Sureway Beneficial ripoff they scam you into believing they are helping you improve your credit and supplying you with a mastercard, but instead they take 245$ straight from your bank account. Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!

I think I applied for a mastercard online. I got something in my mailbox one day and foolishly, I thought it sounded good so I put my application in. Shortly after I kept getting this 555-555-1212 number on my cell phone. They didnt stop calling me for about a week so I got mad and picked up.

At first I was going to tell them off, but this really sweet sounding girl was on the other end, and she seemed very honest. Seemed- key word. Well, as it turns out this whole thing is a scam. The girl told me I already got approved for a mastercard and their company's main goal was to help me improve my credit, with zero % apr for 3 years, and then after a few months my credit limit would be upped from $2,000- $10,000. So I was like woah that amazing. That's really good. And she was like yes it is... she said she would need my bank account number, tracking number, social security number, address, and I even gave her my new address that I am moving to in 2 weeks.

So these people have ALL of my information. She said I would be receiving my credit card in about 30 days and that they would take out $249 on May 8th. I was put on the line with someone else and they verified each statement.

I began thinking they were very unprofessional. Both people were young and the second person I talked to was almost laughing at times. Its sick really now that I think of it and how trusting I was, and how easy it is to get away with that kind of thing.

I am wondering why these people haven't been stopped already??? You would think there would be some kind of investigation done by now. Anyways, I had a bad feeling about the information I just gave. So I looked up online Sureway Beneficial and they came up under scam artists. I called my bank immediately. (and I called the toll free number "Sureway Beneficial" gave me and it was busy twice, and some weird message came on another. I told them they sucked.

The bank gave me this information:

call the credit reporting buereaus to get a Fraud alert put on your account so every time someone tries to apply under anything thats under you name, that you will get notice of it. Because if you gave these people all of your information and social security number, there is a lot they can do with that. Look what they are getting away with now?

here are the numbers the bank gave me.

Equifax- 1 800 525 6285
TransUnion- 1 800 680 7289
another one i dont have the name 1 888 397 3742

this is a good idea to protect yourself from getting in deeper with these losers who kick you when you're down.

Rachel
Topsfield, Massachusetts
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!

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

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...the victims' advocate

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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.