Report: #167552

Complaint Review: Advantage America Benefit / EasyOneRate

  • Submitted: Sun, December 11, 2005
  • Updated: Thu, April 20, 2006
  • Reported By: Simi California
  • Advantage America Benefit / EasyOneRate
    Winterpark Florida
    Winterpark, Florida

Advantage America Benefit/EasyOneRate ripoff promising $5000 grant deposit in bank account, $49.00 processing fee to be paid after deposit is made, Who is going to stop these jerks from India! Winterpark Florida *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!

*Author of original report: Advantage America -Dave is right?

*Author of original report: Advantage America scam-STILL NO MONEY RETURNED BY WASHINGTON MUTUAL

*Consumer Comment: why wouldnt you CLOSE YOUR ACCOUNT?????

*Consumer Comment: Why didn't you close your account?

*Author of original report: Advantage America Very persistant thieves

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This joker was noticeably a foreigner, extremely thick tongued, from India maybe or Iraq, Pakistan, and I couldn't understand what he was saying. He told me not to worry about what I couldn't understand, just take the money!

He said I had qualified for a $5000 grant that would be deposited into my bank account tomorrow. I am in college and I thought I was getting my grant, that I already applied for, deposited into my bank account, so I gave him my banking information, routing number and all.

Then he atarted talking about health plans and long distance servuce for $19.95 a month and a monthly fee of $49.95. I refused this service. I said I didn't want to change my long distance provider.

I called their phone number today to make sure I was not changing my long distance carrier and my bank account would not be charged for a service I don't want. For one hour I listened to their recording saying "all representatives are busy helping other customers, please stay on the line and a representative will be with you shortly."

I finally hung up and looked up this company on RipOff Report. So here I am making a report, just like everyone else. Who is going to stop these jerks? Let's all go to Winterpark, Florida and stand outside their office until with a shotgun in our hand until they return our money.

Simi, California

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 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.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off & Author of

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 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 12/11/2005 01:31 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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Updates & Rebuttals


#1 Author of original report

Advantage America -Dave is right?

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

Hey, since you're in agreement with Dave you need to read my latest update as to why my account wasn't closed. You and Dave don't know EVERYTHING. Read my update, stupid as Dave!
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#2 Author of original report


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

Today is April 20, 2006 and I just spoke with a manager from my bank. He told me that the money I am asking to be refunded for this rip off doesnt come from the company, that the bank takes a loss for the return of the money so its up to them if they give me my money back. Is this true?
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#3 Consumer Comment

why wouldnt you CLOSE YOUR ACCOUNT?????

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

Dave is right and im getting a little upset with all these people.I read just 1 report and i was on the phone with my bank while i was still online.Why oh why would you think your special and that you should just leave your account open and then complain????there are over 4 hundred reports here.

dave and myself have chanted a mantra of "CLOSE YOUR ACCOUNT,CLOSE YOUR ACCOUNT"I am not sure if dave was ripped off but i was.

I listened to the EDitors suggestions and undrestood this is a serious scam that could cost you a-lot of money,

Why doesnt anyone else get it??

First of all do not give any info out but if for some weird alighnment of the stars and the persistance of a foriegner , you give out your info.... take your own rights and power back by closing your account.

disapear by not being account #12345 anymore.

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#4 Consumer Comment

Why didn't you close your account?

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

You're in college? And, you say you checked out RipOff Reports? And, you knew they were going to debit your account anyway, so you pulled all your money out first? You knew they were a scam?

It doesn't take a rocket scientist to figure out this is a scam, yet you left your account open, knowing money was going to be deposited from you SS.. you are an idiot, plain and simple. You shouldn't get your money back from the bank, you will just give it away to some other scammer, because you have absolutely no common sense.

Maybe you should actually start attending those college courses...
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#5 Author of original report

Advantage America Very persistant thieves

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

After they took the $49.95 which I didn't authorize, I took all the money out of my checking account. They tried again on 12/29/05 to get another $299.95. They didn't get it because ther was no money in the account for the month of January. So they waited until my social security deposit came on February 3, 06 and zapped my account for the $299.95. Very persistant thieves. Now I am in the process of getting both debits refunded. I also reported them to the feds for consumers.
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