Complaint Review: CircuitMicro.com - Lake Forest California

Randy, Did you even bother to notice that Heather stated the first part was copied from a post you made, then she copied and pasted what was on your website in December, and then even went so far as to say that, yes, that information is NOW on your website (when it wasn't before)? You have my nomination for stupid businessman of the year, right behind James Stewart from Great Cars & Trucks.

Heather, You may want to read the terms above again, as they do state the application fees. See paragraph # 9; Inevitably this also reflects your statement about the fees a few months back, where you also claimed there weren't there, just like you are claiming they are not there again in the terms above. They are listed in paragraph # 9, In case you missed the statement above, it is in paragraph #9 Please note; # of the paragraph is #9 This is all I have to say, and I do not want to insult anyone's intelligence, but next time you may want to pay closer attention to what you actually are reading. See # 9, for the fees, Just a reminder; see #9 for the fees, not #8, please see # 9.... Don't forget, its # 9.... Incase you missed #9, below is what is states 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

As per http://www.ripoffreport.com/reports/ripoff123926.htm You posted your website stated this: THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT PROHIBITS CREDITORS FROM DISCRIMINATING AGAINST CREDIT APPLICATIONS ON THE BASIS OF RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, MARITAL STATUS, AGE (PROVIDED THE APPLICANT HAS THE CAPACITY TO ENTER INTO A BINDING CONTRACT); BECAUSE ALL OR PART OF THE APPLICANTS 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 IS THE FEDERAL TRADE COMMISSION, ECOA COMPLIANCE, WASHINGTON, DC 20581 By pressing the submit button above, you guarantee that you are at least 18 years old and the data above is complete, true and accurate to the best of your knowledge. You further authorize Circuit Micro and their affiliates to verify the data included in this application in whatever way deemed necessary and appropriate. CREDIT You must meet the following credit criteria in order to get financed: 18 years of age, U.S. resident, verifiable social security number, minimum combined household gross monthly income of $1600 and have no un-discharged bankruptcy. CircuitMicro.com inc and their affiliates reserve the right to decline an application if the applicant has a current active loan with us or formerly had a loan account with CircuitMicro.com inc and defaulted under the terms of that account California Residents - A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit reporting reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. You have the right to prohibit the disclosure to marketers of goods or marketing information concerning you, which discloses your identity. New York Residents - Consumer reports may be requested in connection with the processing of this application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies, which have provided us with such reports. Kentucky Residents - You may pay the unpaid balance of your account in whole or in part at any time. You must be of legal age to obtain credit. You authorize CircuitMicro.com and there affiliates to obtain a credit report on you from consumer reporting agencies and to make such other investigations and inquiries as they deem appropriate, for any legal purpose. Any legal purpose includes consideration of this application and subsequently any update, further extension of credit, review, or collection of your account. You are submitting a request for a loan pre-qualification, a loan application thru Circuit Micro (hereinafter, a "Request"). Circuit Micro can only give you the benefits of our service by conducting its business through the Internet. If your request is denied, you will be informed whether any credit report was requested, and if so, the name and address of the consumer reporting agency furnishing this report. Your initial credit limit and rate will depend on how you meet the established income and credit standards not limited to a valid Us Bank account for repayment ability. Multiple applications received by the same lender within a 90-day period may be treated as duplicates and only the original application will be considered. Any orders cancelled in the first 30 days (if) and (or) after any payment or payments are received are subject to approval. Approvals for cancellations are by the lender to determine if you are obligated under the contract to pay reasonable cancellation or penalty fees. There are no Refunds on Financing. Monthly payments estimated on the site are based on standard product price (excluding shipping/handling/taxes), on a 48 month term, at 14.99% OAC. Rates very from 14.99% and up to 21.99% APR. The APR is not guaranteed and may change. Actual payment amount and repayment terms vary. Repayment terms are from 12 to 48 months, For qualified Buyers, a 0% Apr (180 days same as cash) is available. 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. Please Do Not give us closed or incorrect account numbers, It will only prolong the processing of your application and also trigger additional and unnecessary verification steps by the finance company, since this will raise a red flag. If your payment is dishonored by your financial institution due to insufficient funds, You agree to pay a service charge of $25.00 (US), or the maximum allowed by law. You also agree that we may electronically collect returned items, service charges and other applicable charges. This payment transaction, and any associated collection efforts will be governed by the laws of the State of California, USA. By completing and submitting a Request through CircuitMicro.com you acknowledge the receipt of this document. Submitted: 12/23/2004 11:11:46 PM Modified: 12/24/2004 12:55:29 AM When I read the exact same page on your website at 2:15 EST on Dec 25th THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT PROHIBITS CREDITORS FROM DISCRIMINATING AGAINST CREDIT APPLICATIONS ON THE BASIS OF RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, MARITAL STATUS, AGE (PROVIDED THE APPLICANT HAS THE CAPACITY TO ENTER INTO A BINDING CONTRACT); 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 IS THE FEDERAL TRADE COMMISSION, ECOA COMPLIANCE, WASHINGTON, DC 20581 CREDIT You must meet the following credit criteria in order to get financed: 18 years of age, U.S. resident, verifiable social security number, minimum combined household gross monthly income of $1600 and have no un-discharged bankruptcy. CircuitMicro.com inc and their affiliates reserve the right to decline an application if the applicant has a current active loan with us or formerly had a loan account with CircuitMicro.com inc and defaulted under the terms of that account California Residents - A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit reporting reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. You have the right to prohibit the disclosure to marketers of goods or marketing information concerning you, which discloses your identity. New York Residents - Consumer reports may be requested in connection with the processing of this application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies, which have provided us with such reports. Kentucky Residents - You may pay the unpaid balance of your account in whole or in part at any time. You must be of legal age to obtain credit. You authorize CircuitMicro.com and there affiliates to obtain a credit report on you from consumer reporting agencies and to make such other investigations and inquiries as they deem appropriate, for any legal purpose. Any legal purpose includes consideration of this application and subsequently any update, further extension of credit, review, or collection of your account. You are submitting a request for a loan pre-qualification, a loan application thru Circuit Micro (hereinafter, a "Request"). Circuit Micro can only give you the benefits of our service by conducting its business through the Internet. If your request is denied, you will be informed whether any credit report was requested, and if so, the name and address of the consumer reporting agency furnishing this report. Your initial credit limit and rate will depend on how you meet the established income and credit standards not limited to a valid Us Bank account for repayment ability. Multiple applications received by the same lender within a 90-day period may be treated as duplicates and only the original application will be considered. Any orders cancelled in the first 30 days (if) and (or) after any payment or payments are received are subject to approval. Approvals for cancellations are by the lender to determine if you are obligated under the contract to pay reasonable cancellation or penalty fees. There are no Refunds on Financing. Monthly payments estimated on the site are based on standard product price (excluding shipping/handling/taxes), on a 48 month term, at 14.99% OAC. Rates very from 14.99% and up to 21.99% APR. The APR is not guaranteed and may change. Actual payment amount and repayment terms may vary. Repayment terms very from 12 to 48 months, you also may be eligible to receive 0% Apr, for 12 months per our current promotion of (12 months same as cash promotion) I therefore conclude that you either added the information to your post to make yourself look better, or that there has been a chnage in your website. I have infact gone through to the second page of yor application, where AT THIS TIME, it does state the 39.99 fee, which I mentioned in my previous response. I therefore conclue, again, that the webiste has been changed as it was not there previously. Insult me all you like, I can sleep at night. I doubt you can.

The fees have been listed in the terms since the first day they were charged. I know you hope and think that somehow you are Heather the Circuit City Brown Nose, and have cracked the biggest case since the Gambino family, and perhaps just maybe we are a bunch of idiots like and forgot to list a major item such as the application fees in our terms. Not a chance, further more the simple knowledge of reading skill is needed for one to be aware of the fees, including reading the email which is sent out. Perhaps maybe we are expecting to much of you, thinking you can actually read, but again, since you have to know how to write, and fill out a credit app., naturally we assumed you may posses this knowledge, but then I again, you never did apply or read any of the terms, if I remember correctly, since getting to and reading page # 2 was mission impossible for you and you couldn't understand that there are 2 parts for the credit app and not only just one. Have you gotten over that trauma yet, from this Heather? I know you were quite confused why there are 2 pages instead of only one. I know that obviously this is a lot more then you can muster up and handle, but again we make you agree that you have read the terms before you can submit the app for processing on page # 2, yes page # 2, this would be the page where you can test those Circuit City Brown Nosing reading skills, and put them to the test, and read about those pesky little fees that we forgot to list in there. Oh, and no one ran away, rather just got sick and tired of dealing with you, especially since you lack the simple knowledge of common sense. By the way, don't you have some Brown Nosing to be doing right now? There are plenty of Circuit City complaints for you to be ridiculing the consumer on that you do so well. Get Lost! And most of all get a life Heather. Since sadly enough, right now, this is you life. How Pathetic.

for months you (randy) posted copies of your Application terms, and the fee was not mentioned. Even though you stated at the end it was. We never did finish that arguement, you ran away! To the Original Poster, I suggest getting together with all the others screwed by this man and his company to get records of when his website was updated to include the processing fee. As it was not mentioned previously, and without knowing when it was changed, you have litte ground to stand on, unless you copied and pasted the terms at the time of sale, which btw, i suggest in the future. it should be clearly stated that there is a charge for processing. However, this owner doesn't feel he needs to be nice to customers in the least, as per his own posts, customers are needy, whiney and not worth his time.

The fees are stated and have been since day one. Further more you have agreed to the terms for the application to be processed, and check a box that states (I Agree) that is highlighted in yellow just so you don't miss it. If after all of this you still don't read it, and just mark it as you did, well then I have no comment. CONCLUSION, IF YOU DO NOT WANT TO PAY THE FEE, THAT I MIGHT MENTION, IS APPLIED TOWARDS WHAT YOU ARE BUYING, THEN DO NOT APPLY SINCE I'LL BET THERE WAS A 99.9% CHANCE THAT YOU WERE NOT BUYING ANYTHING TO BEGIN WITH, AS THIS ALWAYS IS THE CASE. A PERSON THAT IS ACTUALLY BUYING SOMETHING DOESN'T MIND THE FEE, SINCE IT IS CREDITED BACK TOWARDS THE PURCHASE. ONLY THE APPLICANTS WHO WANT TO WASTE OUR TIME SEEM TO HAVE AN ISSUE WITH THIS, AND CONVENIENTLY THEY DIDN'T SEEM TO SEE IT EVEN AFTER IT STARED THEM IN THEIR FACE.

The person that responded is the owner of CircuitMicro, and believes that he cannot be caught. You simply need to contact your bank about fraudulent activities With his lil comment about credit, i would have your creidt report checked and you can appeal if they have put a mark on your credit, as you did not purchase anything from them. Ppl need to gather together and nail this guy with his lil processing fee. Thats probably the only way he makes his money.

The fees are stated and have been since day one. Further more the applicant has to agree to the terms for the application to be processed, if the applicant chooses not to accept the terms, you have a choice of not submitting the application. Plain and simple, if you did not read the terms and agreed to them anyway and submitted your application, you are still liable for the fees. Inevitably if you have read any of them or not, it is a choice left up to you. We have no control over your actions. It's your responsibility to educate your self about the transaction you are about to submit, the info is supplied, al you have to do is read it before you submit. If you do not want to pay the fees, DO NOT APPLY! Further more, the rest of this complaint sounds like nothing but a cheap shot and a lie, for who ever reads this to feel sorry for you since you think you are a victim of something fabricated and ultimately your doing to begin with. Please note, After the fees have not been paid for 12 months, they are reported to your credit as a negative and sent to a collection agency, which may also reported to your credit as well.