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New York State Office of the Attorney General - Page 2


20 Reviews & Complaints
www.ag.ny.gov
nysag@oag.state.ny.us

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False charge due to delayed payment
Posted by Jang on 04/18/2006
POUGHKEEPSIE, NEW YORK -- As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

I purchased water softener and drinking system from Culligan company on Feb 2005 and got a “1 YEAR SAME AS CASH” finance promotion for about $2700 through Culligan Finance Company (A division of Aqua Finance Inc.). I paid minimum payment every month for 11 months without any delay and finally sent the last payment of $2,032.49 on last Feb 2 through the on-line bill payment of my bank Hudson United Bank to meet the last payment due date Feb 12. The money was withdrawn from my account on Feb 6 and the bank said the check was actually sent out on Feb 3. However, the Culligan Finance said it has been arrived on Feb 13, the next date of the due date and charged me $423.87 of accrued interest for one year. My bank and I contacted to Calligan Finance Company and showed them the cleared check saying that it was written on Feb 4 but they wouldn’t consider it and keep asking me to pay the interest due the payment delay. I feel very bad about this problem and the Culligan Finance Company looks very greedy. I know I can not complain to US postal service about delayed mail because they don’t guarantee that delivery date for regular mail. I thought Feb 3 is early enough because normal delivery of first-class mail can be done within 3 days. And this is true for my previous payments to this company. How can it be delivered for 11 days ? Unfortunately, the last payment due date (Feb 12) was Sunday when mails are not delivered. I asked Culligan Finance Company to consider this but they don’t care about it. Finally they waived $123.87 and want me to pay $300 until the end of this month. But I think $300 is still false charge and, I’d like to take any action to avoid paying it. I even suspect that the Culligan Finance Company held my check on purpose to charge me the large amount of interest. Please let me know whom I have to complain about this and how I can do it.

As a resolution, I would like the following:

I want to take any legal action if I can avoid this false charge or reduce some of them.

Please contact me if you need more details regarding this incident.

     
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Posted by Hugh_Jorgen on 2006-04-18:
I think it would help if you could look at the previous 11 payments and see how long it took to get the checks registered after they were mailed. If, for example, the previous checks averaged 5 days and now all of a sudden this last payment takes 11 days it would be enough to question their processes and it might be enough to make Culligan wonder if they really want to sue you over $400 with such flimsy evidence.
Posted by viperpa33s on 2006-04-18:
People that I have talked say the rule of thumb for mailing a bill is 5 business days. You should always give yourself that amount of time. As for Culligan, they are wrong. If the check was cleared 3 days after it was sent, then that means they had the check and someone would of had to enter it into the system. Saying they received it 10 days later when it was already cashed don't cut it. Good Luck in getting it resolved.
Posted by Slimjim on 2006-04-18:
I'm thinking with Viper. If the check was presented and drawn on 2/6, then Culligan obviously received it and deposited it well before the due date. You have your proof that they did receive it before they are claiming and I would make sure they understand that in your efforts for resolution. They have much more to lose legally by pushing it then you do.
Posted by KenPC on 2006-04-19:
Ask your bank for a copy of the cancelled check, front and back. The back of teh check will show the date it was processed. If that date is on or before the 12th, you are golden.
Posted by pearl on 2006-06-09:
I just had the same thing happen to me..2700 for a six month contract. I paid one sixth each mo.(460) and was assessed total interest at the end because they said my check was three days late. Even though another date of the first of the next month appeared on the bill.
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Internet Fraud
Posted by Lmbrocato on 06/20/2005
BROOKLYN, NEW YORK -- As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

Order number #0137469, Date 4/12/2005SKU Description Quantity Unit Price Price
RBLA660 1000 Watt High Performance 4 C 1 $92.59 $92.59
Tax Amount $0.00
Total $96.23
Business Name: Quality Car Audio
I ordered the above item. It was listed as refurbished with a five year warranty.I received it in a box without a receipt or any proof of purchase. It looked as if it had been in a car accident. It was scratched on all sides. The installer said it was defective had had a loose wire in it. I e-mailed this cpompany within 24 hoursw of receipt. I e-mailed ever single department requesting a return authorization number. No answer. I filed a New York Better Business Bureau complaint with no answer. Basically They stole almost $100 and sent me a box of scrap metal!!!
Mailing Address:
Quality Audio Inc.
5314 16Th Ave. #083
Brooklyn NY 11204

Company Address
1 Liska Way Suite 303
Monroe NY 10950
1-877-459-0701

Fax: 718-504-4856

As a resolution, I would like the following:

A call tag to pick up this piece of metal and a refund.

Please contact me if you need more details regarding this incident.
     
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AOL service to Apple computers
Posted by Hondo on 05/21/2005
LARCHMONT, NEW YORK -- As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

AOL provides far less features for Apple computers than for Window-based systems; yet, the monthly fees are the same. AOL should either reduce their fees for Apple users or bring AOL for Apple up to par with Window-based systems.

Please contact me if you need more details regarding this incident.
     
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Posted by Slimjim on 2005-05-22:
You know, it's not against the law to not have as good a deal as the next guy. If A&P ran a two for one that Shoprite doesn't, does the consumer protection office need to act? Not a very valid complaint an AG"S attention, if anyones.
Posted by LegalCollector on 2005-05-23:
Both AOL and Apple are crap. You get what you bought. Theres a reason why the vast majority of PC users run Windows and Cable/DSL.
Posted by bill on 2005-05-23:
SlimJim is right. There is nothing here for the NY AG to investigate.
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Poor account handling, didn't follow proper protocol
Posted by Elda109 on 05/10/2005
As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.



Please contact me if you need more details regarding this incident.

     
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America Online's Federal Violation
Posted by N2uut on 03/20/2005
CHITTENANGO, NEW YORK -- As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

Hello: I am a duly Licensed Amateur Radio Operator with a license that was issued to me by the Federal Communications Commission.
I previously used my call sign on AOL for many years. I still use it on the Internet as tells others that I am a Amateur Radio Operator.
My problem is this. America Online is saying that they own all of the screen names on their service. I wanted to cancel my membership on their 'paid' service and keep the ID (N2UUT) to be used on their free Instant Messaging program. I have alot of clients that contact me that way for service calls as I run a small business in Chittenango,NY. AOL also says that if I cancel my 'paid' sevice, the ID cannot be used by anyone for a period of six months. At the end of that time frame, they can issue that ID to whoever they want.
Three important points:
1. It is a Federal violation for anyone other than myself to use that ID anywhere for anything.
2.America Online's call center says that they own that screen name and they will do whatever they want with the screen name.
3. America Online also says the only way I can keep this ID is to pay a fee each month to prevent someone else from using it.

This is not only illegal, it is morally wrong!!!

As a resolution, I would like the following:

I want this situation corrected as America Online is getting to much control and is way out of line on this one. They have many Amateur Radion Operators that are not aware of what will happen should they decide to leave AOL.
I can understand that they keep any 'regular' screen name that is not a legal document such as a Ham Radio Operator's call sign.
If they continue on this course with these licenses, they are putting themselves in direct violation with the Federal government with the same agency that watches what they do to operate their corporation I would imagine.

I look forward to your comments and your resolve on this issue.
I can be contacted by email or by telephone at 315-491-5866

Please contact me if you need more details regarding this incident.
     
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Posted by compwiz on 2005-03-20:
1. Log on to AIM with your AOL S/N and Password once
2. Cancel AOL Account
3. The AIM Account will still be active

Problem solved.
Posted by CMBOB on 2005-04-12:
When I first got involved with computees, strictly as a leisure pastime I figured that AOL was rhe premier ISP. It didnt take me long to become disenchanted with their service.
If I was writing an E Mail that was longer than they allowed I would get cut off.
I went to Earthlink for several years and even used their DSL program and modem. Then I figured they had outsourced their Support to India or somewhere. Originally their support was great but it went sour to me.
I now use Adelphia,my TV Cable provider, and their DSL system. No problems.
Posted by n2uut on 2005-12-24:
Closing the AOL account is not the issue. It is the ILLEGAL use of a license that was issued by the Federal Communications Commission that previously AOL refused to acknowledge.
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Lousy Service
Posted by on 09/16/2003
NORTHERN, NEVADA -- J.D. Marvel Products, Inc. should not be allowed to stay in business. All they are interested in is our $$$, and don't follow up on any problems after they sell you their merchandise. They have gotten their last order from us (and if we don't get our refund soon, we plan to take further action thru our State Attorney General's Office Fraud Unit). It's not the money that we're out, but rather it's how Marvel totally ignores any correspondence you send them -- but they sure take your money in a hurry!!
     
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cashed the check, never sent the product
Posted by Fkoppola on 09/15/2003
BROOKLYN, NEW YORK -- As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

These people were allowed to advertise their products in NY newspapers, I sent a order for my 90 year old mother because she can't leave the house for shopping, these slimy JD Marvel people, cashed the check and never sent the Moccasins I ordered, (been 11 weeks now) Either the Canadians, (fat chance) or the U.S.State attorney office should put them out of business so they cant prey on anyone else, especially americans, let them sell to the French, in France, they deserve it!

As a resolution, I would like the following:

I would like the Moccasins for my mom or a refund, and see that they no longer can advertise on the internet or the papers, etc.

Please contact me if you need more details regarding this incident.
     
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Poor Service
Posted by Dtick on 09/08/2003
On April 28,2003 My mother who is 83 years old ordered 3 pair of slippers from J.D. Marvel Products Inc. Received a copy of the cashed check 14 days later. She has yet to receive the slippers and todays date is 9-8-03.

     
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Posted by Anonymous on 2003-09-19:
J.D Marvel Products is a bogus company and I refuse to believe that it is so hard to stop these people from stealing the way they do. Can someone please help with this?
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Complaint
Posted by on 09/04/2003
Ordered 4-14-03. Item never received. Got notice on 7-7-03 that there was a delay but delivery would be made. My check had been cashed. Still have not received item. Is this a scam?
     
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Parole Violation
Posted by Dml224 on 05/24/2002
TUCKAHOE, NEW YORK -- As a honest consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

A former employee was to pay back restituion to my company and has not nor has the Parole Officer done anything about this. The amount taken was $55,500.00. He was to make payments in the amount of $500 a month. Currently he is in arrears of $3,500.00.

As a resolution, I would like the following:

Want him to pay or to have his parole revoked. The Parole Officer does not return phone calls.

Please feel free to contact me if you would like more details regarding this incident.
     
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