the customers hurt by excessive fees from Horizon Card Services and Robert “Bob” Kane

This is the McMansion that small-time psychopath Robert “Bob” Kane was able to buy by exploiting society’s most vulnerable population:

I guess money can’t buy good tastes, huh?

In a recent legal action filed by the Consumer Financial Protection Bureau (CFPB) against Reliant Holdings, Inc., operating under the name Horizon Card Services, allegations of deceptive and abusive practices have surfaced, highlighting yet another case of corporate misconduct aimed at financially vulnerable consumers. The company, founded by Robert Kane, has built its business on exploiting subprime customers—those who typically have lower credit scores—through a scheme that promises access to a credit card with a specified limit but ultimately delivers far less value than advertised.

At the heart of the CFPB’s complaint are charges that Reliant misled consumers into believing they were signing up for a general-purpose credit card, often promising a credit limit of $500 without the need for a credit check. Instead, what consumers received was a card that could only be used to purchase overpriced and often off-brand goods from Reliant’s Horizon Outlet, an online store offering a limited and rotating selection of products. Adding insult to injury, consumers were also forced to pay substantial fees—sometimes reaching as much as 60% of their credit limit—to access the card. The fees violated the Truth in Lending Act, which caps such charges at 25% in the first year of account opening​.

For many, the disappointment didn’t end with the realization that their “credit card” could only be used on Reliant’s platform. The company also bundled the card with a “membership program,” which included a variety of ancillary products such as prescription cards and roadside assistance—services that were either of limited utility or rarely used. According to the CFPB, a staggering 93% of consumers never utilized the Horizon card for any purchases, and only 1-3% ever made use of the additional services​. For most, the membership was essentially a vehicle for Reliant to extract money without offering anything of tangible value.

Perhaps one of the most pernicious aspects of Reliant’s operations was its aggressive retention tactics. Once customers attempted to cancel their membership, they were met with resistance in the form of lengthy and burdensome phone calls, during which customer service agents tried repeatedly to dissuade them with various discount offers. This process, which was advertised as taking “less than a minute,” often stretched to 20-40 minutes. In many cases, consumers were only able to secure full refunds after threatening to take the matter up with their banks or the Better Business Bureau​.

The human impact of these practices is significant:

Many of Reliant’s customers were already financially distressed, and their dealings with the company only exacerbated their economic hardships. Trapped in a cycle of membership fees, deceptive offers, and near-impossible cancellation procedures, these consumers found themselves losing money to a company that profited from their vulnerabilities. Reliant’s actions disproportionately harmed low-income individuals, adding to their financial struggles while giving them little in return.

And all of this was personally orchestrated by Robert “Bob” Kane.

Truly an A+ service from a corporation that obviously cares about the wellbeing of the local community.

This is what Reliant Holding’s founder, president, and CEO Robert Kane looks like by the way. The monster looks pretty leechlike if I may say so myself:

He also has a public LinkedIn page

He lives at 200 N 7th St, Indiana, PA 15701 and his phone number is (724) 840-6468

This is an ongoing story as litigation continues to develop. Everything I’ve written about this story is me simply repeating the allegations made by the USA’s Consumer Financial Protection Bureau. If you would like to stay up to date, either check back to evil-corporations.com at a later date or simply look up case number 2:24-cv-01301 from the U.S. District Court for the Western District of Pennsylvania