Premier Benefit ripoff! Pushy! Orange County California *EDitor's Suggestions on how to get your money back into your bank account!

well i got a call thursday feb 17, from a leena roger ext. 0266 that i have been selected to recieve 200.00 dollars in coupons they are 10.00 dollars each. i can use them anywhere in the U.S.plus a 7 day calling card then i use it and can throw it away and all i would have to do is pay S&H which was 3.95 i said ok sounded good.

so she said i can do it electronically and i would receive my package from ups.i just had to give her my rounting number on the check at the bottom all the numbers so i did and them they sent me to her verifying manager. As he was on the line with me he asked all the questions and a beep after that when i said yes until i heard something about 49.95 taken out and then i stopped and said no.

i don't want it cancel everything dont take nothing out of my account and the line went dead. so i called back the number they gave me and asked them the for leena roger and the ext and they said that it wasn't on file yet and it would be taken care of. until they called back and i got really ugly and said no and had some nasty word and said i was done and thru with it do not take nothing out of my account and delete everything.i hung up..

Friday morning got call from them it was a man trying to sell it to me again and i explained everything again to them saying you called yesterday and i cancelled...then they called 4 times all together and i said my husband works at the bank which he does and i said everytime you put it thru he is going to charge you a fee.plus i put a stop on it. i said you have any questions call my husband at the bank gave them the number and they said they would.

called my husband and they said they didn't call and he called them twice and said 1. take our name off the list and they said it will be done 2nd time i called him and said they kept calling so he called back and told them about what he does at the bank and he knows all the banking stuff and the man said it would be taken care of and so far no phone calls and i looked online and found this..

Candy
haworth, Oklahoma
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
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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...the victims' advocate

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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.