Report: #148185

Complaint Review: First National Benefits Aka First National Government Grants

  • Submitted: Fri, July 01, 2005
  • Updated: Fri, July 01, 2005
  • Reported By: No Name Alabama
  • First National Benefits Aka First National Government Grants

    , Nationwide, Canada, India

First National Benefits Aka First National Benefits Aka First National Government Grants ripoff Grant Rip Off Scam Canada India *EDitor's suggestion on how to get your money back for fraudulent charges to your bank account!

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On June 23, 2005 I was contact by First National Benefits. The caller informed me that I would receive a government grant for $25,000. It sounded good, but unbelievable. He went on to say that he had me as (gave my name) at (gave my address which was close but incorrect) and your home number is (gave me a number which was my work number). I am sure this information came from a form I filled out on the Internet to earn extra money. I can't recall what form. The caller then said that he needed my bank account number and did not need my routing number to deposit the funds into the account. I was sitting at my computer and decided to type in the company name into Google. It immediately gave me the RipOff site. I allowed the caller to go on without informing him. He then put me on to a recording that asked me to state my name, address and bank account number to charge a one time fee of $29.95 to get the grant money. I did not give him my bank account number or routing number.

On June 29, 2005, my bank account was charged $29.95. When I viewed the copy of the check, it showed the Pay to the Order Of as First National Benefits. It had my correct name, but it was missing part of my address. It did not have the correct routing number for my bank account. And, my bank account number was hand written. I immediately called the bank. My first question was how could this company take money out of my account without the correct address, the correct routing number and who wrote in the account number. I told the person on the line that I did not give this company my bank account information. And, that my biggest concerned was how they could take money out without my bank account information and why would someone write in my account number, did it get written in at the bank? She informed me that she did not know and transferred me to the fraud department. I explained the same thing to that person who told me to block my account, open a new account, and close this account so that the company could not take any more money. The bank put the money back into my account and started an investigation.


No Name, Alabama

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 you 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 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/comptroller 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 & Author of

Don't let them get away with it.
Make sure they make the Rip-off Report!

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This report was posted on Ripoff Report on 07/01/2005 08:24 AM 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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