Report: #153168


  • Submitted:
  • Updated:
  • Reported By: Faber Virginia

MAJESTIC BENEFITS ripoff, scam artist, theives, liars, bad credit devils, CHAMPLAIN New York *EDitor's Suggestions on how to get your money back into your bank account!

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I recieved a call from a pleasant woman stating that she was from Majestic Benefits and I have been approved for a $5000.00 credit card. I was very excited being that I am planning a wedding and I needed the $5000.00. She said that I just had to pay the one time fee of $299.00 and when the draft cleared my account, withing 30 days I would recieve my card.

Oh this is the kicker, I also won a free vacation to any destination of my choice. I agreed and I gave her my information and then the confirmation office called and said just answer yes or no the following questions and he asked very quickly gave me a confirmation number and telephone number and hung up the phone. I did not hear anything from this company until I called them after the draft cleared my checking account and a co-worker checked the BBB and retrieved 76 complaints about Majestic Benefits.

At that time I contacted Majestic and stated my concerns of being scammed by them. They told me I agreed to this cash card and I did not. I requested my money back and they refused to give me my money back. I went to my bank and they said since I did authorize the withdrawal they could not do anything to help. It has been 2 months and I have not recieved the credit card or "benefit package" and when I called them concerning this I was told that I could request a refund by letter but the doubt I would get it and they would put another request in for another package. I asked if there was someone above her that I could speak with or another telephone number that I could call, she responded that the managers are in the sales dept and the came only make calls, they could not recieve calls.

I then reuquested if I could leave my telephone number in order for them to call me. She responded by saying that she does not have access to this department. So I got irate and again demanded my money back, at which point she hung up the phone and I haven't been able to talk to anyone since that. This company is a legal theive. We need to come together and stop this company forever. Our government needs to stop companies especially Majestic Benefits from stealing from honest, hardworking citizens.

Faber, Virginia

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 08/10/2005 07:33 AM and is a permanent record located here: https://www.ripoffreport.com/reports/majestic-benefits/champlain-new-york-12919/majestic-benefits-ripoff-scam-artist-theives-liars-bad-credit-devils-champlain-new-yo-153168. 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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