• Report: #124425

Complaint Review: Fundamental Consumer Strategies

  • Submitted: Sun, December 26, 2004
  • Updated: Sun, December 26, 2004

  • Reported By:Durham North Carolina
Fundamental Consumer Strategies
234 Hudson Avenue, #1826 Albany, New York U.S.A.

Fundamental Consumer Strategies Fundamental Consumer Strategies were an major ripoff. Albany New York *EDitor's Suggestions on how to get your money back into your bank account!

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

I was called at my home in early October 2004. An gentleman called me saying I just got approved for an credit card, with an $2,000.00 limit on it. He also mentioned that an amount of $299.00 would have to be debited out my account as soon as possible. They also said that the card would take up to 30 days to be received in the mail. They debited the money out of my account on October 19, 2004.

When I didn't receive the card, after the November 19, 2004, I started to get worried. So, I kept calling the number everyday constently. I always got an busy signal or got an customer service representative that was very mean and kept telling that the credit card was coming. I called earlier in December and they said that people called complaining about not getting the credit card and they were reporting this.

I got an package in the mail, the week of Christmas. When I received the package, it was already opened. All it had was an book and different brochures. But, it didn't have the credit card. I'm so angry and disappointed about this situation. I was excited and depending on that credit for moving expenses and Christmas items for my children.

From now on, I will never apply for an credit card, especially accept anything over the phone again. It's hard when you're depending on money. I hope the people that did this will get what they deserve and get put in jail for an long time. They have got people's personal information and done anything with it. Now, I don't know who has my information now. We have to stop things like this from happening.

Durham, North Carolina

EDitor's Suggestions on how to get your money back!


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!


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.


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.

This report was posted on Ripoff Report on 12/26/2004 02:20 PM and is a permanent record located here: http://www.ripoffreport.com/r/Fundamental-Consumer-Strategies/Albany-New-York-12210/Fundamental-Consumer-Strategies-Fundamental-Consumer-Strategies-were-an-major-ripoff-Alb-124425. 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.

Click Here to read other Ripoff Reports on Fundamental Consumer Strategies

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?