First Financial - Parnelli Inc. pay $299.00 now and receive a credit card with $3000 limit Nope, all you get is rude customer service! Sourth Burlington Vermont *EDitor's Suggestions on how to get your money back into your bank account!

I received a phone call on July 24th, 2004 from someone calling from First Financial. I pay a one time annual fee of $299 and I will receive a credit card with a $3000 limit. My package would arrive in 25-30 business days.

Today is October 20th, 2004 and am still without package/credit card. I have contacted First Financial who tells me they are a research company and I should receive a package from Parnelli Inc.

The lady, Lisa Kelly, is extremely rude and has hung up on me twice. They told me that my package would not include a credit card, but gas vouchers and a security form with an 800 number to call for the credit card where they would then ask additional information to begin that process.

I have called them at least 8 times. Written a letter to them which was returned to me by the post office with a stamp on it that said "Attempted Unknown." The address is First Financial, P.O. Box 142 South Burlington, VT 05403 Their phone number is 1-800-405-0445. Everyone that works there is VERY rude.

I have contacted police in South Burlington, VT, my bank, and the Better Business Bureau in Vermont, but we are early in the investigation and haven't gotten far yet. Unfortunately it's past 60 days, but I did go to my bank at 59 days and they didn't seem to know what to do. I spoke with EVERYONE that worked there as well. Nice gals, but a small town. These things don't happen. Better luck to everyone else. Please don't fall victim.

Casey
Marion, Iowa
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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...the victims' advocate

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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.