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Central Support And Savings Aka Central Support And Systems rip-off! Fraud uncooperative dishonest lies! Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!
I was contacted by this company in early October, 2004. I spoke with a "Tim Carter" (agent #3801). He promised me an unsecured Visa card with a $2,000 limit. He also said that every 6 months, if my payment history was good, I could apply to have the limit raised. All I had to do was pay a $299 "application and processing fee".
This offer was very appealing to me, as I have poor credit. I went for the offer. I was asked to give my personal information (SSN, bank account info, etc). When he asked for my bank account information, I was a little skeptical, but I figured that since they had my name and address already, they MUST be ligitimate.
After giving all my information, I was promised that I would receive my card within 5 days via FedEx. 15 days later, I contacted them, and was told the card was shipped out via certified mail, and I should receive it by the end of the week. The end of the week passed by, and still no card.
I called back, and was told that they would ship out another card right away, and I should receive it by the end of the week (sound farmiliar?). 2 weeks went by, still no card.
After looking at this site, I came to the conclusion that I would probably NEVER receive my card. I decided to try to get my money back. My bank won't help, since I authorized the $299 charge. So I am trying to get it back from Central.
I have just gotten off the phone with a "Chris Wilson" who tried to tell me he couldn't process a refund request until I received the packet, and he would send another one. I told him no, I didn't want it anymore, and I wanted my money back. He said he couldn't do that without me receiving the packet. I KNEW that if I received it, they could say that they provided a service.
I asked for a supervisor and was informed that there isn't one, but they have managers (talk about splitting hairs). I asked for the manager, Mr. Wilson would not transfer me. After going back and forth for a while, Mr. Wilson put me on hold while he checked with his supervisor (now where the heck did he come from?). After Mr. Wilson came back on, he said that they would investigate the issue and that I should call back in 5 business days.
I will let everyone know what happens.
P.S. - I think the point that Mr. Wilson broke was when I told him the package contained an application for a secured card (based on information from here), and he asked how I knew. I called him out on it, noting he didn't say that it wasn't true, just how I knew if I hadn't received the package.
Stephen
Terre Haute, Indiana
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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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.