Complaint Review: CENTURION FINANCIAL

A REP CALLED ME AND STATED THAT I HAVE BEEN APPROVED FOR A CREDIT CARD FOR $2,000 ALL I NEED TO DO IS PAY $249 PROCESSING FEE. A FEW DAYS LATER I RESEARCHED THE INTERNET FOR THIS COMPANY AND THE POP-UPS WERE THE NEW YORK BETTER BUSINESS BUREAU AND THE FTC STATING THIS COMPANY IS MISSPRESENTINF ITSELF AS A CREDIT COMPANY, BUT IN FACT THIS COMPANY SEARCH FOR A CREDIT CARD COMPANY FOR THEIR CUSTOMERS. THEY ARE NOT A CREDIT CARD COMPANY LOOK FOR A BANK, CREDIT UNION, OR ANY COMPANY THAT WILL GIVE YOU A CREDIT CARD.

I CALLED THE COMPANY BACK THREE TIMES AND SPOKE TO AN AGENT AGENT AND TOLD THEM TO CANCEL. THEY DID NOT CANCEL. THE FIRST TIME THEY TRIED TO RETRIEVE THE FUNDS THROUGH MY BANK ACCOUNT ONLINE WAS ON 11/1/2004. I PUT A STOP PAYMENT THROUGH MY BANK. I CALLED THEM AGAIN AND TOLD THEM I CANCELLED AND DO NOT WANT THE CARD. IN THE MEANTIME, I FILLED A COMPLAINT THROUGH THE NEW YORK BETTER BUSINESS BUREAU AND THE FEDERAL TRADE COMMISSION.

MATTER FACT I FILLED AT LEAST TWO TIMES TO MAKE SURE THEY RECEIVED MY COMPLAINT. I HEAR FROM THE BBB, BUT THEY TOLD ME THAT THE COMPANY DID NOT RESPOND TO THEIR REQUEST. THE FTC HAS SENT ME AN E-MAIL AND THAT THEY ARE INVESTIGATING THE CASE. I HAVE ALSO FILED A CASE THROUGH THE NEW YOR STATE ATTORNEY'S OFFICE, THE CASE PENDING.

AS OF 12/13/04 CENTURION HAS HIRED GLOBAL PAY PROCESSING COMPANY TO TRY AND RETRIEVE THE $249.00 FROM MY CHECKING ACCOUNT. I HAVE FILED ANOTHER STOP PAYMENT AND AN AFFIDAVIT THROUGH MY BANK TO FILE CHARGES AND DO ANYTHING THEY CAN TO INVESTIGATE CENTURION FINANCIALS. CENTURION HAS DECIDED TO USE VARIOUS BILL COLLECTING COMPANIES TO RETRIEVE THE FUNDS. THE GLOBAL COMPANY IS FROM TAMPA, FLORIDA AND THE CENTURION FINACIAL IS LOCATED IN NEW YORK.

IT IS OBVIOUS THEY ARE TRYING TO GET FUNDS THROUGH LIES AND DECIET, AND CLAIM THE CONSUMER OWES THEM MONEY, WHICH IS TOTALLY A LIE. I HAVE HOT RECEIVED ANYTHING IN THE MAIL, THEY ARE JUST TRYING TO RIPOFF AND GOING INTO THEIR AUTOMATIC ACCOUNTS WITHOUT PERMISSION.

MY CHECKING ACCOUNT WAS OVERDRAWN $100 IN NOVEMBER, NOW IN DECEMBER INSUFFICIENT FEES OF $25. I AM CONSULTING AN ATTORNEY IN THE DC METROPOLITAN AREA TO ASSIST WITH THIS PROBLWM. IN ADDITION, I SHALL FORWARD THIS INFORMATION THE UNITED STATES CONGRESS UNDER CONSUMER AFFAIRS AND TO TELEVISION STATIONS WITH CONSUMER REPORTS.

PLEASE BE AWARE THEY ARE FRAUDULENT, WHICH THEY WILL USE ANY MEANS POSSIBLE TO COLLECT MONEY THAT IS NOT THEIRS TO COLLECT. THEY ARE NOW HIRING COLLECTION AGENCIES AND THEY MAY HAVE CHANGED THEIR NAMES SEVERAL TIMES.

CONSUMERS BE WARE!

Cassie
washington, District of Columbia
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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...the victims' advocate

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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.