- Report: #124216
Report - Rebuttal - Arbitrate
Complaint Review: Fundamental Consumer Strategies
Fundamental Consumer Strategies234 Hudson St Ste 1826 Albany, New York U.S.A.
Fundamental Consumer Strategies ripoff $299.00 stolen Albany New York *EDitor's suggestion on how to get your money back for fraudulent charges to your bank account!
*Author of original report: Is there anyone out there that has actually received anything from these people?
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I was contacted on my cell phone by a man in late October offering me my choice of an unsecured Visa or Mastercard with a guaranteed minimum credit limit of $2,000 - $2,400 with a one time membership fee of $299.00. I agreed to the terms of the card, and then gave him my checking account number plus my routing number (VERY dumb move).
They debited my account for $299.00 on 11/12/04. The person that I spoke with claimed that I would receive my card within three weeks of the date my account was debited. December rolls around - still no card. I contacted them last week on 12/16/04, and a young girl answered the phone - I told her what was going on and she sounded very surprised that I had not yet received my card. She told me that I should have received a card over two weeks ago, and that she would have the card re-shipped via air mail and I would receive my card within 2-3 business days. She sounded very sincere, and apologetic so I believed what she was saying.
It's been a week now, and still no card - I've been calling the customer service number all this week, and everytime I try to call it takes a minimum of 15-30 minutes pushing redial because their lines are consistently busy. When I do finally get through I get the run around - someone always telling me to give it one more day and I will get my package containing my card, and the finance company's information. After reading the complaints on the site I have a feeling it will be cold day in hell before I get a card from anywhere.
High Point, North Carolina
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!
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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 12/23/2004 02:55 PM and is a permanent record located here: http://www.ripoffreport.com/r/Fundamental-Consumer-Strategies/Albany-New-York-12210/Fundamental-Consumer-Strategies-ripoff-29900-stolen-Albany-New-York-EDitors-suggestion-124216. 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.
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