• Report: #189036
Complaint Review:

Credit Plus Rewards

  • Submitted: Fri, April 28, 2006
  • Updated: Fri, April 28, 2006

  • Reported By:Houston Texas
Credit Plus Rewards
505 E. Windmill Lane #1B-201 Las Vegas, Nevada U.S.A.
  • Phone: 800-975-5642
  • Web:
  • Category: Loans

Credit Plus Rewards ripoff Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account!

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On on April 21 , 2006 I filled out for a pay day loan and no one never contacted me.Then after the weekend pass came Monday April 24,2006 I got a phone call on my home number telling me I was approved for a pay day loan of 500.00.The man who called me said the name of company and that I was approve.He said the money would be in my account the next day in which was 04/25/006. I said fine.He confirm some info over the phone and he already had my last four digits of my checking account.He said he would record the call.He recorded the call I guess as he asked me some questions.He inform me that there is a 129.99 membership fee that would be taken from the pay day loan of 500 dollars.So I agreed to this.However the next day no money was in ym account so I tried to call the company , I held on and listen to there music for 3 hold hours.Then I email them 2 times.this was on that tuesday telling them not to take money from my account since I didnt get the pay day loan.Well on that friday when my direct deposit hit they taken 129.99 of my rent money.This was done with out my permission.Ths company is stealing peoples money by lieing to them saying they will get a pay day loan and the funniest thing is that they did my cousin also her name is Karel Middleton.I want my money back I dont need no member ship and if I didnt need the money I would have applied for it then to apply for money that you need to borrow then have money taken these people are a rip off I have contacted Las Vegas Nevada Police Department. I will file charges against this company and I will be down there in Nevada next month on vacation.My bank have agreed to do a unauthorized Automated Clearing House (ACH).Since it happen to me and my cousin.Same banks.My fearful thoughts is they will keep doing this to innocent people such as my self and this will really put people in a bind.

Houston, Texas

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.

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This report was posted on Ripoff Report on 04/28/2006 08:53 AM and is a permanent record located here: http://www.ripoffreport.com/reports/credit-plus-rewards/las-vegas-nevada-89123/credit-plus-rewards-ripoff-las-vegas-nevada-editors-suggestions-on-how-to-get-your-mone-189036. 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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