• Report: #86896
Complaint Review:

Prime One Benefits

  • Submitted: Wed, April 07, 2004
  • Updated: Wed, April 07, 2004

  • Reported By:Houston Texas
Prime One Benefits
363 7th Ave 9th Fl. New York, New York U.S.A.

Prime One Benefits/ Financial SHAMELESS RIPOFF, AND I WANT MY $$ New York New York *EDitor's Suggestions on how to get your money back!

*Consumer Suggestion: Stop Talking about lawsuits and contact your bank

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The exact same thing happened to me as all the others....I was called in late January 04 by a half-english-speaking low life. I was told I was pre-approved for a 1,000 Mastercard and that my limit would go up in increments of $1500 if I made my payments on time.

All they needed was a one time fee of $187. This all sounded good then because I desperately needed money for college. Needless to say, I never recieved the card and my bank account was debited the money. Now, my only mission in life is to get my money back and to nationally expose those rodents for who they are.

THEY NEED TO BE STOPPED! I will be more than happy to assist in any type of lawsuit against them. That would put a big smile on my face.

Houston, 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.
...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

Click here to read other Rip Off Reports on Prime One

This report was posted on Ripoff Report on 04/07/2004 07:05 AM and is a permanent record located here: http://www.ripoffreport.com/reports/prime-one-benefits/new-york-new-york-10001/credit-debt-servicesprime-one-benefitsprime-one-benefits-financial-m4a44htm-86896. 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 Consumer Suggestion

Stop Talking about lawsuits and contact your bank

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

Stop Talking about lawsuits and contact your bank and file a transaction dispute over the debit from your account. When you tell your bank the money was illegally withdrawn, they usually act quickly. They have a reputation to protect and can't be associated with business depositers that commit crimes!

Next, find out from you bank the name of the ACH Clearinghouse that handled the transaction for the firm who screwed you.

Contact them and dispute the ACH Debit.
Find out from your bank, the name of the bank that handled the transcation for the ACH Clearinghouse.

Contact them and dispute the transaction. Tell the bank that it was illegal! No matter how much time has elapsed.

These lowlifes use the tactic of stalling a month or two and then another month or two of not answering the phones.

For any one still pursuing them, they have either closed up shop or sold it off to someone else.
Send a rebuttal to this report and list the ACH Clearinghouse's name and phone number.
List the name and phone number of the bank used!
Good luck.
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