• Report: #336207
Complaint Review:

United Benefit Advantage - United Benefits Service

  • Submitted: Sun, June 01, 2008
  • Updated: Tue, October 21, 2008

  • Reported By:Mechanicsville Virginia
United Benefit Advantage - United Benefits Service
1620 Bond Street Naperville, Illinois U.S.A.

United Benefit Advantage - United Benefits Service Constantly removing money from my bank account monthly. I haven't seen any benefits from all of this. All I got was a brochure Naperville Illinois *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Suggestion: However you got into this....here is the way out....

*UPDATE Employee: Dear Cameron

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For the past couple of months, United Benefit Service or United Benefits Advantage or whoever they really are, has been taking out monthly fee out of my bank account. I honestly don't remember signing up for this kind of disservice, I might have through a pop-up. However, when I opened up the brochure to look for information on how to cancel the membership, I found what I was later to discover a false address and a false phone number in the transaction statement. They charged $19.95 in April and later charged $39.99 in June. I have had it and all I want to do is get my money back and switch to a new debit/credit card before it gets worse.

Mechanicsville, Virginia

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.

This report was posted on Ripoff Report on 06/01/2008 02:33 PM and is a permanent record located here: http://www.ripoffreport.com/reports/united-benefit-advantage-united-benefits-service/naperville-illinois-60563/united-benefit-advantage-united-benefits-service-constantly-removing-money-from-my-bank-336207. 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

However you got into this....here is the way out....

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

If you tried canceling your service with the phone number provided or "vendors" phone number listed by your credit card company chances are that you have been feel like you are chasing a ghost.

I spent 3 weeks trying to cancel via the company and no luck talking to a person...i only got a recording stating "all of our agents our busy...the estimated wait time is 7 minutes" I waited and waited...and still no anwer everytime I called. I then went to my credit card statement and was able to look up vendors phone number...it was a fax number. Then i tried all possible combinations of 10 digit numbers with the reference number...no luck. I tried calling directory assistance...no luck

I found it! On my own credit card statement, the number that led to my freedom. On my statement (amex) it listed the auto deduction as "Buyers Club" then underneath it had a slew of numbers it was 17 digits, like this: XXXXXXXXXX-XXXXXXX the first 10 digits was the national directory assistance (the expired old directory assistance number) the last 7 were seperated by a dash so I didn't think at first to combine the last 3 digits of the 10 digit number until I looked up the area code numbers for the address listed on my statement. My funds were being deducted by some address in Deerfield FL...and the area code of numbers was 954 which also was the last 3 digits of the first set of 10 numbers.

When I called the number I asked to speak to someone about my united benefit membership and they were able to cancel me over the phone. I guess it is numerous companies that sponsor United Benefit Advantage so this number may not work for all but it worked for me: (954)570-7700...if this number didn't work my next step would have been to call my credit card company dispute charges and possibly get a new credit card number all together to stop future charges.
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#2 UPDATE Employee

Dear Cameron

AUTHOR: Edwin V - (U.S.A.)

Dear Cameron,

We are sorry to hear that you are not satisfied with the program. Please note that along with the brochure you mentioned in your complaint, there was a billing insert which described the billing process and provided the toll-free number to call in the case you felt the program was not for you. In addition to the billing insert, you also received a membership card which has the additional toll-free number to call to access the membership services.

Please call either of the toll-free numbers listed in your materials or our General Customer Service number, 1-888-255-4989, so we can determine and connect you to the company you joined the program through, for that company to be able to act on your request.


Edwin O. Velazquez
Program Support Specialist
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