Fundamental Consumer Strategies Aka FCS ripoff Albany New York *EDitor's Suggestions on how to get your money back into your bank account!

I was contacted back in the middle of october (around the 18th.) I was told by a man with an accent. I was told that my name was given to them by a credit service whom i had applied for the day before.

I was told I would be recieving a $2500.00 credit card with a low intrest rate (2.9%) and no annual charge, if I would pay the intro price of $299.00. I was told that all I needed to do was have the money in my account on november 4th. He then stated to make everything official, I would have to talk to his supervisor.

I then asked him when I could expect delivery. He said a few days after payment was recieved.

A man named kevin came on the line and he told me, that for quality control he would have to record and that i was to answer yes or no for all his questions. I was asked to repeat my account number and routing number, and a few other questions.

I called my bank on november 5th to check status on withdrawal. Nothing. On november 8th my account was debted $299.00.

On november 22nd I still did not recieve my card so I went to call FCS. The number I was given was bogus. So I called my bank and recieved a number to AIG (finacial firm) they gave me a number to another company, who finally gave me a number to FCS.

I called them and explained what was going on and I was told delivery could take as much as 6-8 weeks. So I waited and waited and waited. DEC 20th was the end of 8 weeks.

I called back on dec 20th, I talked with a man. He said it should not have taken that long and that he would fedex air mail me in 3-5 days (this put final delivery date on christmas 2004).

I called back on dec 24th and got a busy signal 3 times on the fourth time I got a machine saying that they would be out of the office till january 3rd. Finally I called fedex to see if they had anything being delivered to me. I was told they did not.

Well I hope this helps someone
any questions feel free to contact me

james
moutain city, Tennessee
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!

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
...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.