• Report: #159050
Complaint Review:

First National (Benefits)

  • Submitted: Fri, September 30, 2005
  • Updated: Fri, September 30, 2005

  • Reported By:manhattan Kansas
First National (Benefits)
firstnational.com Manhattan, Kansas U.S.A.

First National (Benefits) unauthorized withdrawals from my checking account, lying/dishonesty about a 12,500 dollar grant Beverly Hills California : *EDitor's Suggestions on how to get your money back into your bank account!

REBUTTAL BOX™ | Respond to this Report! | Consumer Comment

What's this?
Corporate Advocacy Program

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

What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

Set the record straight:
Arbitration Program

SEO Reputation Management at its best!

I was contacted and told that i was to receive 12,500 dollars from the government with no strings attached except for a 29.95 filing fee that would be taken from my account and all i needed to provide was my routing and account number. I felt this to be strange, but they gave me a number and tracking number to reach them at so I felt some comfort in that and gave them the number for the grant money to be deposited.

They told me that the government has billions of dollars in grant money to give back to the taxpayers and I was just overwhelmed on hearing that I was to receive this money. Also I was offered benefits which i refused because I didnt need health insurance or long distance service since I had a cell phone and health insurance. It was stupid of me to give them my account number and routing number, but I got caught up in the moment and felt that my prayers were answered for some financial relief.

Anyway I was told that I would receive a package in the mail 2 weeks later and I had to fill out some information before i could get the 12,500 grant money electronically transferred to my account. 2 weeks came by and no package, so I called back at the number given and the same lady answered and told me that the system was down when i gave her my tracking number and to call back the following Monday. Monday came and I called the number again and was told the system should be running around noon and to call back then. Ever since the second time I called I get a automated message saying all operators are busy with customers and to call back or stay on the line.

I periodically checked my account to see if the 29.95 would be deducted and sure enough it was as well as a 19.95 charge and 299.95 dollar charge and a long distance phone company called EZ-1-Rate had taken out 60.00 for service which I had refused when i talked with a First National Representative. I contacted my bank immediately and told them the situation when I found out and now I've been waiting at least three weeks for my bank to reverse the transactions, but dont have confidence that they will do so in a timely manner.

I want to take legal action on First National and want the people responsible indicted on charges of fraudulent activity in my account and reimbursed for all the money taken and all the trouble i had to endure. I was not able to pay my rent and few other bills on time and could have faced eviction because of this company. I want everyone in this company to suffer like I have whether it be in jail/prison or financially. I do not want anyone to go through what I and many others have because of this company. If any lawyers are interested please let me know and I will get back to you as soon as possible. Thanks in advance.

manhattan, Kansas

Click here to read other Rip Off Reports on First Guardian National Benefits AKA First Capital AKA Capital Benefits

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!

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 09/30/2005 07:25 PM and is a permanent record located here: http://www.ripoffreport.com/reports/first-national-benefits/manhattan-kansas-66503/first-national-benefits-unauthorized-withdrawals-from-my-checking-account-lyingdishone-159050. 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

Click Here to read other Ripoff Reports on First National (Benefits)

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?