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

On May 5, 205 I was called by Troy Foster from Premiere Benefits. I was told that I could get $200.00 in FREE coupons to use at any of my favorite stores, like Wal-Mart. All I had to do was pay $3.95 from my checking account.

I do not have any paper checks, so I was asked to give my routing number and checking account number so that the $3.95 could be taken out of my account. I then had to listen to a very distorted recording in which other offers were given to me. I said no to all but one, of which I did not fully understand because it sounded exactly like the one that Mr. Foster was telling me about. When I asked Mr. Foster if this was the same as the one he was going to take the $3.95 out for, he said yes. So, I agreed.

I was also told that I would get my packet of coupons and cancellation information in the mail shortly. I was also told that I could look over the packet and other information that was going to be sent to me and then, I cancel within thirty (30) days and not be billed any amount at all EVER! However, I learned this was a lie!

On May 12, 2005, my checking account was drafted $119.90... barely seven days after I was contacted by Premiere Benefits! Then, on May 27, my checking account was drafted $149.90, only 22 days after I was contacted by Premiere Benefits. Each draft was done before my thirty days was up! I DID NOT AGREE TO THESE BANK DRAFTS ! Mainly BECAUSE MY THRITY DAYS TO LOOK OVER THE PACKET (which never came) AND INFORMATION WAS NOT ANY WHERE NEAR COMPLEATION! What I rip off.

I am a physically handicapped American Citizen with type two diabetes. I feel that I was taken advantage of because I am handicapped and I told Mr. Foster this when he called. I also told him that I have an extremely limited income and that I am living on Social Security Disability and Supplemental Security income. Because I was lied to, my checking account is overdrawn by a minus $93.67 which leaves me so broke, I can't buy the medications I need and both my bank and Premiere Benefits can't put the money back into my account in time for me to buy my medications...and I have NO ONE to help me!

As soon as I can, I have to close my checking account and open a new one. This will cause my direct deposits with Social Security to come in late. I am very depressed over this and can't stop crying. I was ripped off by this deceitful lying company and they should pay back all my money immediately and pay my over draft fees as well!

Susan
Kerhonkson, New York
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!

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.