• Report: #184341

Complaint Review: New Credit Financial Alternatives

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  • Submitted: Fri, March 31, 2006
  • Updated: Fri, March 31, 2006

  • Reported By:spring Texas
New Credit Financial Alternatives
St. Petersburg, Florida U.S.A.

New Credit Financial Alternatives rip-offthey have half recorded conversation St. Petersburg Florida *EDitor's Suggestions on how to get your money back into your bank account!

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they contacted me in febuary.. stated that i qualified for 2,500 in "credit" and that they recieved information from "previous lenders" that my credit rating wasnt good.. they wanted for me to apply they played a recording stating what they intend to offer me. i told them before that i wanted to think about it but like a du****s i gave them my info believeing them
1 month and 15 days later i notice my account go from + to -500 dollars... i got hit with overdraft fees. alot of them i contacted my bank they took note gave me info and told me to call them to confirm information.. luckily the lady from my bank was nice enough to help me out without making me feel more of an idiot than i already did.. i called them up and apparently i cant talk to the gentleman i spoke to before "Mr. Clarkson" he doesnt handle these situations but if i wanted to i was allowed to hear the conversation they recorded.. and its only a small part of the larger picture...check my cell records i talked to the guy total of about 20 minutes... he called me twice in one day. . .

i was to recieve a letter in the mail in march to ask for a "blank check" to show i authorize the transactions but i did not i threw it away... and the kicker ... they used checks .. that i never use still got the box in my dresser.. twice to withdraw 300 dollars what kind of buisness is this... if anyone has any more info on this company please let me know

Shawn
spring, Texas
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
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 03/31/2006 03:21 PM and is a permanent record located here: http://www.ripoffreport.com/r/New-Credit-Financial-Alternatives/St-Petersburg-Florida/New-Credit-Financial-Alternatives-rip-offthey-have-half-recorded-conversation-St-Petersbu-184341. 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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