• Report: #128200
Complaint Review:

First National Benefits

  • Submitted: Thu, January 20, 2005
  • Updated: Thu, January 20, 2005

  • Reported By:Joliet Illinois
First National Benefits
15720 John J. Downy Drive Suite 300 Charlotte, North Carolina U.S.A.

First National Benefits ripoff, do not sign up liars and deceptive they will trick you out of your money Charlotte North Carolina *EDitor's Suggestions on how to get your money back into your bank account!

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They call me for grant, and I was looking for grant information on how to obtain a grant for my home business. They said that for $30.00 they will be sending me information on the grant. so I'm thining its like those other grants on the internet be advertising for 40-60 dollar and they give you the grant writing and locations and all that.

So when I talk to the lady she was explaining that I would be receiving my information in 3-4 days so in 3-4 days after drawing the money out of my account they sent me a letter saying that I could get this grant same thing they basicly told me on the phone. So I call back and I said I know this aint what I paid 30.00 dollars for. So she disputed that they clearly stated that it was a review letter and what they said and I ask her how would she know she wasn't the person I spoke with and now that

I think about it I think she was the person I spoke with because she had an accent like the first person I spoke with. I call a several of time and that same woman keep answering the phone. I'm like is this a lagitimate business some one needs to look into that and I wish I never exchange my information with them I'm probably going to close out my account because aint no telling with ignorant deceptive people who has access to people account.

But thank god for the law and thank god for being god because thats who they got to answer to. They not hurting me they hurting themselves cause what goes up must come down their not going to be able to constantly decieve people like that. On top of that they call themselves playing me back the recording where at the man and computer ask me the question to verify every thing.

The verification part saying they would be sending me a review letter and 100 dollar EMERGENCY CASH and said information in there too. So you think you getting some information what's to review but this is what they played back and they said they would be sending me a certificate for 100 dollar and they sent me a pay day loan paper. deceptive ,deceptive deceptive.

They then told me I would have to pay 299.95 if I decide to stay in their program AND I SHOULD HAVE THEN SAID NO BECAUSE THEY DIDN'T TELL ME THAT WITH THE FIRST PERSON WHO JUST DECIEVES YOU AND THEN SECOND PERSON WORD IT WHERE THERE COVER AND THAT'S THE ONLY PART OF THE CONVERSATION RECORDED. WHY THE FIRST PERSON NOT RECORDED BECAUSE THEY LIE TO GET YOU IN so I'm thinking I have the opportunity to look over it first and then had the nerve to ask me do I want to keep the program or not the lady was very very unprofessional it takes a lot for me to have to get firm with people and this lady was very provoking.


joliet, Illinois

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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This report was posted on Ripoff Report on 01/20/2005 08:43 AM and is a permanent record located here: http://www.ripoffreport.com/reports/first-national-benefits/charlotte-north-carolina-28277/first-national-benefits-ripoff-do-not-sign-up-liars-and-deceptive-they-will-trick-you-out-128200. 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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