FUNDAMENTAL CONSUMER STRATEGIES BIG RIP-OFF ALBANY New York *EDitor's suggestion on how to get your money back for fraudulent charges to your bank account!

I WAS CONTACTED BY THIS COMPANY CALLED FUNDAMENTAL CONSUMER STRATEGIES (WHICH THEY REFER THEMSELVES AS MASTERCARD) ON NOV. 3, 2004 BY A REPRESENTATIVE NAME FRANK. HE WENT INTO A WHOLE SPILL SAYING THEY HAD A SPECIAL OFFER BY MASTERCARD FOR A LIMITED TIME OFFER TO RECEIVE A MASTERCARD WITH A CREDIT LIMIT OF $2,000 AND THE ONE TIME FEE WOULD BE $299.00 WHICH HE SAID WOULD BE TAKEN OUT OF MY CHECKING ACCOUNT FOR NOV. 19, 2004.

HE CONFIRMED ALL THE BENEFITS OF THE MASTERCARD AND SAID I WOULD RECEIVE IT IN 7-10 BUSINESS DAYS. AFTER AGREEING WITH IT, HE PUT HIS SUPERVISOR ON THE PHONE TO CONFIRM THE OFFER AND HIS NAME WAS MICHAEL BIVENS. THEY GAVE ME A CONFIRM# OF 1323529 WELL THE AMOUNT WAS TAKEN OUT OF MY CHECKING ACCOUNT ON MON. 11-22-04. I WAITED DAYS AND DAYS AND THEN WEEKS, I CALLED THE TOLL FREE NUMBER 1-866-333-1593 SEVERAL TIMES AND I WOULD GET A BUSY SIGNAL OR THE LINE WOULD JUST RING AND RING THEN A RECORDING WOULD COME ON SAYING THE REPRESENTATIVES ARE BUSY TO TRY YOUR CALL LATER.

IT WAS DIFFICULT TO REACH ANYONE AND FINALLY I WAS ABLE TO REACH A REPRESENTATIVE NAME AMY, I EXPLAIN TO HER THAT THEY TOOK $299 OUT OF MY CHECKING ACCOUNT AND IT'S BEEN 3 WEEKS THAT I HAD NOT RECEIVED ANY CREDIT CARD. SHE THEN TOLD ME I SHOULD RECEIVE IT IN A FEW DAYS. A WEEK WENT BY AND STILL NO CARD, I CALLED BACK WITH GETTING A FAST BUSY SIGNAL ALOT, FINALLY ABLE TO REACH A ANOTHER REPRESENTATIVE NAME MELISSA, SHE SAID SHE WOULD EXPEDITE IT. IT HAS NOW BEEN 6 WEEKS AND I'M NOT ABLE TO REACH THEM, THEY NOW HAVE A RECORDING SAYING THE OFFICE IS CLOSED FOR THE HOLIDAYS AND TO PLEASE CALL BACK JAN. 3RD.

I CONTACTED THE BETTER BUSINESS BUREAU. I AM DETERMINED TO GET MY MONEY BACK FROM THESE CROOKS. THEY SHOULD BE LOCKED UP FOR TAKING ADVANTAGE OF PEOPLE.

Maria
ST. LOUIS, Missouri
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 you 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/comptroller 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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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.