NATIONAL CHOICE BENEFITS - AMERICAN FIDELITY - NATIONAL CHOICE GRANTS - KATHY WALTERS - ROSE PAIGE - ADVANTAGE AMERICA BENEFITS RIPOFF GOVERNMENT GRANTS PROMISED BUT NOT THE CASE WINTERPARK Florida EDitor's Suggestions on how to get your money back into your bank account!

I just want to warn everyone reading this article about this fraud of a company. there are a few names that they go by the one they used when calling me was national choice.usually when the number pops up on the caller id it will say unknown caller unknown number.The other name that they go by is Advantage America benefits.National choice was the company that withdrew the amount of $59.95 from my bank account to "sign up". The person that contacted me told me that I was entitled to a grant in the amount of $12,500.00.She stated that her name was "Rose Paige and her government id # was cs 1009. The $59.95 was supposed to be for processing of the package i was to receive.

I recall someone from this company calling me months ago trying to do the same thing. I turned him down when he asked for my checking account number. so recently when i received a phone call from this company aging i thought it must not be a scam. this company promised me that i would receive a $500.00 coupon for groceries or i would be able to deposit it into my account to cash. They said out of the $500.00 to save $59.95 for the processing fee. They weren't suppose to withdraw the funds from my account until i received the package.because they would take it out of the 500.00. It took them no longer than a day to withdraw the money from my account.This is when i thought something is not right.

I am finally recieving the package two weeks later. is stated that there is going to be a charge of $299.95 also taken out on my account. I never agreed to the $299.95 ,But when i called to cancell after i saw this on the welcome letter. They told me to wait for the welcome letter and i would only receive a refund if i wasn't approved for a government grant. even though the lady never mentioned $299.95 being taken out of my account.I talked to what is supposed to be a supervisor who told me that he can't control what the sales representatives say when they call.

I asked if i could have the name of the person in charge of this company. I was told that they could not give out this information for safety reasons. I immediately called my bank and got a stop payment put on my acccount for this company. and then i went right to the bank and closed my bank account. These people are scam artist and are out to steal your money.

Oh! and they also told me that they needed my banks phone number because the bank would call me to authorize the funds to be deposited into my account. I have learned one thing from all of this never give your bank account number out over the phone,or on-line.

Taneesha
Randallstown, Maryland
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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