Q:

Is Union Workers Credit Services a scam?

A:

Quick Answer

The cards offered by Union Workers Credit Services contain wording implying that they come with a Visa or MasterCard logo, but they do not, notes the Better Business Bureau. Many customers who pay the fee to receive their cards are angry when the cards only work in a company catalog.

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Full Answer

As of 2015, the Better Business Bureau rates Union Works Credit Services with an F and reports an ongoing alert regarding the company. The BBB reports 425 complaints against the business. Of these, 246 had to do with advertising or sales issues, 28 with delivery issues, 140 with problems involving the product or service and 12 with billing or warranty issues. While the company has addressed all but one of those 426 complaints, the BBB file also indicates that the company has a pattern of complaints, most of which center around the $37 fee that consumers pay thinking they are going to receive a platinum credit card with a $10,000 credit limit. Instead, they receive a paper card and a catalog out of which they are authorized to shop, notes the BBB.

In response to complaints, Union Workers Credit Services does offer refunds, according to the BBB. However, the wording and images in their advertising are confusing, leading many clients to pay for something they do not end up getting. Even though the terms and conditions do not specifically promise a Visa or MasterCard, the BBB has requested that the company modify its marketing to alleviate the confusion but is still waiting for a response, as stated by the BBB.

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