Sureway Beneficial ripoff, sent nothing after promise of unsecured card, got BS envelope Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!

I received a call about a pre-approved 0% interest rate mastercard for 1 year and then 1.9% after that. I asked what I had to do to apply, and they said I was already pre-approved because I had an account at Bank of America. They said it was unsecured and had a $2500 credit limit. They said it was $249 for the set up fee and I reluctantly agreed for a $2500 usecured mastercard for a one time processing fee of $249.

A week later, Bank of America called to let me know about some scam, which later turned out to be Sureway Beneficial. I thanked them, puposely left my account with little money, and then they attempted to debit my account $249. Bank of America sent it back and I told them that if this was a scam, I did not want to be a victim.

A week later, some Indian sounding dude called and mumble unintelligible words. I did hear him say my name and my part of my account #. I told him "No, I do not know why you have that info and I do not authorize anything".My cell phone lost service shortly after that.

Later on May 3rd 2005, my account was debited for $249. I did not know of this until later, when my account went in the hole. I told Bank of America that I did not know what was up with this and they basically told me that I had authorized this transaction, after they called me and warned me about them, and me telling thme I did not want to be ripped off, and they still won't give me my money!!!

The bank gave me Sureway's #, which was useless. They gave me 866-642-9465, which is a call center in anchorage, AK; according to the dude who answered and cussed me and called me an idiot after telling him I did not believe he could not give me the direct # to Sureway Beneficial.

I have called this same # many times. I called and asked if this was real and where was my card. They said it was shipped from FL, but delayed due to hurricanes. This was a month and a half after I started calling the # and the 1st actual conversation with a person and not the answering machine (which never returned numerous messages).

On 8/11, Over 3 months later, I get this piece of crap envelope from Champlain, NY. It contained a crap letter that said I had to send for my card--and pay $39.95 to boot!!! Like they hadn't already STOLEN enough from me!!!

The mastercard was a secured card and required a deposit. It really wasn't a credit card at all; it was a money management card application, not a mastercard or any card at all. Just an application for this crap saying I had to send them more money!!

Well, screw those thieving scam artists!!! I want them as bad as all of you. I have requested a form from the NY Atty Gen Office.

I talked to bank of america again tonight after seeing this site and those bastards won't give me my money. They say I must call Sureway and gave me 866-849-1487. I called and for literally 28 minutes, heard nothing but IGEA hair removal, Heineken Beer, and 80's music and an intermittent "all operators are busy" recording.

They will not get away with this load of horse manure!!! How dare they do this to me and the rest of you people out their. I work for the gov't is the crazy part; if they rip me off, they would do it to our mothers, grandmothers, great-grandmothers, uncles, cousins, friends, etc. My point is screw them; we don't have to take it and we won't take it.

Ripoffreport.com, please call me and and help!! I am taking this matter very personally, especially after that little bastard cussed me out and even refused to put the sorry manager on the phone. He even told me his manager did not want to get on the phone with such an idiot. Thanks for letting me vent and lets get these sorry SOB's!!

Chris
Sherwood, Arkansas
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!

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...the victims' advocate

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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.