In July 2004, I recieved a call from a Andrew Preston, describing a health policy that would cover my co-payments on my medical and dental, vision and priscription drugs. The kit would include membership cards that I could use at the time I recieved them. As a thank you, he quarenteed me a credit card with a limit of $2,000.00. The cost of this program was $299.00, to be taken out of my checking account. Which was done on August 4, 2004.
I called the toll free number 14 days later to see what was going on with my kit and where it was. Only to be told that the company was in Florida, and was putting things together after the hurricans. I gave them another week as per requested by the party that answered the phone. Only to be told that they were working on orders from June and I would have to be patient, mine was going to be coming out shortly.
I then called on the average of 3 times a week, and asked how many other people had they scamed $299.00 from and that I would be contacting the Florida State Attorney General and the BBB, along with the Minnesota State Attorney General's office and BBB. I was then asked not to be hasty and was finally given a Fed Ex tracking number, and told I should call it and would know when my kit was on it's way. I called the tracking number 5 days a week and continued to call their toll free number.
I was told the kits were being revamped and would be on their way, mine was in the next ship out. When I finally did get a location on the kit, it was at the Fed Ex ground location in Phoenix, AZ. My kit arrived the end of the first week of September, I was shocked to see that it was shipped out of Las Vegas, NV. When I opened the kit all that was in it was 4 pieces of paper; one was an enrollment form requesting the amount of $19.95 to upgrade my membership, an enrollment form for perscription discount card, an advertisment for a loadable Mastercard to the sum of $5,000.00 and an ad for Best Cash Advance.
There were no membership cards, no credit card with a limit of $2,000.00. I then called the toll free number and asked what I had to do to get a refund and was told it was non-refundable.
Bingham Lake, Minnesota
U.S.A. EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish you file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 # , and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent! DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/comptroller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form. CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com
& Author of www.ripoffrevenge.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates. ...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency ...by consumers, for consumers CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.