• Report:  #108918

Complaint Review: Guardian Financial - Champlain New York

Reported By:
- mount prospect, Illinois,
Fri, September 17, 2004

Guardian Financial
Champlain, New York, U.S.A.
Tell us has your experience with this business or person been good? What's this?
I almost went insane when i happened to type in guardian financial on a shearch and found this page. the exact thing happened to me, the $249 from my account on august 6th, and now it is september 17th and nothing. i actually called today, and asked what was up. they told me it was in the mail, so i demanded a tracking number.

then according to the united states postal service, it was recieved at the Champlain post office on AUGUST 31st. So now it is lost?? i am going to follow what the rest of you have reccomended, and give this advice: If it's "in the mail" GET A TRACKING NUMBER. also, BOYCOTT MEIJER. I applied for a Meijer credit card in rolling meadows illinois, and they most likely sold my info to guardian financial.


mount prospect, Illinois

sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company your comments on this policy are welcome! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

1 Updates & Rebuttals


mount prospect,

#2Author of original report

Fri, September 17, 2004

I got the package with the junk mail today. it told me the card will arrive in 25 MORE business days. i went to my bank and took care of the Federal Regulation E form, and then i noticed something. they say it comes in 25 business days. i recieved my package 30 DAYS after my debit date. the letter inside said wait another 25 days for the card. now, if it works the same way, the card would come in 30 days, or even more! that totals 60 days, give or take. reading the advice on this page, it says it is very difficult to file a claim with regulation E after 60 days. if this company is as fraudulent as they seem, here is how it might work with an uninformed victim: 1)they debit your account, lets say on the first of the month, for 250 bucks. 2) 25-30 business days go by as you wait for the package 3)the package tells you to wait 25 more business days for the actual card. 4) i havent let it get this far, but i'm theorizing that the card does not come after 25 business days. so the uninformed victim is like: "hey, where is it?" so they try calling guardian, and try other things for a few days. EVEN if they learn about regulation E, by then in many cases, it is too late or too much of a hassle. they give up and guardian keeps their money. here's the equation: 30 days for package telling you to wait for card + 25 days you wait for the card, until you realize it isnt ther = 55 days + (let's say 7) days you try to contact guardian = grand total of 62 days this is only an estimate. but in the end, i believe this company strategically makes you wait long enough so that unless you are hardcore with your bank, they keep the $250.

Reports & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!