• Report: #98753
Complaint Review:

Guardian Financial Benefit

  • Submitted: Tue, July 13, 2004
  • Updated: Fri, September 24, 2004

  • Reported By:El Paso Texas
Guardian Financial Benefit
100A Walnut D15 Champlain, New York U.S.A.

Guardian Financial Benefit ripoff, deceptive buisness practice Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!

*Author of original report: Got My Money Back from the bank like Rip-off Report said I would! thanks!

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I was contacted by Guardian Financial about a great offer in May for a $2000 credit card, all I had to do was let them debit $249.00 from my checking account. I set up the debit, however later that day i looked the complany up on the internet and to my dismay I found information about them being a scam. It was too late for me however I called the company back and asked to cancel and they said no.

I received the package in the mail two weeks after it was promised and there was a lot of crap in it about credit reports and more forms to fill out asking for more money. I am very angry when the telemarketer contacted me all they talked about was a credit card, she never mentioned that it was a preload cards and she never talked about any of the other things that would come with it all she dicussed was the $2000 credit card.

I feel very foolish and I am very angry that a company which has complaints against it is still in buisness. If anyone is going to launch a class action lawsuit against the company let me know, I want to be a part of it. I will try to take the steps that Ripoff report. com lists on trying to get the money back. I hope I have a good chance, because it has been less than 60 days.

El Paso, Texas

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 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/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 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.
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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 07/13/2004 02:42 PM and is a permanent record located here: http://www.ripoffreport.com/reports/guardian-financial-benefit/champlain-new-york-12919/guardian-financial-benefit-ripoff-deceptive-buisness-practice-champlain-new-york-editor-98753. 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 Author of original report

Got My Money Back from the bank like Rip-off Report said I would! thanks!

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


Well, I followed the advise of rip off report .dom to get my money back. I went to my bank and told them about how I tried to cancel payment, but it was still posted to my account. They had me sign a form about perjury, I had to do it twice but within about four days they gave me back the money. I did contact the bank within the first sixty days, I almost ran out of time because the first time a signed the form it "mysteriously" got lost, but the second time I spoke to a manager who handeled it himself.

I did contact Guardian one time more before I contacted the bank and they told me to write a detailed letter explaining why I wanted my money back, then I could be refunded. I did not even bother, I just went through the bank.

I must say this is an excellent website. Now I check EVERYTHING out here. Thanks and keep it up it is about time that people can warn eachother without it being censored by the "money makers".
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