Report: #78663

Complaint Review: Benefits Plus . Financial One

  • Submitted: Fri, January 30, 2004
  • Updated: Fri, January 30, 2004
  • Reported By: alamo Texas
  • Benefits Plus . Financial One
    Closter, New Jersey
    Closter,, New Jersey

Show customers why they should trust your business over your competitors...

I was contacted by Benefits Plus in November offering a pre approved Master Card with a creadit limit of $3000.00 and said that their was nothing to pay. They said that I needed to have $300.00 in my bank account for them to check if I had the minimum payment in case I maxed out the card.

During the the phone call I repeatedly ask the rep if I had to pay anything that I didn't want anything. But he said no. Which turned out to be a lie. I got charged $300.00 on 12/26/2003 and I didn't get the folder with all the worthless paper in it till today.

I called a moment ago and the customer service rep answered really bad and I asked her to play back the recording of the conversation and she said they didn't have it. I have been waiting for my money since the beginning of the year and still they haven't refunded my account. I have a overdrawn bank account because of them.

alamo, Texas
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This report was posted on Ripoff Report on 01/30/2004 01:06 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

What a load of crap! Be forceful. They harass you and take your money; don't back down!!!

AUTHOR: Misty - (U.S.A.)

Well, I am assuming that all of this was done over the phone. Since they don't have the recordd conversation....and (hopefully) no signature from you, you do not have a legally binding agreement. Therefore, you owe them nothing and they need to give you a refund. So....what you do is this: DISPUTE the debt! Write letters to all three CRA's and dispute the debt. That starts the ball rolling for you. Next, you write the company in question. Send the a nasty little letter that says they have 30 days to provide you with something you SIGNED, stating you would be responsible for the account, and if they don't then you will file a complaint with the FTC, your local BBB and your local attorney general.

Be forceful. They harass you and take your money; don't back down!!!
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