• Report: #112598

Complaint Review: First Financial Services

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  • Submitted: Tue, October 12, 2004
  • Updated: Tue, October 19, 2004

  • Reported By:Jackson Mississippi
First Financial Services
Toronto, Ontario Canada

First Financial Services ripoff dishonest, fraudulent, liars, never sent credit card Toronto Ontario *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Comment: These people from Toronto, Ontario cannot be trusted at all

*Consumer Comment: First Financial is obviously changing tactics, manipulating caller ID

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First Financial Services is dishonest and fraudulent business. They seemed great on the phone trying to sell you credit cards to consolidate your debts, and they even sell you a long distance phone plan that is great, but they don't have the product they say they will send. I allowed First Financial Service, agents name was Eric Champion, to debit $259. =95 from my checking (which I was the fool for giving this info), in return he promised to deliver by UPS my Visa Card with a $3000.00 credit line to transfer and consolidate all my debts onto one card with no annual or service fees and a locked interest rate of 6.9%.

All I got is an envelope from Canada, with copies of credit card applications for different banks. I don't need these applications, because like I told Eric on the phone I've already applied online. These people just wants to make money in their pockets, and they don't care who they hurt or put into poverty. These people from Toronto, Ontario cannot be trusted at all. They she be banned from the US. BE AWARE OF ANY PRODUCT OR SERVICE FROM TORONTO, ONTARIO, CANADA.

Tanya
Jackson, Mississippi
U.S.A.

Click here to read other Rip Off Reports on Credit Services

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

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 to 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/controller 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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.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.

This report was posted on Ripoff Report on 10/12/2004 01:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-Financial-Services/Toronto-Ontario-M5S1X0/First-Financial-Services-ripoff-dishonest-fraudulent-liars-never-sent-credit-card-Toron-112598. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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Updates & Rebuttals

#1 Consumer Comment

These people from Toronto, Ontario cannot be trusted at all

AUTHOR: D - (Canada)

I felt somewhat sympathetic to your issue. However, I found your comment "These people from Toronto, Ontario cannot be trusted at all. They she be banned from the US. BE AWARE OF ANY PRODUCT OR SERVICE FROM TORONTO, ONTARIO, CANADA." rather ignorant. Do you mean all Torontonians or just this company? There are also several reputable companies you could have dealt with. I was ripped off by a company I had never heard of from Bangor, Maine, USA. Should I say that no one from that city/state not be trusted or how about all Americans for that matter? In my case, I had no contact whatsoever with Amrol Solutions until I found a charge on my credit card. Apparently, I was their "accounting manager". I took all the steps necessary and was lucky enough to have it reversed in a timely manner. You however, were gulible enough to fall for obviously shady tactics. Shame on you. I understand you're upset but to blame a whole city is ridiculous.
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#2 Consumer Comment

First Financial is obviously changing tactics, manipulating caller ID

AUTHOR: Steven - (U.S.A.)

We received a telemarketing call from "First Financial" I asked the lady, who had some kind of funny accent for her name and she said "Sharon Marshall". When I asked her how they could call us despite the fact that we are on the Do-not-call list, she said "this is not telemarketing, we are calling you because of your excellent credit". I saw that the caller ID information was obviously manipulated. It showed "Florida (305) 000-0000"

When I asked "Sharon" from which number she was calling she said "I am not authorized to give you that information" and hung up.
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