On June 17, 2005 I received a phone call from First National Government Grant Benefit stating I have been selected from my income tax return to receive a an undisclosed amount of money, a dollar grant from the government, and was asked how much money I would like to have every month. The person Idendified himself as Craig Walker, a Senior manager of the organization. He also said he was not a government employee, but that the government contracted his company to sign up people who had paid taxes in the past for a free grant from the government.
Craig said that I would be sent a letter within 4-5 working days. He told me that I would have to provide a checking account number together with the routing number of the bank He said the checking account number is required so he could apply a $29.95 Processing Fee.
I gave him a checking account number and he recorded it ( he said.) He then said after the processing fee had been charger that his company First National Government Grant Benefits would send me $100.00 emergency cash.
He said I would also be enrolled in a National Health Care Plan that would be FREE for 7 days with no obligation, but if I decided to keep the plan it would cost me $19.95. He sad I could cancel any time during the 7 day trial period, and that I was not under any obligation. He also said I would receive $6000.00/mo for the rest of my life. The number for their customer service department was stated as: 1-800-410-1682.
He also told me the only thing I would have to pay is a $29.95 processing fee for the government to put the money into my account electronically. He said he could not sign me up unless I participated in a recorded interview. I knew that this was a bogus scam, and I told him I needed to call someone, but that I would call him back because I had a call on my other line.
He said he could not provide a telephone number that I could reach him at. I said that would be ok, but that I couldn't do the survey at that time because I had to return the call to the person that had contacted me on the other line. He said he would call back, but never did.
I read Amber's Rip-off Report, but I didn't need to go to the internet to figure out that this was a scam. I will agree with what Amber reported no company would ask for your banking information over the phone. Here are some further steps you can take:
If you discovered that your identity had been stolen, or that someone is doing this to you please do the following:
Call your bank or credit card company, you might want to call both.
Contact the three major credit reporting agencies, Experian, Equifax and TRW
Obtain the 30-page consumer support publication which is available from the Federal Trade Commission.
Fill out and submit the FTC form to dispute new, unauthorized accounts
Beware that you might have to pay $1,500 in out-of-pocket expenses or more in your efforts to resolve the problems that identity theft could cost you.
Silver Springs, Nevada
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 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 bad
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
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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.