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Report: #127585

Complaint Review: Centurion Financial - Champlain New York

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  • Reported By: Rochelle Park New Jersey
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  • Centurion Financial 33 Elm Street Champlain, New York U.S.A.

Centurion Financial Ripoff fraudulent credit card offer Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Comment: There is hope ..There are over 150 others just like us who have posted reports about these criminals.

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On 12/17/04 I received a phone call from Centurion Financial offering me a credit card with a limit of $2000. I was sceptical of course because I am trying to build up my credit and get alot of calls like this. I asked alot of questions such as: is this a secured card?, is it a catalog card?, is it a "regular" credit card that could be used anywhere? and questions of that nature.

I was told there was a $249 one time fee and foolishly I authorized a withdrawal directly from my checking account. The money was withdrawn on 12/20/04 according to my bank. I was told I would receive the card in app. 7 days. It is now January 16th and I have received no correspondence from Centurion. No matter what time of day I call I'm put on hold and then get a recording saying that all representatives are busy and leave name and number and I'll get a call back. I've done this at least 6 times and have never gotten a return call.
I am so frustrated and embarrassed that I could be so gullable.

Help - what can I do? I'd at the least like to get my $249.00 back.

Deborah
Rochelle Park, New Jersey
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!

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.

This report was posted on Ripoff Report on 01/16/2005 10:05 AM and is a permanent record located here: https://www.ripoffreport.com/reports/centurion-financial/champlain-new-york-12919/centurion-financial-ripoff-fraudulent-credit-card-offer-champlain-new-york-editors-sugge-127585. 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 Comment

There is hope ..There are over 150 others just like us who have posted reports about these criminals.

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

POSTED: Sunday, January 16, 2005

If you haven't done a search on this website for Centurion, you might want to do that. There are over 150 others just like us who have posted reports about these criminals. It is the weekend and my bank is closed on Monday because of some holiday so I won't make it in until Tuesday. But I'm going to take them a printout of Jasper's report of Pleasanton, Texas from this website to my bank and politely insist that someone at that bank visit this website immediately. I am confident that I can have the charge reversed and I recommend you do the same.

In the mean time, I will be contacting several organizations including the Attorney General of New York to see what can be done to get this outrageous operation shut down and the people responsible put behind bars. We shouldn't have to tolerate this kind of illegal operation and only by the victims taking action will this low-life, no conscience-havin organization be put to rest.

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