Complaint Review: CIT Financial Prime Innovations

We were contacted by Devon Alli a representative for Prime Innovations, LLC. The company was located in GA. He came and gave us the scam on the credit card\check machines and we were promised multiple items. We were told the charlotte representative had been fired so he was in our area filling in(from GA). After his whole speil, I told my partner I was not signing anything. He filled out the paper workbecause he was told he could cancel the "service". We were told we would get a check and a credit card machine, merchant services, and arch(?)drafts every month for $75.00.

Before he was to return to bring the machines, I contacted him 3-4 times to find out his cellual was not answering. He droped the machines off and the nightmare started. Within 3 weeks our bank account was depleated by $137.60 for varios charges. After having the bank serch the charges, I found we were being debited by a company from Texas called Retiever(Who were the only decent ones in this mess) and CIT Financial.

The funny thing is that we never gave anyone our bank account #. Mr. Devon Alli Stole It!. He said he needed it to set up our machine when infact he gave it to a second and thired party to use as the wished. I got all the charges back from Retreiver. They were po'ed. They did not want someone fraudulently representing their company. They tried numeral times to contact Mr. Alli and make him pick up the machines. They had no luck either. Before 2 weeks, Prime Innovations Closed Down. There was not method of contacting them - all phones were shut off!!

I then looked for a contact for CIT. I told them they could not take money from our account because we never gave them a canceled check. They refused to send me a copy of a check I had supposidly sent them. I told them the disdurbing process with Devon Alli, Prime Innovations. They refused to look him up and said they have no control over people who sell their leases. How in the world is this possible. If you are paying someone for a job aren't you responsible for them as some kind of employment?

Well, in the end I was yelled at by several of CIT customer service agent and never given any answers except you signed a lease. I am looking for a class action suite against someone - CIT, Prime Innovations. In 2005 I did see something to this effect on Ripoff Repot. How can a company lease a machine for 4 time the market value and the you only have the option to buy it if you pay 10% of lease terms and amonth lease amount which they call "fair market value". Also how cant they steal your checking account info. Also, I saw a rebuttal from a CIT agent. She said someone always calls to verify the lease and terms. No one ever called us and I had to search to find out who they were after they showed up on my checking account. What a mess!!!

Kma
Charlotte, North Carolina
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.