• Report: #1033945

Complaint Review: Sun Ray And Associates

  • Submitted: Tue, May 11, 2004
  • Updated: Tue, May 11, 2004

  • Reported By:08046 New Jersey
Sun Ray And Associates
318 Indian Trace #436 Weston, Florida U.S.A.

Sun Ray And Associates ripoff, lead me to believe I would make a lot of money, took money from my account that should not have been taken Weston Florida *EDitor's Suggestions on how to get your money back into your bank account!

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The company, Sun Ray and Associates, sent me an e-mail claiming that if I mailed out 300 letters I would make 10 dollars for each letter that I sent out. They had an on-line form available where I could pay by check and the fee for the 300 letter option was 160.00 dollars. I then decided to fill out the online form.

After ten days I checked my bank statement online and saw that the money had not yet been deducted and I thought maybe it didn't go through the first time. I then decided to fill out the online form again to make sure the it would go through and I did this under the SAME CHECK NUMBER. I didn't think it was a big deal since it was under the same check number.

About a week after I did that I recieved the package in the mail and when I checked my bank statement again the money from the online check still had not been deducted. They had put a sales letter brochure in the package that lead you to believe that you had to pay the fee by mail as you sent out the letters. I figured this was ok since the money had not been deducted from account and that the online form was just probably a reservation type thing for them to just mail out the package.

So I wrote out a check for 160.00 dollars and mailed it to their comapny. Plus, the letter in the package stated that I would receive 750.00 dolllars for the first week because I had to wait for my business to grow, 1500.00 dollars my second week and by the third week I'd be making 3000.00 ( I would supposedly get paid every week or evey time I sent out the letters). I thought this would be ok because I would still be making a profit in my first week.

Also, I had to pay for the stamps which they said would be reinmbursed to me. That came up to 112.00 dollars even. So I figured everything would be ok.

After about ten days I realized that I still hadn't had got a check in the mail which should have only taken a week. Plus when I had went back to check my bank statement, 160.00 dollars had been deducted from my account on the same check TWICE by their company, plus the 160.00 dollars that I had already mailed out.

Altogether they owe me 480.00 for the 160.00 dollar fee they took from my account three times, plus 112.00 dollars for the stamps and also the 750.00 dollars for the first weeks worth of envelopes I mailed out that they claimed they would pay me for. In total, they owe me 1341.00 dollars. Your help will be greatly appreciated. Thanx

08046, New Jersey

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 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!


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.


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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This report was posted on Ripoff Report on 05/11/2004 04:40 PM and is a permanent record located here: http://www.ripoffreport.com/r/Sun-Ray-And-Associates/Weston-Florida-33326/Sun-Ray-And-Associates-ripoff-lead-me-to-believe-I-would-make-a-lot-of-money-took-money-1033945. 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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