• Report: #156992

Complaint Review: Simple Choice Financial Benefits

  • Submitted: Tue, September 13, 2005
  • Updated: Tue, September 13, 2005

  • Reported By:acworth Georgia
Simple Choice Financial Benefits
PO BOX 3348 CHAMPLAIN, New York U.S.A.

Simple Choice Financial Benefits ripoff telemarketing credit card scam CHAMPLAIN New York *EDitor's Suggestions on how to get your money back into your bank account!

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On June 10TH 2005 I recieved a call from a David who informed me that I was approved for a credit card in the amount of 2000.00 dollars and that the interest rate would be 0 percent for the first three years. He also informed me that it would take up to 40 days to recieve it. After 40 days around july 22 I CALLED 1-866-847-8297 and asked about my card they said due to the huricane in the area that the orders were backed up. each time I called after that I gave my verification number 3331426 and they pulled up my information and my address and gave me a new excuse.

Needless to say it is now september 13 and I have just recently discovered this site I guess my the fear I had over the last few months is now true I will not recieve the credit card they promised and I am out 249.00 dollors. The weird part about it is that the number I kept calling is a company that does customer service 14 other companys so when I gave my verfication number the people at the the number I called would give me the current status as time went on I eventually got to a point where they said they had mailed it. Although it has been three weeks since the date they mailed it. If you would like to call them yourself give them my verifiction number and watch them lie to your face about the card I will never get.

If you CALL and get put on hold and they tell you to call back. Call back again and agian eventually you will get a person on the line. Tell them my number and witness for your self a scam in progress.

acworth, Georgia

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.
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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 09/13/2005 07:02 PM and is a permanent record located here: http://www.ripoffreport.com/r/Simple-Choice-Financial-Benefits/CHAMPLAIN-New-York-12919/Simple-Choice-Financial-Benefits-ripoff-telemarketing-credit-card-scam-CHAMPLAIN-New-York-156992. 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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