• Report: #149552
Complaint Review:

First National Healthcare Benefits

  • Submitted: Wed, July 13, 2005
  • Updated: Wed, July 13, 2005

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

First National Healthcare Benefits ripoff bank account, invalid address, answers the phone then doesn't, promissed credit card Charlotte North Carolina *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Suggestion: My Credit Union'S response

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Promissed a credit card for a fee of $299.00 deducted from my account on Dec. 8, 2004. Used my voice recording to sell health insurance and when I disputed this, they played it back to me and I heard 2 instances where I said no to their offer. Still they would not admit their error or refund my money. When calling re: the redit card, they anwer the phone after 10 or more rings, claim to be someone else at a different number then I dialed. When I call back, they don't answer at all.

I was somehow unknowingly hooked up to a voicemail service no one ever mentioned. I found out by a monthly charge of $9.95 being withdrawn automatically from my bank (LaSalle). LaSalle was reluctant to do anything except offer me a new account number. I received a packet from them in March that included a signature form for the card and givern the above address to mail it. I sent the form out the nest day and in June the post office returned it with a stamp saying not deliverable, unable to forward. I called and was given a fax number to send the form and faxed it. I called today (July 13) and got the same runaround. To date I am out the $299 deposit, $20 for health insurance, $28.85 for three months of voicemail.

chicago, Illinois

Click here to read other Rip Off Reports on First Benefits

CLICK HERE to read about Credit Card Scams... find out how to get your money back. Consumer makes harsh but accurate statements. *Rip-off Report Investigation follow-up provides valuable information.

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.
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We are Consumer Advocates.
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...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 07/13/2005 08:19 AM and is a permanent record located here: http://www.ripoffreport.com/reports/first-national-healthcare-benefits/charlotte-north-carolina-28277/first-national-healthcare-benefits-ripoff-bank-account-invalid-address-answers-the-phone-149552. 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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#1 Consumer Suggestion

My Credit Union'S response

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

I was a victim of this scam and my own stupidity, but my Credit Union's response was very helpful.
All banks have dealt with these rip-offs and scams before and should be very helpful. if they do not promptly become supportive and reverse the charges you should report them to all governing agencies. Then you should close all accounts with them and move your finances to a different financial intitution (bank).
My experience with my bank was very good despite the circumstances. They have within 7days looked into the issue and have told me that the charges will be reversed (not yet).
They still have three days to go but so far they have at least acted like my money is coming back.
Do as the editor suggests and there should be a few forms at your bank and some good customer service followed by you getting your money back.
I didn't even have to rough anybody up
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