• Report: #289509
Complaint Review:

Galaxy Member Benefits

  • Submitted: Thu, December 06, 2007
  • Updated: Wed, February 20, 2008

  • Reported By:Phx. Arizona
Galaxy Member Benefits
www.galaxymemberbenefits.com Nationwide U.S.A.

Galaxy Member Benefits BE WARNED! They called & said they were the Goverment Grant Company. We won 3,500.oo Dollars Nationwide *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: Let Us Make It Right

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They called & said they were the Goverment Grant Company, and we had been choosen for basically a 3500.00 Dollar gift, since we had never had a forclosure or repossession on my credit. There was only going to be a ONE-TIME payment fee of 29.95. And that 2oo.oo Dollars would automatically be deducted to go to a charity of my choice.

I was also told the money would be there 2-3 days later. At first I refused, but they were very persistant, calling me 10+ times a day from different numbers, saying how great the money would be with the coming holidays, & how we could put it towards a house.
So, I gave them my account information, and waited. They took out the $29.95 then $299.95, & another $19.95. I called them to retrieve my money, & was laughed at. They were very rude and said they owed us nothing, but since we "subscribed" they would "cancel" our info, & NO more money would come out. A week later they took another $19.95 out of my account.

So far I am out $349.85. Be very careful of this company. I got ripped off.

Phx., 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 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

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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 12/06/2007 04:50 PM and is a permanent record located here: http://www.ripoffreport.com/reports/galaxy-member-benefits/nationwide/galaxy-member-benefits-be-warned-they-called-said-they-were-the-goverment-grant-company-289509. 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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Updates & Rebuttals

#1 UPDATE Employee

Let Us Make It Right

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

I am a customer service manager at Galaxy Member Benefits, and I am here to make our wrongs right. A common misconception throughout the complaints I have read is that Galaxy Member Benefits contacts customers. We do not. We don't have a sales division, so we use 10-20 third-party marketing companies to contact customers and offer our membership on a trial basis. The orders are sent to us, and we review every verification recording to make sure the customer was interested (if the customer sounds confused or too hesitant, we do not allow the order to process). I am aware this does not totally pass the blame, so we have had conference calls and training classes to explain the seriousness of misleading customers.

We are also considering developing our own sales division to have more control over how customers are being contacted. If we become aware of any marketing company misleading consumers, we immediately halt sales and investigate. We have terminated agreements with marketing companies that we believe were not representing us in a fashion we desired. Previously, we were using a third-party mail house as well. They would provide us with shipping dates for all customers and we would calculate how long we allow the trial membership from that date, including time for the mail to be received.

In any case we received something back in the mail, we would cancel the customers account without billing them. We found this method to be insufficient, so we supply our own fulfillment now. We send out every welcome letter from our office now, and verify addresses before sending them. We have also updated our customer database, eliminating the chances of double billing and deleted cancellations. We do apologize for the inconvenience through our previous methods, and are more than willing to rectify any negative experiences. We have also extended our customer service hours, making it easier for customers to reach us. We are here from 9am-8pm Mon.-Fri., EST. at 1-800-974-7913.

Thank You and let us make it right,
Galaxy Member Benefits
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