- Report: #138123
Report - Rebuttal - Arbitrate
Complaint Review: Spectra Financial Benefits
Spectra Financial Benefits100a Walnut St Suite A . Champlain, New York U.S.A.
Spectra Financial Benefits FRAUD ripoff, Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!
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I didn't realize they had deducted my account until I was checking it online and I was WAY lower then I was supposed to be. I looked through my account and I saw the Spectra name and I was taken aback. I didn't authorize them to take that out of my account.
I told them to send me the information and I would go over it and then get back to them. They said that was fine and so thus ended our phone call. So when I saw that name and number I called the number provided. And I got a message saying that I was not in the Service Range. Which I thought was funny, seeing how it's a toll free number.
Needless to say, my bank did a preauthorized reversal and credited my bank account. I thought it was over. Well last Friday 4/1/05 I was debited again. I found this out when I went to use my card and I was declined I didn't see how..since I had just gotten paid that day. But I was. So I checked my account. As I suspected. There was that same name and number and amount.
I thought my bank would do another preauthorized reversal. I waited so that after they did that I could stop payment on it. I waited until today and they didn't do it. so I eventually called them. I spent all morning on the phoen with my bank making a claim putting a hold on my account and what not. I am one of the lucky ones. I am getting my money back.
My advice to all of you is ONE) Don't let these people do to you what they did to me. And TWO) If it does happen go to your bank explain the situation and demand your money back make a claim and close your account as soon as possible. Thank you for listening to my story. Hope you all have good luck with all of this.
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
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
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...by consumers, for consumers
This report was posted on Ripoff Report on 04/08/2005 05:53 PM and is a permanent record located here: http://www.ripoffreport.com/r/Spectra-Financial-Benefits/Champlain-New-York/Spectra-Financial-Benefits-FRAUD-ripoff-Champlain-New-York-EDitors-Suggestions-on-how-138123. 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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