Report: #158615

Complaint Review: Oxford Financial - Tacoma Washington

  • Submitted:
  • Updated:
  • Reported By: Spanaway Washington
  • Oxford Financial Oxford Tacoma, Washington U.S.A.

Oxford Financial tried to rip me off of $249.00 acomao xford Tacoma Washington *EDitor's Suggestions on how to get your money back into your bank account!

*Author of original report: CANADIAN TELEMARKETING RING ARRESTS - Eric FOLGORA - Sean Carlos SOMMA - Antonio MARCHESE - Claire-Stephanie TAN

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I received a call just last week about an unsecured mastercard with a credit limit of $2000.00 and an insurance fee of $249.00.

The lady on the other end said I was approved and the credit card was intended to repair my credit. Since recently I had applied for a few credit cards I was not suspcious.

She then transfered me to speak to someone else about setting up a eletronic check for the $249.00. The man recorded all my personal information including my social security number.

He said they would cash the check that coming Friday which was my next payday. On that Friday nothing was withdrawn, which seemed kind of strange since it was supposed to be electronically withdrawn. So I called them and got an answering machine which seemed very homemade, I heard people talking in the background and everything. It struck me as unprofessional.

I started to have a very bad feeling about this company. On Monday I checked online to see if they had withdrawn the money yet, and they did. Today(Tuesday)I used the search engine to check them out. I couldn't find anything on them until I came across your website(thank god). I immediately called my bank(bank of America) and they said they had caught the fraud because of a strange check number, so they had reversed it and my money would be put back into my account. She told me I should close my account and open a new one. And since they had my social security number I should put an alert on it with all three credit bureaus, which I did. Thank you ripoff.com for saving my money. These people need to be put out of business and go to jail for what they are doing to people that already have enough going on in life and then have to deal with this.

Spanaway, Washington

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 09/27/2005 09:06 PM and is a permanent record located here: https://www.ripoffreport.com/reports/oxford-financial/tacoma-washington/oxford-financial-tried-to-rip-me-off-of-24900-acomao-xford-tacoma-washington-editors-s-158615. 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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#1 Author of original report


AUTHOR: Ted - (U.S.A.)

POSTED: Tuesday, September 27, 2005
Broadcast time: Immediate

Tuesday September 27, 2005

Unit: TPS Fraud Squad

Phone: 416-808-7300

Members of a sophisticated telemarketing ring have been arrested by the Toronto Strategic Partnership in Deceptive Telemarketing. Two Toronto telemarketing rooms were shut down following the execution of search warrants. At the same time another room operating in Calgary was simultaneously shut down by the Alberta Partnership whom also executed a search warrant. The search warrants were executed on Monday September 26, 2005.

The Toronto Strategic Partnership is a multi-law enforcement agency response to Mass Marketing Fraud. It includes the TPS Fraud Squad, Ontario Provincial Police, Phonebusters, York Regional Police Service, RCMP-GTA Commercial Crime Section, Competition Bureau, Ministry of Government Services formerly MCBS, Federal Trade Commission, U.S. Postal Inspection Service and the U.K. Office of Fair Trading.

It is alleged that during the years 2002 through to 2005, a telemarketing scheme was set up and perpetuated in Canada and the target victims were mainly United States citizens.

The investigation was of entities and persons carrying on business as, but not limited to, the following business names: Centurion Financial Benefits, Guardian Financial Benefits, Spectra Financial Benefits, Integra Financial Benefits, Sureway Financial Benefits, Simple Choice Financial Benefits, Oxford Financial Benefits and Prosperica Benefits.

United States consumers were contacted through direct telephone communications and/or through the Internet and were offered a guaranteed unsecured credit card with a credit limit of $2,000.00. The unsecured low interest credit cards had 0% interest on purchases and no annual fees. To complete the sale, some consumers were persuaded to divulge their bank account information so that an advance fee of approximately $249 (USD) could be withdrawn from their account.

Consumers made the payment and no credit cards were received.

It is believed that in excess of 70,000 consumers were victimized of millions of dollars (USD).


1. Eric FOLGORA 34 years-Mississauga.

2. Sean Carlos SOMMA 30 years-Toronto.

3. Antonio MARCHESE 42 years-Bolton.

4. Claire-Stephanie TAN 35 years-Toronto.

The aforementioned are charged with Fraud Over $5000.00 and are scheduled to appear in College Park Provincial Courts 444 Yonge Street Courtroom 501 on Tuesday, September 27 2005, at 10:00 am.

Further arrests are anticipated and investigations are continuing.

The Toronto Strategic Partnership assisted the Competition Bureau of Canada last week, in closing down another telemarketing room Pacific Liberty which was running a similar scam.

For further details refer to the web site of: www.competitionbureau.gc.ca
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