On this paticular day I received a phone call from a man sounding like he African on from the middle east somewhere where he had a strong but bussiness accent that sound very believable. He told me that I have been the government has $12,500 waiting for me because I am a U.S. citizen and that I pay taxes. At first I said yeah right he began talking to me telling me that this is true its based on my credit score and that the government wants to help me. Also stated that the goverment receives more than 50billion dollars in grants each year and that I can use it as I please.
I began believing that it was true then he said check out are website www.firstnationalgrant.com I checked it out and it seemed to be true. Im thinking anybody with a website it must be legal or they would have been shut down or something. Then he stated that all I had to pay was a goverment fee of $29.95 and he needed checking account number and in 3 weeks that they would call me and my bank would call me and say that I have a deposit of $12,500 from the U.S government. Also that I will receive a packet with $100 spending money in my account from the company for emergencies purposes guarenteed within the next 3 days guarenteed.
So I gave him my information. In the back of my head I was thinking that this cant be a scam if it was my bank covers fraud charges and scams on my account so either way Im not going to get cheated.And its only $29.95. 3days past and I didnt receive a call or a packet in the mail. Then I get back on the internet at www.firstnationalgrant.com from my same comoputer and it said that I have been suspended from this website and a email has been sent with the reason why.
I received no email and couldnt email back. I called my friend she got on the computer and was able to access the site but funny I was blocked and they have my checking account number. Then I go to the search on yahoo type in first national grant.com and to find out that this was a rippoff. I was stunned because I thought that I would be able to pay off all my student loans and bills and my heart dropped. I then called my bank and told them that I have been ripoped off and what can you guys do to help me they then told me that since I gave my account information it was nothing they can do about it.
Now this makes me think how did they get my phone number or even my name. About 2 months ago I have been filling out alot of cash/auto loan applications on the internet in desperate need of cash and a car. 1 evening I received a call on my cell phone I just purchased my cell phone about 2weeks prior 2 firstnatinalgrant calling me. The only people who have my cell phone numbers were people that have internet ads and car ads that say quick cash up $500 dollars into your account over night /get a car with bad credit andf no money down.
So they must have another website and or my information must have been sold to another third party so watch out for all of them. I couldnt narrow the search down and figure out who and how they got my number but filled alot out and i was in desperate need of cash so watch before you give out any in formation on the internet unless you are 1000% positive.
U.S.A. EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
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! DO NOT TAKE NO FOR AN ANSWER!
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. CHARGES TO YOUR CREDIT CARD
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 EDitor@ripoffreport.com bad
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.