• Report: #172060

Complaint Review: America Advantage Benefits - Victor Warne

  • Submitted: Tue, January 17, 2006
  • Updated: Tue, January 17, 2006

  • Reported By:Littleton New Hampshire
America Advantage Benefits - Victor Warne
Winter Park, Florida U.S.A.

America Advantage Benefits - Victor Warne ripoff,called me.Told me I was getting 5,000.00, Mislead me.Already knew my Info Winter Park Florida *EDitor's Suggestions on how to get your money back into your bank account!

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Well, I guess I don't feel like a total fool But, I do want to see Justice on these People. I got a Call a few Days ago.It wasn't a matter of trust or convincing me of anything. It was the fact that this guy Named " Victor Warne" (the name I asked for and he gave me) knew my personal info. He knew my Name, Address and, SSN- How this Company got it, I don't even want to seriously figure it out.I was told, to wait for a Letter in my Mail within 4-5 days. Then to check my Bank Account in 4 Days to get my 5,000.00 and, then pay my 49.95 after. By a Check.

Well, Today Jan. 17,2006, I called this 866 number. It was a Lady from "Advantage American Benefits"- I told her nicely that a "Victor Warne" had called me a few Days ago. She asked me to wait and, check my Snail mail. She told me something a little different then he did. He also, told me that I am supposed to recieve not just a Grant, but,$500.00 worth of Coupons,he even gave me a Check number that I was told would be the amount for the 5,000.00. I was gien a number to call for "E-Z 1- Rate.com" to be part of my Service or package. So, now another Company has been brought into this. "GREAT"!! They do have a WebSite but, do they know they are being offered too? I have the his ID number, My Verification #, and, phone numbers too- Also, it is under "USA GRANTS DEPT. This what I was originally approached with for a Company name. There isnt a Web- Search out there to even get close to getting these SCAM IDIOTS !! If, I can Report this and, sace other People? I will. If, I can have justice? I will. They now have my personal information.So,I am now probably going to have to change my Bank? I shouldn't have to- I would love a "LAWYER" to take my CASE and, HELP??

Littleton, New Hampshire

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!

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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.

This report was posted on Ripoff Report on 01/17/2006 12:15 PM and is a permanent record located here: http://www.ripoffreport.com/reports/america-advantage-benefits-victor-warne/winter-park-florida/america-advantage-benefits-victor-warne-ripoffcalled-metold-me-i-was-getting-500000-172060. 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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