Report: #114463

Complaint Review: First Credit Union - New York City New York

  • Submitted:
  • Updated:
  • Reported By: san francisco California
  • First Credit Union 44 Wall Street 12th Floor New York City, New York U.S.A.

First Credit Union ripoff New York City New York *EDitor's Suggestions on how to get your money back into your bank account!

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My family and I haven't had a vacation togerther for 2 years. when this high powered crafty person called and promised me that We would recieve a $2500 mastercard in time for our vacation, I told him that would be nice, I've been saving money for this particular vacation a chance to do something a family, sice most families nowadays hardly spend that much time together.

I don't have that kind of money to put out right now for a credit card, because I've saved money to rent a car and cover expenses we would have for the whole week, also it was going to be a special time because the Sunday of that week I was on schedule to be baptised at Church and that Thrusday was my birhday. The evil man on the phone promised me that I would recieve a package in the mail and have my card by the time that week arrived the 3rd week of August. UGHHHHHHHGHGH!!!! no card , we didn't go on vacation, I've heard about this everyday I get home from work and my wife hands me the mail.

Thanks alot for destroying my peaceful family and doing the devils work in my house. no vacation and the continueous daily reminder of this calmity you have brought upon my house, these people are a terrorist monster operating right here in america destroying innocent people hiding their lying face behind a phone sitting in some hidden office that doesn't exisit, ripping off hard working american families.

They lie when you call them and make you promises without even knowing your name. When I call they tell me we'll be calling you on Thrusday, I tell them I haven't even told my name yet. I want my money back, and want peace back in my house when I come home from work every day and I don't want them to put in my bank account I want my money back in the hard earned cash that I worked for, that they ripped me off for me, my family, my vacation, and destroying my peace of mind.

Where's the FBI when you need them, this is a terrorist group operating right under the red, white and blue, and killing families ones that are working American families like me and you. who is goning to stop them, when will I get my "credit card" support from my wife back or my moneY????????

san francisco, California

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

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.

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!

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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 10/25/2004 11:17 AM and is a permanent record located here: https://www.ripoffreport.com/reports/first-credit-union/new-york-city-new-york-10005/first-credit-union-ripoff-new-york-city-new-york-editors-suggestions-on-how-to-get-your-114463. 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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