Report: #98550

Complaint Review: Premium Advantage - World Benefits - Fort Lee New Jersey

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  • Reported By: Austin Texas
  • Author Not Confirmed What's this?
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  • Premium Advantage - World Benefits 177 Main St. Ste 403 Fort Lee, New Jersey U.S.A.

Premium Advantage, World Benefits rip-off! Customer service hung up on me twice. Misleading! Fort Lee New Jersey *EDitor's suggestion on how to get your money back for fraudulent charges to your bank account!

*Consumer Comment: Wow they are still active?

*Author of original report: Under investigation by the federal Trade Commission

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Stay away from these people. In my initial phone call I was assured that a $ 299.95 was a security deposit and would be refunded into my account 3 months from that day. I then called back a week later and was told that the 299.95 was a fee and would not be returned to my account.

They explained the fee was for a medical package which I know I would not have paid for concidering I have full medical insurance. I have yet to receive anything in the mail. When asked I was told I should have it withen 14 days which makes it impossible to canceI 14 day trials which I was assured was hung up on twice by customer service representatives. I am going to file with the New Jersey Attorney Generals Office. These people need to be put out of business.

Austin, Texas

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 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!


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.


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!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
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WE are Civil and Human Rights Activists

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...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.

This report was posted on Ripoff Report on 07/12/2004 11:30 AM and is a permanent record located here: https://www.ripoffreport.com/reports/premium-advantage-world-benefits/fort-lee-new-jersey-07624/premium-advantage-world-benefits-rip-off-customer-service-hung-up-on-me-twice-misleadin-98550. 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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#2 Consumer Comment

Wow they are still active?

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

POSTED: Tuesday, July 24, 2007

I can't believe Premium Advantage is still around scamming people. I was ripped off by them a few years back. Never gotten my money back.

Here's an advice to anyone who gotten ripoff. Go to your bank and ask why you were debited by this company. Let the bank know you've never authorize them to take money out of your account and that you have never spoken with them or heard of their company and that you have no idea who they are.

Don't tell your bank that you were ripped off by them when they called you. Play dumb and act like someone just debited your account for no reason and you have no idea who it was. So it will seem like it's the banks fault for letting that happen. Those types of charges are fraudulent. If the bank does not give you a refund, then close your account with them. Don't bank with any bank who's not going to help you when they allow something like that to happen.

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#1 Author of original report

Under investigation by the federal Trade Commission

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

POSTED: Monday, July 12, 2004

I contacted the NJ BBB and they forwarded me to the Bergen County BBB. When I spoke with them, they said that there is an investigation into the practices of Premium advantage - headed by the Federal Trade Commission - the gave me a name of the man heading the investigation - I suggest you contact him - Michael Mora
Federal Trade Commission - Consumer Protection
600 Pennsylvania Ave.
Washington D.C. 20580
Attn. Michael Mora

Good Luck - this really stinks - these guys need to be held accountable.

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