Wednesday, July 02, 2008

It's a Scam: 1-800-540-1288 Meridian Financial

I have always appreciated caller id because it allows me to duck calls from telemarketers who have no respect for the "do not call" list. Caller id also gives me the chance to research a number before I decide if I should return the rare voicemail.

Thank goodness for websites that share information on these "800" numbers that never have a name attached. One I just let go to voicemail earlier this afternoon turns out to be mortgage scammers.

If you get a voicemail from "Linda" claiming to be with your mortgage company, offering you a 5.875% loan, and urgently telling you call "James" the senior underwriter at 1-800-540-1288, ext. 1722, it's a scam.

Based on my research, this number is for Meridian Financial, a company that buys mortgage data from legitimate companies and tries to get you to refinance a new 30-year mortgage at a higher rate (most 30-year mortgage rates are less than 5% currently).

You may also see "Petry Maintenance" or a variation of that company name on your caller id, but it's still Meridian Financial.

Just remember: if your real mortgage company wanted to refinance your loan, they would send you a letter and have you contact them. That's how legitimate companies do it.

Tuesday, May 06, 2008

Legal House Calls

Wow, hard to believe it's been almost one month since I last posted! I have lots of ideas and will be posting frequently the next few weeks.

However, I post today to share an interesting item related to customer service: an attorney who makes house calls!

We've all heard stories about how doctors used to make housecalls frequently in "the old days," and some doctors have started doing that again in recent years, but I have never heard of an attorney who makes house calls.

I met Mark Spellman, Esq., while witnessing some legal documents for a neighbor, and was fascinated by this concept. There's a need out there for wills, trusts, and estate administration, but most of us put it off because we would have to make an appointment, go to the lawyer's office, take time off work, and maybe get caught in traffic or have to miss another event we'd rather attend.

With Legal House Calls, all these issues are eliminated, and the transaction is handled professionally, promptly, and easily. This is an excellent example of finding a need and filling it.

And, considering in the Greater Washington, DC, area you can spit and hit a lawyer, it's a wonderful way to stand out in the legal community.

Check out Mark's website, which is listed under Worthy Resources (the list to your left).

Wednesday, December 19, 2007

Starbucks: Their LAME Response

Last week, I posted about my very poor experience at my local Starbucks. After posting, I went to the Starbucks website and sent them an email with the link to my blog and the message "read about my poor customer service experience."

This is their LAME response:

"Thank you for your interest in Starbucks Coffee and for taking the time to contact us.

Unfortunately, the nature of your email message is unclear to us. If you would restate the question or give more details on what information you would like, we would be happy to respond to your query.

Thanks again for your interest in Starbucks Coffee. If you have specific questions not answered at the Starbucks site, please feel free to e-mail us at Webmaster@Starbucks.com or call any of our phone representatives at 800-STARBUC (1-800-782-7282).

Warm regards,
Joseph N.
Starbucks Coffee Company"

Here is what I wrote them back (minus the copy of the original blog):

Your corporate policies stink, that is what is the nature of my complaint, and
your bad attitude is filtering to the local level.

I did not receive quality customer service, and you did not "create an enjoyable
experience" for me. I will no longer patronize any of your Starbucks stores,
nor will I purchase any of your products.

I will also encourage my friends and family not to patronize Starbucks, and I
will discourage them from giving your products as gifts -- especially gift
cards.

Since you are obviously too lazy to click a link and read the information I have
posted on my blog, I have copied the text and included it below; it outlines my
poor customer service experience, and also states my opinions on the sad state
of your corporate attitude.


The corporate rot continues . . . .

Friday, December 14, 2007

Starbucks: We are SO Over.

This afternoon, I went into my local Starbucks at 8399 Colesville Road in Silver Spring, MD, to buy $100.00 worth of Starbucks gift cards. Now, you would think that any merchant would be happy to get $100.00 worth of business without even trying. I bought a large amount of gift cards during last year's holiday season at this same location with no problem at all.

Not this year. Today the manager informed me that I would have to go home and order them on the website. Yes, that's right: he told me to leave, with my $100.00, and order the gift cards online. Why did he tell me this? Because the computer would tell him to say that. Yes, as we feared, the computers are taking over. The manager of this Starbucks is being told what to do by a computer, which obviously overrides his own free will and reason.

Now, if I had wanted to order the gift cards online I already would have. I do almost all of my shopping online because I do not like to shop. If I go into a store to buy something, there is a very good reason: I need my purchase sooner than I can get it shipped.

Customer service is supposed to be what Starbucks is good at, but anyone who watches the business news knows that Starbucks is faltering. Take my experience this afternoon and multipy that by at least a few thousand, and you see a trend in poor service and lack of consideration for customers, which is likely the slow rot eating away at this once admired organization. And again I point out: what merchant in their right mind turns away $100.00 in sales?

I informed the manager that if I wanted to buy them online I already would have, and that I made a large gift card purchase last year in this very same store. He said that corporate headquarters tells them to say this to people now (via their evil machines I assume). So the manager abdicates all responsibility; it is either the computer or corporate pulling his strings. This is a sad statement about the attitude that the once great Starbucks has now adopted; it's not about the customer any more. It's about what corporate wants.

Another thing to keep in mind: I was there at almost 3:30 pm in the afternoon. There was no crowd or long line, so no other customer would have been annoyed or inconvenienced.

If I had purchased $100.00 of their cheesy gift items (coffee cups, music, breath mints) they would have gladly taken my $100.00. But not if I want to buy $100.00 in gift cards.

The only one inconvenienced and annoyed was ME -- the customer who wanted to spend $100.00. I informed the manager I had $100.00 to spend, and I will spend it somewhere else. I finished my complaint with this statement: it will be a cold day in hell before I buy anything from Starbucks again.

So, Starbucks, we are over. SO over. I will never buy anything in a Starbucks again. If a Starbucks is the only place to buy a coffee, then I'll do without. There are plenty of places to get coffee so I doubt I'll have much trouble finding a place.

And I bet if I wanted to spend $100.00 in another coffeehouse or a diner, they'd be happy to take my money.

Saturday, October 06, 2007

TLC Veterinary Specialty Care: Our Experience

Editor’s Note: The following description is the experience that my husband, dog, and I had at TLC Veterinary Specialty Care in Leesburg, VA. Your experience will likely be different, but this is offered to help other consumers of veterinary medicine make better informed decisions about their animals’ health care.

What is not made clear to new customers at TLC is that it is **not** an animal hospital. It is a veterinary office building that houses nine different practices, one of which operates 24-hour emergency care. Each practice bills separately, so if you have to deal with more than one veterinary specialist, you will receive a separate bill from each practice. Also, they charge 1.5 to 2 times as much as other animal hospitals in the DC area.

While certain specialties are difficult to find for animals, such as oncology and neurology, there are options other than TLC in Leesburg, VA. Research these before making a final choice for your pet’s health; don’t just depend on one referral, even if it’s from your regular veterinarian. This was a mistake we made, and by sharing our experience, we hope to help others avoid this mistake.

Look around, get a second opinion, and don’t rush to a decision. We do things for our animals because we love them, but sometimes in trying to help, we end up hurting.
*************************************************************

On June 18, 2007, our dog had his annual check up, and other than the mild neurological symptoms that became serious six weeks later, his regular vet at Friendship Hospital for Animals told us she “couldn’t find a plum-pluckin’ thing wrong with him.” Despite our frequent mentioning of his recent exam and long-time care at Friendship, no one at TLC contacted them for consultation or to get his records. This adversely affected his treatment and led to additional unnecessary expenses for tests that were not needed.

On July 24, 2007, our dog was admitted as an emergency patient to TLC on the recommendation of a doctor at Friendship Hospital for Animals in Washington, DC. Upon subsequent examination, treatment, and tests, it was determined that he had spinal compression and required surgery to correct the defect.

On August 3, 2007, our dog received a dorsal laminectomy. At 9 am that day, the neurologist (Dr. Bush) reported that the surgery had gone “flawlessly.” There were no complications during surgery and the disk was corrected. He instructed us to call later in the day for an update.

At 7:15 pm on August 3, Dr. Bush reported that our dog was doing fine, except he seemed to be in a lot of pain and discomfort. Dr. Bush put our dog on four pain medications and a steroid the same day he was coming out of general anesthesia.

At 11:30 pm on August 3, we received a call from Dr. Bush that our dog had developed pneumonia because he was given a meatball and aspirated part of it in his left lung. He gave us a 50/50 chance that our dog would survive.

We received another call at 2 am from the critical/emergency care staff at TLC that our dog was doing worse and they wanted to know if they should ventilate him and/or do CPR. We said yes. We called back at 2:30 am to check on him and were told that he was completely unresponsive, and his respiration, heart rate, blood pressure, and body temperature were all very low. They did not expect him to make it.

We arrived at TLC at approximately 3:30 am on Saturday, August 4, 2007. Our dog was doing slightly better, in that he responded to our presence (opening his eyes and moving his head) but was still in bad shape.

These incidents in post-surgical care led to a chain of expenses we had to incur both at TLC Emergency Services and afterward. Prior to the surgery, we had expected Our dog to recover in our home a day or two after the operation. Instead, we were forced to pay an additional $3,791.81 in unplanned costs for lifesaving measures because our dog was transferred to another practice’s care – not the neurologists’ – as well as $1,683.71 to Friendship Hospital for Animals for additional supervised recovery care between the evenings of August 6 and August 8, as our dog was failing to thrive under the care of Dr. Barnes at TLC.

Again, these expenses from Friendship would have been completely unnecessary had our dog avoided coming close to death while under post-surgical care by the veterinary practice known as Critical Care Associates.

We had repeatedly warned all parties participating in our dog’s care at TLC that he was an atypical animal in his reactions to medications, anesthesia, etc. In fact, BVNS thoroughly documented these conditions in a neurology consultation memo conducted on July 24.

Due to the care our dog received post-surgery, which caused his health to be severely impacted, we had to draw substantially on our financial resources in order to ensure our pet’s wellness, in the expectation of having to spend $5,000.00 for the entire process. Instead, we incurred financially debilitating expenses of more than twice this amount – a condition from which we will not easily be able to recover for quite some time.

Beyond issues of money, however, is the physical and emotional toll this entire matter has taken on both of us. In the space of less than four hours, our feelings went from elation over a successful surgery, to disbelief that our beloved pet’s condition had deteriorated so rapidly, to the incredible stress of preparing to cope with his death.

During that time, and our dog’s stay in Friendship Hospital for Animals, we were taken on an emotional roller coaster ride all while driving hundreds of miles and losing many hours of sleep while attempting to maintain a regular work schedule. The latter was impacted even more adversely during our dog’s prolonged recovery at home, which required our constant attention and many missed hours of work.

While we naturally prepared to do this for a considerable amount of time, Our dog’s poor condition after surgery required a much more protracted period of intense care.

Meanwhile, during the 24 hours immediately following our dog’s surgery, we were counseled by Dr. Barnes to prepare ourselves for a possible decision regarding euthanasia, and in this stressful time, we were required to pay thousands of additional dollars we could barely afford or we would not be allowed to visit our dog.

TLC’s refusal to allow us to visit our dog for some six hours (between roughly 5 am and 11 am), contributed to the emotional duress we felt. We were in a precarious position from lack of sleep and emotional circumstances, and we were given no recourse or option other than signing the paper because our dog’s health was being held in the balance.

Perhaps worst of all, however, our dog was put through what was the most painful and distressing period of his life since he was a puppy some 12 years ago. Since it is our firm belief that dogs can retain some kind of memory of traumatic situations, we are convinced that his behavioral health will be affected by this terrible experience long after any physical symptoms have disappeared. Indeed, to this day our dog strenuously resists collars and other objects placed anywhere near his neck, and reacts in a defensive manner if you try to touch his neck too quickly.

Medicine is not an exact science, but the repeated lapses in judgment in our dog’s care resulted in a chain of events for which BVNS and TLC should bear at least some responsibility.

It was clear from Dr. Barnes’ attitude upon our initial meeting that she had no faith in our dog’s recovery, nor did she convince us that she would wholeheartedly work toward his recovery. Her initial advice after introducing herself was to suggest euthanasia because our dog was on oxygen and may not be able to breathe on his own again.

She neglected to acknowledge that our dog was on oxygen because of the post-surgical care he received that caused him to aspirate solid food. (No one we spoke with after this incident supported giving any living creature – human or animal – solid food the same day of surgery when general anesthesia is used.)

Our dog did not survive because of the care he received at TLC; he survived despite of it. It was our dog’s strong spirit, and our decision to move him to Friendship Hospital for Animals, that allowed him to recover and be with us today.

Monday, August 20, 2007

Comcast: Avoid Doing Business with this Company

When I was in Chicago last week for ASAE & The Center’s annual meeting, I noticed signs at the airport posted by AT&T encouraging consumers not to switch to Comcast.  AT&T’s argument was that Comcast would lure new customers with low introductory prices, but then would raise rates astronomically.

While AT&T makes a good point, I unfortunately have seen with my own eyes the nightmare of Comcast, and prices are the least of a consumer’s problems.  Comcast will not only charge you excessively for any of their services – and regularly increase rates with no accompanying increase in service – they will then refuse to supply the service you are paying for each month.

And because of Comcast’s franchise agreements with local governments, there’s very little a consumer can do.  Comcast has such a bad reputation in the greater Washington, DC, area that all you have to say is “I use Comcast” and the person you are talking to will say “I hate Comcast.” You don’t even need to ask their opinion – most people can’t spit it out fast enough.

Chicagoans – run away from Comcast!  Don’t waste your precious time or valuable money dealing with this company.

The worst decision I ever made as a consumer was subscribing to what Comcast calls their “Triple Play”: VoIP, digital cable television, and high-speed internet.  While the packaging and pricing seemed a good deal, and my husband was excited to try VoIP, the service was so bad initially that we didn’t pay for any of the services for FOUR MONTHS. 

That may sound good, but you have to factor in the lost time and energy devoted to getting all those credits because Comcast doesn’t give their customers credits for poor service unless you spend a lot of time bothering them about it.

My Comcast nightmare started May 15, 2006, and it has never ended.  I’ve just had a few respites.  The latest nightmare started last Wednesday, August 15, 2007.  While I was waiting for my plan at Midway airport outside Chicago, I decided to check my email.  After spending a lot of time figuring out the wireless situation there, I opened my account to find that ALL MY EMAILS WERE GONE.

Yes, every single one of them – all my folders, sent email, and trash.  I called Comcast to report this problem and to see what happened and when it could be fixed.  I was given a ticket number so I could check on my issue and I was told it would be fixed in 24 to 48 hours.

I checked again the next day, and all my emails were restored.  I thought, “whew.”  However, when I replied to a message from a new contact, my reply went to an ASAE listserv.  Then, I tried opening other messages.  What happened is that I would click on a message I wanted to read, and instead the next message would open, or the one before it.  But never the one I wanted to read.

I called to report this and had to get another ticket number.  Why?  Because someone at Comcast had decided my problem was resolved – when it obviously wasn’t – and had “closed the ticket.” 

Then, Friday rolled around.  I checked my account again, and I saw that I was receiving five or six copies of every message that came in, and the people writing me were getting three copies of my automated response telling them there was a problem with my email.  I got another ticket for that complaint because for some reason they couldn’t add the problem to the other ticket. 

Saturday, I just let it sit, hoping it would be fixed by Sunday.  I checked again on Sunday and the same problems were still going on; this time I didn’t get a ticket but I was told it would be ANOTHER 72 HOURS.

This morning, I checked my new email account (csassociationservices@ceciliasepp.net) and saw that I only got one copy of all my new messages from my Comcast account (fortunately, I was still able to set up my account to forward messages elsewhere).  I thought, “well this is progress.”

I decided to log in to check on my email account and the password Comcast gave me didn’t work any longer.  Neither did my old password.  You guessed it: Comcast changed my password and didn’t tell me.  So, I had to go in and change it again so I could use the account that I am paying for each month.

So, my email account that I use for my business is completely non-functioning, and this has been going on for nearly a full week.  No one at Comcast is returning my calls, nor has anyone offered to give me a credit on my account for my lost time, lost energy, and damage to my professional reputation. 

This is just one example of the nightmare you will enter if you become a Comcast customer.  They cannot deliver the services they advertise, and Comcast continues to increase fees while decreasing services. 

If you don’t have Comcast, don’t sign up for any services from this company.  Comcast is single-handedly making the case for cable competition through their poor customer service, refusal to respond to customer complaints, and inability to plan for growth to support their current system. 

Comcast also recently decided they can no longer be sued by their customers.  They unilaterally changed the service agreement – without permission from or notification to the Montgomery County, Maryland, government – so that customers must agree to binding arbitration rather than going through the court system. 

Customers could have opted out of this arbitration clause within 30 days of notification by signing up on the website.  Well, I looked for it but couldn’t find it.  Another example of what Comcast considers customer service. 

Let’s stop these franchise agreements that hold citizens hostage to companies that charge outrageous fees for ever dwindling service.  We want national cable competition and we want it now!

Wednesday, August 01, 2007

Ripped Off by Billy Blanks or The Firm??

Boycott all things Gaiam and GT Direct! 

Since posting my Consumer Affairs blog on the Billy Blanks Rip-Off, I’ve received comments from others who have had the same problems.  GT Direct Marketing, officially known as GT Media, Inc., consistently and regularly practices illegal tactics in selling a variety of items to the public.  Their best known items are “The Firm” exercise supplies and the Billy Blanks Tae Bo series.

Type their company name or products into an internet search engine, however, and you will find complaints and legal actions filed against this organization for the same offenses over and over: giving credit card information to other companies without permission, charging for items not received, and charging for items not ordered!

For example, in 2003, the State of New Jerseytook action against GT Direct for violating state consumer laws.  Since this company does business throughout the United States, it’s time to bring their illegal actions to light for everyone.

Why this company is allowed to do business is a mystery, especially since state governments are becoming aware of their unethical and poor treatment of consumers. 

What is most disappointing about this company is that they are owned by Gaiam.  Yes, that Gaiam, the one known for yoga, pilates, and green living.

If you don’t know much about Gaiam, they are the “lifestyle” company that focuses on green living and practicing yoga, among other aspects of a less stressful life.  I had been a loyal Gaiam customer for years because their business practices for that part of the company are completely different from their marketing subsidiary, GT Direct.

Gaiam doesn’t break the law or overcharge credit cards or give your credit card information to other companies without permission or send you products you didn't order.  However, this doesn’t relieve them of the responsibility for the unethical and at times illegal activities of their subsidiary, GT Direct, since they are the owner, and GT Direct is listed on their website as a Gaiam company.

The only way to get a point across to a corporation is to boycott any and all of their products.

At the end of this posting, I have listed the website and corporate contact information for both Gaiam and GT Direct.  If you are having any difficulties with billing or returning/receiving a product, take it to the top.

And, you can also find out which products they represent and market by checking both their sites.  I encourage everyone who has been ripped off by GT Direct to review these sites and refuse to purchase any products from these companies.

These companies also represent many well-known fitness industry leaders, like Billy Blanks, The Firm series, and Rodney Yee.  Boycott any and all products from individuals whose products are marketed by Gaiam and/or GT Direct as well.  When these individuals see their incomes drop, they will want to know why, putting more pressure on Gaiam.

It takes a little research, and maybe a few minutes writing an email or making a phone call, but if we can impact the bottom line of these increasingly notorious companies, it will be worth it.

Gaiam should not be allowed to hide behind its green façade while ripping people off through a subsidiary.  After my own wrangling with GT Direct earlier this summer, I have instituted my own personal boycott of all things Gaiam, after years of being a loyal customer.

Gaiam is flat out wrong, and they need to be held accountable.  Let’s rip off their mask and expose them for the deceitful company they truly are.  It’s obvious the only green they are interested in is other people’s money.

GT Media, Inc.
100 Park Avenue
New York, NY  10017
Phone: 212-951-3000
Email: information@gaiam.com
Website: www.gtmediausa.com

Gaiam Corporate Headquarters
360 Interlocken Boulevard
Broomfield, CO  80021
Phone: 303-222-3600
Fax: 303-222-3700

Tuesday, July 31, 2007

Harassed by Custom Response Telemarketing?

Are you being harassed by Custom Response Telemarketing? 

I have been lately, getting two to three calls per day for over one week!  When I answer they either hang up or there's no one there.  It's likely their automated dialer system, but that makes it more frustrating as you can't talk to anyone.

So, I got mad this morning when I got yet another call from these people and I did some internet research.  Custom Response Telemarketing is located in Nebraska, and they seem legitimate since they were calling me on behalf of someone I do business with regularly. 

If you see the number 308-345-1727 on your caller id, this is their automated system.  However, you can call 308-345-1750 and get a real person in their office.  I called this morning and talked to someone and told them I was being harassed and wanted it to stop.  The woman I spoke to was apologetic and immediately took my number out of their database -- that's what she said anyway.

Custom Response, you are being watched.  I'm not the only person fed up with repeated phone calls that leave no message, have no response, or are hang ups.  I've also posted your office number on several "telephone number" watch sites so I expect your call volume will peak for a few weeks. 

And, even though "legally" companies like Custom Response can call you, it just makes sense for telemarketing companies to check numbers against the Do Not Call Registry at the government.  It would improve your reputation and save everyone alot of grief. 

If someone is on the do not call list, they don't want these types of calls from ANYONE.  It's time to pressure the telemarketing industry into showing a little professionalism and customer consideration.  This goes for the companies that give their customer lists to these telemarketing companies, too.

The Do Not Call Registry is there to make everyone's life a little easier.  Stop following the letter of the law and try following its spirit. 

Friday, June 08, 2007

A Letter to Billy Blanks: Your Tae Bo Website is a Rip Off!

Consumers Beware -- if you want to buy something from the Billy Blanks Website REFUSE ALL FREE OFFERS. 
They are NOT free.

A Letter to Billy Blanks

Dear Billy Blanks:

Your website is a rip off.  You talk about truth and trust, but your company offers neither to consumers.  Maybe you don't run the "business side" of things but the people you hired can't be trusted and truth in advertising means nothing to them.

This is what happened to me today:

June 8, 2007

A few minutes ago, I placed an order on your Billy Blanks website for the Tae Bo Amped system.  I had repeatedly tried to order an additional "amplifier" but it wouldn't let me do it.  So, I just ordered one set of the Amped System.  After I hit "place order," I received a message that said I could get a "free gift of an additional amplifier."  I hit yes, thinking this must be why the store wouldn't let me buy another one.
Another screen came up with another "free gift" offer.  I said yes.  Thank God I said "No" when the THIRD FREE SCREEN CAME UP.
Clicking YES was obviously stupid on my part, since nothing is FREE.  If you read the details from my order below, you will see that I was charged an additional $60.00 for items advertised as FREE.
FREE means NO ADDITIONAL CHARGE.
Both of the screens said the items were FREE.  Instead, I'm showing a DELUXE SYSTEM, yet I can find NO INDICATION OF WHAT THIS IS ON YOUR WEBSITE.  All I wanted was an additional amplifier, which I was willing to pay the $20 for to purchase -- but your "store" wouldn't allow it.  It kept saying "invalid product code," and then your system ripped me off with these additional charges!!
I did not intend to authorize this additional charge to my credit card as these items were clearly indicated as FREE. 
I immediately called your customer service number and was told that my order wouldn't show up until three days from now!  So, you have my credit card information and are going to immediately process it but I have no way to correct my order for THREE DAYS.  This means my card will be charged before I can get any customer service because your service department is not open on the weekends.
I need immediate resolution of this problem.  Your website is misleading and difficult to use.  Offering free items and then charging outrageous prices for them is called fraud, and it is against the law.
Cecilia Sepp

Thank you for you Order!

Here is your order ID: 738G-YN9J-H4K3

Please print a copy of this page for your records.

Shipping Address

Cecilia Sepp

XXXXXXXXXXXXXX

US

Credit Card (information deleted for publication)

duct Quantity Price Per Unit Total

ALL NEW Billy’s Tae Bo AMPED System 1 $39.95 $39.95

AMPED Deluxe Package 1 $29.95 $29.95

AMPED Energy Formula Supply 1 $25.90 $25.90

Sub Total: $95.80

Shipping & Handling: $30.80

Tax: $0.00

Order Total: $126.60

WHO KNEW "FREE STUFF" WAS SO EXPENSIVE??

Buyers, beware of Billy Blanks.  He just wants in your wallet.

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