American Grant Information Guide Ripoff, Said that I won free money from the Government Los Angeles California *EDitor's Suggestions on how to get your money back into your bank account!

A man by the name of Chris Jardon called me and said that I won money from the government. I asked him what was the catch, because theres alwasys a catch. He told me that if I didn't take the money that it would go back to the government.

So I listened to everything that he had to say but I really wasn't interested because I knew that it would be a catch. He told me that I just had to fill out a package that he would send me and just pay for the shipping and handling. I asked how much would the shipping and handling be and he told me that it would be a one time fee of 249.00. I told him no way. Why would I pay you for grant money that suppose to be free for me. He tried to make it sound really good but I wasnt trying to fall for it. He had told me that he already had my name and my checking account number. He just kept telling he has this information because he go it from the government. I was pressured in saying okay. I told him that I would give him a call and let him know if I wanted to go ahead with this process and he told me that it would be fine. I few days later when I checked my bank accound there was 249.00 dollars missing from my account.

Every since this has happened I have called and talked to the customer service and I keep getting the run around. I talked to a lady by the name of Sanya Grand and she said that I would be able to get my money back. When I tried to call her back they where telling me that she wasn't there. They also told me that Chris Jardon didn't exist. The person that told me that his name was James Douglas, I told him that this was all a fake and then he hung the phone up. I kept trying to call back and know one would pick up the phone. All of these people have very thick accent like they work at 7/11's. Please don't get played like I did.

Bettina
St. Anne, Illinois
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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We are not a collection agency.

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...the victims' advocate

WE are Civil and Human Rights Activists

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...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.