because they did not honor their own terms. I feel very bad for everyone this company has scammed in the past. I have post-dated this email to go out to them November 19, 2004 as I already know that my previous attempts at correspondance will go unanswered:
Subject: CANCEL PROMPTLY
Date: 11/19/2004 12:00:00 AM Eastern Standard Time
From: N****R****B*****@aol.com
Reply To:
To: [email protected]
I sent the following emails to your company on November 15, 2004 and November 12, 2004 respectively and have not been contacted and I have not been able to find a working number for your company. As a consumer, I am quite disturbed by your practices. I have further investigated your company and found many reports of fraud filed against you.
I am requesting that the "non-refundable" loan origination fees to be refunded promptly as you have not honored your obligation to forward the final documents to me between 1 and 10 business days. I am also requesting to have my banking information deleted from your records as soon as my refund is issued. I will not proceed with the loan process with your company. Please note, I AM NOT CONTINUING ON WITH THE LOAN PROCESS. CANCEL AND PURGE ALL MY INFORMATION FROM YOUR SYSTEM REGARDING THIS LOAN. If my checking account is accessed by you and/or your affiliates from this point on, I will take the proper legal steps to make sure that your predatory practices against bad/no credit applicants cease.
My approval number is A47***M*70
Name: N**** R**** B*****.
___________________________
I sent the following email on November 12, 2004 and have not yet received a reply from your company. If I am not provided with the services specified in my application in connection with the fees that you have debited from my checking account I will report you to the proper bureau for investigation. Your business practices are very suspect.
___________________________
Hi I applied for 0 down financing on a notebook computer last Friday, November 5, 2004. $39.96 was withdrawn from my checking account on Monday, November 8, 2004. I would like to know what is taking so long for my final loan documents to arrive. Naturally, I am uneasy about the process because it is done completely over the web, and your company has my complete banking information and since withdrawing my money, I have not heard a word from you. Please contact me via email N****R****B*****@aol.com or by phone 203-5**-**80 as soon as possible.
My approval number is A47***M*70
Name: N**** R**** B*****.
Nadia
Stamford, Connecticut
U.S.A.
6 Updates & Rebuttals
Charlie
Lake Forest,California,
U.S.A.
We regret your experience!
#2UPDATE Employee
Wed, November 24, 2004
We regret to loose your business which was not our intention. Due to the Holiday Season getting very close, we have been up to this point understaffed and overwhelmed with over two thousand applications a day with staff able to only handle about half. Since then we have been able to bring on additional help to rectify this urgent situation. You are welcome to resubmit your application. We have since been able to modify and upgrade the application process to same day delivery including the final loan term agreement, within hours instead of days. So now you can use your loan the same day and finalize the purchase and secure a shipment date. Depending on where you live, we can have the product in your hands in as little as 48 hours form the time you apply and submit your application as long as it is between 9 am until 6 pm Pacific Time Mon through Fri. Again we are sorry for your negative experience and hope you change your mind in the near future and make your purchase through our Store. CircuitMicro.com
Nadia
Stamford,Connecticut,
U.S.A.
**Received Refund from Circuitmicro**
#3Author of original report
Mon, November 22, 2004
I received my refund from Circuitmicro today. Everything appears to be over and done with, hopefully it will stay that way.
Nadia
Stamford,Connecticut,
U.S.A.
Circuitmicro's 1st and only reply to one of my emails
#4Author of original report
Fri, November 19, 2004
Less than an hour after I sent my last email to them, I finally received a reply: Subject: RE: CANCEL PROMTLY Date: 11/19/2004 12:41:05 PM Eastern Standard Time From: [email protected] Reply To: To: [email protected] Dear N**** ****** We regret that we are unable to further assist you,. A refund has been issued back to your account as requested, please allow up to 2 business days for this to take effect. Transaction Tracer ID: 1******* amount $39.96 Please Note: Since your previous email asking for status, we have emailed you up to date on three different occasions without an answer back from you. Our conclusion to this miscommunication is either your email box junk mail setting are set too high, ands the email is getting deleted, or you supplied an incorrect email address Sincerely Customer Service www.CircuitMicro.com Their claim of my junkbox settings being too high are completely false. I received their first email without a problem and I received this reply without a problem as well. Both messages went straight into my inbox not my spam folder and even if they had gone into my spam folder I would have received it as I periodically check my spam folder for bounced messages. This is just another example of their fraudulent ways. I am grateful that I found the reports on this site otherwise I would have continued on with the process with these people and might be out thousands of dollars like some of the others. I will check back with an update in 2 business days after I am supposed to receive my refund from them.
Nadia
Stamford,Connecticut,
U.S.A.
Circuitmicro's 1st and only reply to one of my emails
#5Author of original report
Fri, November 19, 2004
Less than an hour after I sent my last email to them, I finally received a reply: Subject: RE: CANCEL PROMTLY Date: 11/19/2004 12:41:05 PM Eastern Standard Time From: [email protected] Reply To: To: [email protected] Dear N**** ****** We regret that we are unable to further assist you,. A refund has been issued back to your account as requested, please allow up to 2 business days for this to take effect. Transaction Tracer ID: 1******* amount $39.96 Please Note: Since your previous email asking for status, we have emailed you up to date on three different occasions without an answer back from you. Our conclusion to this miscommunication is either your email box junk mail setting are set too high, ands the email is getting deleted, or you supplied an incorrect email address Sincerely Customer Service www.CircuitMicro.com Their claim of my junkbox settings being too high are completely false. I received their first email without a problem and I received this reply without a problem as well. Both messages went straight into my inbox not my spam folder and even if they had gone into my spam folder I would have received it as I periodically check my spam folder for bounced messages. This is just another example of their fraudulent ways. I am grateful that I found the reports on this site otherwise I would have continued on with the process with these people and might be out thousands of dollars like some of the others. I will check back with an update in 2 business days after I am supposed to receive my refund from them.
Nadia
Stamford,Connecticut,
U.S.A.
Circuitmicro's 1st and only reply to one of my emails
#6Author of original report
Fri, November 19, 2004
Less than an hour after I sent my last email to them, I finally received a reply: Subject: RE: CANCEL PROMTLY Date: 11/19/2004 12:41:05 PM Eastern Standard Time From: [email protected] Reply To: To: [email protected] Dear N**** ****** We regret that we are unable to further assist you,. A refund has been issued back to your account as requested, please allow up to 2 business days for this to take effect. Transaction Tracer ID: 1******* amount $39.96 Please Note: Since your previous email asking for status, we have emailed you up to date on three different occasions without an answer back from you. Our conclusion to this miscommunication is either your email box junk mail setting are set too high, ands the email is getting deleted, or you supplied an incorrect email address Sincerely Customer Service www.CircuitMicro.com Their claim of my junkbox settings being too high are completely false. I received their first email without a problem and I received this reply without a problem as well. Both messages went straight into my inbox not my spam folder and even if they had gone into my spam folder I would have received it as I periodically check my spam folder for bounced messages. This is just another example of their fraudulent ways. I am grateful that I found the reports on this site otherwise I would have continued on with the process with these people and might be out thousands of dollars like some of the others. I will check back with an update in 2 business days after I am supposed to receive my refund from them.
Nadia
Stamford,Connecticut,
U.S.A.
Circuitmicro's 1st and only reply to one of my emails
#7Author of original report
Fri, November 19, 2004
Less than an hour after I sent my last email to them, I finally received a reply: Subject: RE: CANCEL PROMTLY Date: 11/19/2004 12:41:05 PM Eastern Standard Time From: [email protected] Reply To: To: [email protected] Dear N**** ****** We regret that we are unable to further assist you,. A refund has been issued back to your account as requested, please allow up to 2 business days for this to take effect. Transaction Tracer ID: 1******* amount $39.96 Please Note: Since your previous email asking for status, we have emailed you up to date on three different occasions without an answer back from you. Our conclusion to this miscommunication is either your email box junk mail setting are set too high, ands the email is getting deleted, or you supplied an incorrect email address Sincerely Customer Service www.CircuitMicro.com Their claim of my junkbox settings being too high are completely false. I received their first email without a problem and I received this reply without a problem as well. Both messages went straight into my inbox not my spam folder and even if they had gone into my spam folder I would have received it as I periodically check my spam folder for bounced messages. This is just another example of their fraudulent ways. I am grateful that I found the reports on this site otherwise I would have continued on with the process with these people and might be out thousands of dollars like some of the others. I will check back with an update in 2 business days after I am supposed to receive my refund from them.
