I was contacted in the latter part of June by Mark Lenex on behalf of Oxford Financial regarding a credit card with a credit limit of $2,000, no interest for the first 3 years. He also explained they would give credit increases regularly as long as you don't go over your limit and make the payments on time.
He said, "There was a one time fee of $249 and that it would take 30 to 60 working days to process after the fee was collected." I asked him why so long for processing it and he explained that this was what they have to say but normally and because we are in the states it would probably take about 14 days to receive it and probably no longer than 30 days.
So I agreed to the terms and was told they would take the fee on th 6th of July and gave me a confirmation# 3435783. He then told me if there were any questions or problems to contact him at 1-866-333-7715 ext. 018 and ask for Mark Lenex.
When I hadn't heard or received anything by the end of the third week of July I called and they wouldn't transfer and was told that they could help me all they needed was the confimation#. So I did and was told it was still processing no shipment date given and was told it would take 30 to 60 working days to process.
Again, no response by the middle of August I called again and was told the same thing and I then explained that this was not acceptable and wanted to speak with Mark they said he would tell me the same thing if I had any complaints I would need to write Mr. Patrick Norton at PO Box 2588 in Champlin NY 12919. I then asked for a phone number for Mr. Patrick Norton I was told no phone for him just the address the 1-866-333-7715 was the only number.
So again I waited until around the 13th or 14th of September and called again as was told that I was in the shipment phase and I should receive the card sometime within the next week or two no later than the first of October. I again explained I was not pleased with the handling of this matter and said I would like my money back and forget the whole thing. I was again told they couldn't do that I would have to write Mr. Patrick Norton.
So I waited and still nothing have tried calling the customer service number 1-866-333-7715 and got a recording saying PR011 you have dialed a number that is not available for your calling area. And now I have paid a fee of $249 for nothing and I am not able to afford that. This was part of my monthly budget money because I thought I could get my credit back in order.
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
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.