Report: #121429

Complaint Review: Fundamental Consumer Strategies

  • Submitted: Mon, December 06, 2004
  • Updated: Mon, December 06, 2004
  • Reported By: Clarkdale Arizona
  • Fundamental Consumer Strategies
    234 Hudson Ave Suite 1826
    Albany, New York

Fundamental Consumer Strategies RIPOFF's for sale A 1 time fee of $299 Albany New York *EDitor's suggestion on how to get your money back for fraudulent charges to your bank account!

*REBUTTAL Individual responds: I HAVE BEEN TAKEN FOR A RIDE!!!!

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


My name is Trisha Talbot. Nick name, STUPID! I recently receved a call from a Credit Card service by the name of, FUNDAMENTAL CONSUMER STRATEGIES and was an unsecured credit card with a 1 time fee of $299.00. I have been trying to get approved for a credit card and have had no luck untill now. As it was said, I would pay the 1 time fee and would recieve info about the credit card in 3-5 days after the date of the call. I'm still waiting! And waiting,......

This place gave me a number to call if at any time I decided to change my mind,(1-866-333-1593) was only a recording that was reached during there non-buisness hours of in which they were closed. I should have noticed by the way the message was badly recorded, it sounded like a women at her home and was having problems keeping the phone in her hands.

To make a long story short, I was charged the 1 time fee of $299.00 and now I cant even write a check, let alone charge an item at a store. BECAUSE I DONT HAVE A CREDIT CARD, NOR DO I NO LONGER HAVE A BANK ACCOUNT! I would like to Thank You, Fundamental Consumer Strateies for your professional services. You have really helped me and my two kids out this Christmas, and now my credit is worse then it was before.

Sincerly Yours,
December 6, 2004

Clarkdale, Arizona

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!

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 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.
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!

This report was posted on Ripoff Report on 12/06/2004 08:17 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

Search for additional reports

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

Report & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!

Updates & Rebuttals


#1 REBUTTAL Individual responds


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

I received a phone call at work (October-27-04), telling me that I had been approved for either a Visa or a Mastercard. I was told that I had been approved up to a $2,000 limit and that I would need to pay a one time $299 processing fee. I was also told I would receive my card in three-four weeks. The representative, "Nancy Jacobs" gave me a confirmation number as well as phone number with an extension number.

I have lousy credit and am in the process of attempting to re-build my credit; so I jumped at the chance. The funds were deducted from my account on 11-12-04 and as of today, still no card and got weaseled out of $299.

I, too, was counting on using this "card" for Christmas and I can plainly see that it is not going to happen.
Respond to this report!
Ripoff Report Recommends
ZipBooks Accounting Software

Advertisers above have met our
strict standards for business conduct.