Advantage America told me No money would leave my account, that I had been chosen to recieve $25,000.oo gov money ripoff Winter Park Florida *EDitor's Suggestions on how to get your money back into your bank account!

In oct.2006, I received a phone call saying I had been selected to recieve $25,000,00 gov. money (free of charge ) I was asked for checking info to prove I was an adult and u.s. citizen.

As soon as this info left my mouth, I told them to forget it. I wasn't comfortable with it and I hung up. They called back several times and I just said, No, No, No!!!

About a week later, I got a statement from my bank saying I was seriously overdrawn. They had taken $299.00 out of my account. The bank said, there was nothing I could do except call the company in question.

I had written down their #, so I started calling. I got a recording saying they were sorry but I should call customer service (that is who I was calling ) The day I got thru to them was the day after my time to cancel had expired.

I called continually and was given a differant date, every time, that i could have a refund. Finally, I was told that I had to wait 6 months.

I received the book on grants and the rest of their program about 5 weeks after my initial phone call. I did not have a computor so could not go on line to check the program out and i have Free medical care so i did not need the benifits, I had seemingly signed up and paid for.

I am 58 yrs old, disabled and live on $769.00 survivors benifits as my husband passed away in Aug.2004. I told them, all of this, and was told, they were very sorry, and would i like $500.00 in " dining out" coupons!! I responded, by saying, No, I just wanted my $299.00 back.. I just got a computor and went to their web site (couldn't acchess it). That's where I found you.

I would love to see Justice done, as, I'm sure there are many people like me out there. I accept the fact that I did a stupid thing by giving my banking info out. I realized it, when I did it. but these people need to be STOPPED. Thank you for being there

Geneva
mesa, Arizona
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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