PARADIGM ACCEPTANCE COMPANY, LC Rip Off

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Very Angry

Haslett, MI

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#1
May 17, 2007
 
Category:
Computer Manufactures Submitted: 4/16/2007 2:36:34 PM
Modified: 4/16/2007 2:37:00 PM
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PARADIGM ACCEPTANCE COMPANY, LC REFUND DENIAL ON $375.00 DEPOSIT RIPOFF HAMPTON Virginia
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Company
PARADIGM ACCEPTANCE COMPANY, LC
Address:
2504 BUILDAMERICA DRIVE
HAMPTON Virginia 23666
U.S.A.
Phone:
888-825-1580
Fax:-
----------
On 4/10/2007 the deposit was withdrawn from my bank aaccount for $375.00 for a computer my wife was interested in. They sent us paperwork which i recieved yesterday, 4/15/2007, i read the paperwork along with the description of the computer that they wanted to send us and it was a pre-owned laptop that is very very outdated. 512MB,60GB HDD, and other minimal settings. the laptop is prehistoric and used. When my wife spoke to them on the phone to originally set up the deal they didn't tell her that she was putting a non-refundable down payment on a paperweight with a screen. Anyway, yesterday I recieved the paperwork to complete the sale and like most people should do i read it. I decided that based off of the info on the sales order (sales contract), and the product info, that i did not want their product. the overall sales price was going to be $1,525.00. I would rather buy a simple new computer for that price. This morning i called them and they told me that they will not refund the down payment because "it is just non-refundable."-Jennifer self proclaimed Customer Service Supervisor. She aslo told me that I can write to challenge the refund policy, which when asked she could not explain what exactly the refund policy is.
Timeline-
4/10/07---375.00 withdrawn as downpayment on a laptop.
4/15/07---I recieve and read the product info and sales contract.
4/16/07---I call to cancel the sale and request refund of down payment based off of the info on the product description and sales contract. Jennifer gladly cancels the sale and promptly states that the down payment is non refundable. i request to speak to a supervisor. she says the supervisor is too busy to speak with me but she is a supervisor too for customer service. she then told me that I can write to challenge the refund policy, which when asked she could not explain what exactly the refund policy is.
I believe that this company is not in the business of selling computers. I believe that companies like this one are only rying to get the non-refundable deposits. While i was speaking to her it seemed as if she was anxious to cancel the rest of the sale but defensive when I asked for a refund. Any other company would normally try to persuade the potential customer to not cancel the sale because that is better for the company.
It seemed to me that they were eager tp cancel the sale and get me off the phone.
Also enclosed in the paperwork that was sent to me was a "authorization to debit down payment form". Why would they enclose this form after recieving the down payment? I believe it is because this is common practice for them to target down payments.
I found this on ripoff report.com This exact same thing happened to my father. But he was charged a little over 400 and something nonrefundable downpayment.
Very Angry

Haslett, MI

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#2
May 17, 2007
 
Tuesday September 19, 2006 10:07pm

Tulsa - A search for a new computer took a very unexpected turn for one of our viewers. His final bill was thousands more than he agreed to pay for. 8 On Your Side's Cindy Morrison looks into how this happened.

This is a big complaint into our 8 On Your Side team -- companies that promise you one thing, then change the rules after you make a payment. That's why you have to be very careful about how you do business.

Randy Garrett was shopping for a new laptop computer. He says Gateway referred him to Paradigm Acceptance Company to make the purchase. The deal they offered?

"An initial payment of $90.51 and ten weekly payments of $30.17," he says.

Randy says he was told three times that was all he would have to pay, which totaled up to just under four hundred dollars. But, when the bill came, surprise!

"I opened up and saw a total sales price of $2,441 and some odd cents, which almost sent me through the roof," he says.

Randy called the company and says they told him what he agreed to as the final price was actually just a down payment. The real price was over 24-hundred dollars.

"I said I was not advised there would be a down payment. I was told this would be the total price. And, in a sarcastic tone, she said 'what, you expected to get a computer for under four hundred dollars?'"

Apparently, lots of other folks did, too. The Better Business Bureau has received nearly a hundred complaints about Paradigm Acceptance Company in the past two years. One big issue is people who say they weren't told their first payment was non-refundable.

"She said,'well, it's an oral contract. We're not required to disclose that information'."

In fact, when we called Paradigm's customer service center looking for answers, they wouldn't even connect us to a manager. So, we'll be sending them a letter to demand a refund. Randy just hopes his story can help you from running into the same trouble.

"If it sounds too good to be true, watch out because it probably is," he says.

A simple check can save you a lot of aggravation when dealing with a company for the first time. Look up their record with the Better Business Bureau. Their history of handling complaints is a good indicator of how they will treat you in the future.

Channel 8 new Tulsa
Very Angry

Haslett, MI

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#3
May 17, 2007
 
Computer Manufactures Submitted: 4/16/2007 2:36:34 PM
Modified: 4/16/2007 2:37:00 PM


----------
PARADIGM ACCEPTANCE COMPANY, LC REFUND DENIAL ON $375.00 DEPOSIT RIPOFF HAMPTON Virginia
----------

Company
PARADIGM ACCEPTANCE COMPANY, LC
Address:
2504 BUILDAMERICA DRIVE
HAMPTON Virginia 23666
U.S.A.
Phone:
888-825-1580
Fax:-

----------


On 4/10/2007 the deposit was withdrawn from my bank aaccount for $375.00 for a computer my wife was interested in. They sent us paperwork which i recieved yesterday, 4/15/2007, i read the paperwork along with the description of the computer that they wanted to send us and it was a pre-owned laptop that is very very outdated. 512MB,60GB HDD, and other minimal settings. the laptop is prehistoric and used. When my wife spoke to them on the phone to originally set up the deal they didn't tell her that she was putting a non-refundable down payment on a paperweight with a screen. Anyway, yesterday I recieved the paperwork to complete the sale and like most people should do i read it. I decided that based off of the info on the sales order (sales contract), and the product info, that i did not want their product. the overall sales price was going to be $1,525.00. I would rather buy a simple new computer for that price. This morning i called them and they told me that they will not refund the down payment because "it is just non-refundable."-Jennifer self proclaimed Customer Service Supervisor. She aslo told me that I can write to challenge the refund policy, which when asked she could not explain what exactly the refund policy is.

Timeline-
4/10/07---375.00 withdrawn as downpayment on a laptop.

4/15/07---I recieve and read the product info and sales contract.

4/16/07---I call to cancel the sale and request refund of down payment based off of the info on the product description and sales contract. Jennifer gladly cancels the sale and promptly states that the down payment is non refundable. i request to speak to a supervisor. she says the supervisor is too busy to speak with me but she is a supervisor too for customer service. she then told me that I can write to challenge the refund policy, which when asked she could not explain what exactly the refund policy is.

I believe that this company is not in the business of selling computers. I believe that companies like this one are only rying to get the non-refundable deposits. While i was speaking to her it seemed as if she was anxious to cancel the rest of the sale but defensive when I asked for a refund. Any other company would normally try to persuade the potential customer to not cancel the sale because that is better for the company.
It seemed to me that they were eager tp cancel the sale and get me off the phone.

Also enclosed in the paperwork that was sent to me was a "authorization to debit down payment form". Why would they enclose this form after recieving the down payment? I believe it is because this is common practice for them to target down payments.

This exact same thing happened to my father but they ripped him off for 400+.
Very Angry

Haslett, MI

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#4
May 17, 2007
 
BBB Reliability Report
The Better Business Bureau®
Serving Southeastern Virginia & Northeastern North Carolina
586 Virginian Drive
Norfolk, VA 23505

www.hamptonroadsbbb.org
Paradigm Acceptance Company
2504 Build America Drive
Hampton, VA 23666

The BBB reports on members and non-members. If a company is a member of the BBB, it is stated in this report
BBB Definition:
report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB membership information, and Bureau complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
.
File Open Date: March 2002
TOB Classification: Computers-Dealers, Mortgage Brokers
BBB Membership: This company is not a member.
Additional DBA Names
Triple H Funding
Customer Experience
Based on BBB files, this company has an unsatisfactory record
BBB Definition:
unsatisfactory record - A company has an "unsatisfactory business performance record" with the Bureau is based on the experiences reflected in BBB files. This file condition results when the company has failed to resolve or respond to complaints, repeatedly failed to respond or resolve issues in a timely manner, failed to resolve the underlying issues for a pattern
BBB Definition:
pattern - More than 2 complaints involving the same allegations usually within 12 months that are significant in relation to the company's size and volume of business.
of complaints, failed to honor their commitment to mediate or arbitrate disputes or honor mediated agreements or arbitrated decisions, failed to substantiate, modify or discontinue false advertising claims
BBB Definition:
Very Angry

Haslett, MI

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#5
May 17, 2007
 
advertising claims - The Better Business Bureau reviews business advertising,(newspaper, magazine, TV, radio, internet) routinely to ensure that it is truthful and ethical. Claims in advertising are measured against basic advertising principles of the BBB Code of Advertising
BBB Definition:
BBB Code of Advertising - http://www.bbb.org/membership/codeofad.asp
which was developed to guide advertisers, advertising agencies and advertising media.
that are challenged by the BBB, or failed to discontinue unauthorized use of the BBB name and logo, a Federally protected trademark.
with the Bureau due to no response
BBB Definition:
no response - The company failed to respond to the complaint.
to customer complaints and unresolved
BBB Definition:
unresolved - The company failed to resolve the complaint issues.
customer complaints. Customer complaints allege that after they apply online with Gateway to finance a computer, upon rejection they are contacted by the telemarketing staff of Paradigm Acceptance Company, which allegedly verbally misrepresents the final agreement forwarded to them by mail referencing total cost, refund policies and financing. At this point, customers have verbally authorized the initial $83.88 debit to their credit account, prompting customer requests to their credit accounts, which have been denied. Thus far, the company has responded to most customer complaint forwarded to them by the BBB by cancelling contracts, but alleging that customers are verbally told initially during the telemarketing presentation that the initial payment of $83.88 is non-refundable, should they decide to cancel.
Referencing the numerous complaints alleging the verbal non-disclosure of the company's refund policy during the initial sales presentation, the BBB requested in writing from the company specific documentation (telemarketing script and customer's taped authorization) concerning the refund disclosure. To date, the company has not responded to our request for this information.
When evaluating complaint information, please consider the company's size and volume of business. The number of complaints filed against the company may not be as important as the type of complaints and how the company handled them.
The Bureau processed a total of 113 complaints about this company in the last 36 months, our standard reporting period. Of the total 113 complaints in the last 36 months, 21 of those were closed in the last 12 months.
Here is the BBB report.
Antonio G

United States

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#6
Jul 24, 2007
 
I know this doesn't help you all in your situation with Paradigm Acceptance Company, but just know that sharing your experiences on this site has helped at least one person - Me - avoid this situation. I was denied by Gateway, but accepted by Paradigm... Thanks to you all I won't be ripped off. Thanks and keep fighting.
Juan

Georgetown, TX

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#7
Jul 25, 2007
 
Yes, me too. I did research on the company because it sounded to good to be true, and I came across this forum. Thank you very much.
I cannot beleive Gateway is dealing with these people. I will definitely not buy a Gateway computer. They are off my list.
JT Rader

Reno, NV

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#8
Jul 30, 2007
 
I too was accepted, and had already dialed the number, but something in the back of my head told me to hang up and research before I obligated myself to yet another payment on the behalf of technology. And boy am I glad that I did. I want to thank everyone on this forum, without your feedback, I too would have been suckered into a bad deal, and worse yet, it would have probably cost me my trip to Scotland, which is why I was buying a new computer, to take with me for photo storage. Thank You all, and try for HP, they are by far the best, Dell, ehh it's OK I guess...

Since: Jul 07

Ypsilanti, MI

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#9
Jul 31, 2007
 
thank you all i appllied for a pc with hp,dell,gateway and has been denied.I realize i have to pay for my bad illresponsibility in may past.Does anyone know of a reptible computer finance company for the financially challenged.When i applied for gateway i was referred to paradigm,and they have been calling everyday,thank god i didn't accept any offers.But if i talk to them i will tell them no thank you,you have a bad reptation.So if anyone knows of a comapany that financec the pc's for people like me please let me know.
Very Angry

Haslett, MI

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#10
Aug 2, 2007
 
I am so glad that this thread helped people not get ripped off by this company.

My suggestion to anyone looking for a computer is to go to your local computer repair shop. They have to do business in your area so they need to be kind and helpfull. They need your reference to stay in business. Local computer repair shops will usually fix you up with a computer that will fit your needs. But don't just go to one, shop around find out which one is best for your needs.
VERY THANKFUL

Baltimore, MD

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#11
Aug 9, 2007
 
Another very thankful person here who would've fallen victim to these theives! Thank you so much everyone for posting your stories. I've been looking for a laptop for school and having not great credit is a definite hinderance. These people have been calling me at least 2 times a day for the past week. How they got my name who knows but thanks to you all I haven't fallen for their scam!
Mig

Lansing, MI

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#12
Aug 12, 2007
 
I wish they had been located here in lansing because I would go and pay them a visit for you. I build and work on computers and bought parts with free shipping but after 2 long weeks I got them "so low price free shipping is a trick" and on top of that I had to exchange them and that took months.

By a Dell
Mig

Lansing, MI

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#13
Aug 12, 2007
 
buy lol
Mig

Lansing, MI

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#14
Aug 12, 2007
 
goto discount computers here on the sothside.

Since: Jul 07

Ypsilanti, MI

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#15
Aug 16, 2007
 
If you want a good pc without all the hassle of financing with these scamming companies why don't people just go to qvc.com or shopnbc.com and get a pc on 6 mos.plan with nbc and 4 month with qvc
isabel

United States

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#16
Aug 16, 2007
 
Fck paradigm
they screwed me
'nuff said
Mig

Lansing, MI

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#17
Aug 17, 2007
 
Remember also "no one gets away with anything, it only looks like they do".
oliver

Pico Rivera, CA

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#18
Sep 5, 2007
 
did somebody get the downpayment back /? i have the same problem they want to give me a lap top that cost the downpayment i allready pay 375 helpp how can i get my downpayment back?
Alita Dawn

Lakeside, AZ

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#19
Sep 6, 2007
 
This is the EXACT same thing that happened to me... same dollar amounts and everything! The only thing different is that I was told nothing would be debited from my account until I had returned the signed Authorization to debit for down payment. When I got the paper work I discovered that this was not the computer I wanted AND I would be paying 18% annual interest that appears to be compounded DAILY! I found several Rip Off Reports on this company and then called my bank right away to file a fraud claim.
Very Angry wrote:
Tuesday September 19, 2006 10:07pm
Tulsa - A search for a new computer took a very unexpected turn for one of our viewers. His final bill was thousands more than he agreed to pay for. 8 On Your Side's Cindy Morrison looks into how this happened.
This is a big complaint into our 8 On Your Side team -- companies that promise you one thing, then change the rules after you make a payment. That's why you have to be very careful about how you do business.
Randy Garrett was shopping for a new laptop computer. He says Gateway referred him to Paradigm Acceptance Company to make the purchase. The deal they offered?
"An initial payment of $90.51 and ten weekly payments of $30.17," he says.
Randy says he was told three times that was all he would have to pay, which totaled up to just under four hundred dollars. But, when the bill came, surprise!
"I opened up and saw a total sales price of $2,441 and some odd cents, which almost sent me through the roof," he says.
Randy called the company and says they told him what he agreed to as the final price was actually just a down payment. The real price was over 24-hundred dollars.
"I said I was not advised there would be a down payment. I was told this would be the total price. And, in a sarcastic tone, she said 'what, you expected to get a computer for under four hundred dollars?'"
Apparently, lots of other folks did, too. The Better Business Bureau has received nearly a hundred complaints about Paradigm Acceptance Company in the past two years. One big issue is people who say they weren't told their first payment was non-refundable.
"She said,'well, it's an oral contract. We're not required to disclose that information'."
In fact, when we called Paradigm's customer service center looking for answers, they wouldn't even connect us to a manager. So, we'll be sending them a letter to demand a refund. Randy just hopes his story can help you from running into the same trouble.
"If it sounds too good to be true, watch out because it probably is," he says.
A simple check can save you a lot of aggravation when dealing with a company for the first time. Look up their record with the Better Business Bureau. Their history of handling complaints is a good indicator of how they will treat you in the future.
Channel 8 new Tulsa
Alita Dawn

Lakeside, AZ

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#20
Sep 6, 2007
 
Found out some information which may explain how Paradigm has been getting away with ripping everyone off. They are an LLC based out of UTAH with authorization to do business in Virginia! Their "supervisor" Andrea Morris told me the owner and president of the company was "Mr. Howerton" (she refused to give me a first name). Their registered agent in Virginia is Patrick R. Pettit (12350 Jefferson Ave. Suite 300, Newport News, VA 23602). Their registered agent in Utah is RONALD C GUNNELL (7430 CREEK RD STE 105, SANDY, UT 84093). Their business entity number with the state of Utah Department of Commerce is 5100346-0160. Hope this information is useful to some of you.

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