EquityFirstSavings - StarterLoansDirect FRAUD GRAND THEFT ripoff nationwide *EDitor's Suggestions on how to get your money back into your bank account!
Upon loging into webchex, I was advised I had three (3) cancelled accounts and one (1) pending account with EquityFirstSavings.
In the past June, 2007, I noticed debits from my bank account. However, my bank was unable to provide information as to the source of the debits.
Having made all efforts I was only provided with phone numbers, all with voice activated messages and NONE with capabilities of speaking to an acctual person.
13 July, I contacted webchex.org, that indicated I had an existing pending open account. I know without a doubt that I personally DID NOT apply for myself.
Both consumerbill and webchex appear to be connected with EquityFirstSavings.
In an attempt to cancell ANY AND ALL accounts, it seems to be a run around process, without the ability to identify the people you are talking with.
The conclusion, was that according to their terms and conditions, I did not cancel in what they consider the period of time indicated in those terms and/or conditions, which implies that they intend to keep $249.80 debited from my account.
You should go into consumerbill.com and webchex.org, in an attempt to obtain information in regards to clients who cancel accounts that exceed the due dates as in the terms and conditions. I personally feel that $249.80, would constitue Grand Theft, Theft by fraud and/or deception. Internet fraud, unethical business practices and possibly a number of other offenses.
Perhaps, Ripoff can assist me in recovering the debits from my account. You may contact me and advise me to your findings by email or provide some other advice to assist me in recovery and or prosecution.
EquityFirstSaving, by all means should be investigated for their practices.
Please let me know.
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
Biker jerry
Hollywood, California
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.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...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.
6 Updates & Rebuttals
Biker jerry
Hollywood,California,
U.S.A.
EquityFirstSavings and StarterLoans
#7Author of original report
Mon, July 23, 2007
As I appreciate all of the information you have provided, I find that your response is somewhat inadequate for the following reasons.
When I log into consumerbill.com or webchex.org, I seem to head into a brick wall as far as assistance. IN both webchex and consumerbill, I always ask who is the online costomer assistance person. They provide ONLY a first name and refuse to identify themselves by either last name or operator ID #, saying they cannot give a last name and have NO operator ID#.
Upon describing my specific incident, both sites stand by EquityFirsSavings, claiming that the term and conditions were clear and I failed to comply as indicated within the 3 day time period, so they are unable to assist me.
I have explained that I DO NOT have access to a FAX and am unable to send my cancellation and refund information via FAX.
In regards to consumerbill and webchex, am I entitled to have the identity of the person I am in contact with? Of course legally entitled to know that information.
Biker jerry
Hollywood,California,
U.S.A.
EquityFirstSavings and StarterLoans
#7Author of original report
Mon, July 23, 2007
As I appreciate all of the information you have provided, I find that your response is somewhat inadequate for the following reasons.
When I log into consumerbill.com or webchex.org, I seem to head into a brick wall as far as assistance. IN both webchex and consumerbill, I always ask who is the online costomer assistance person. They provide ONLY a first name and refuse to identify themselves by either last name or operator ID #, saying they cannot give a last name and have NO operator ID#.
Upon describing my specific incident, both sites stand by EquityFirsSavings, claiming that the term and conditions were clear and I failed to comply as indicated within the 3 day time period, so they are unable to assist me.
I have explained that I DO NOT have access to a FAX and am unable to send my cancellation and refund information via FAX.
In regards to consumerbill and webchex, am I entitled to have the identity of the person I am in contact with? Of course legally entitled to know that information.
Biker jerry
Hollywood,California,
U.S.A.
EquityFirstSavings and StarterLoans
#7Author of original report
Mon, July 23, 2007
As I appreciate all of the information you have provided, I find that your response is somewhat inadequate for the following reasons.
When I log into consumerbill.com or webchex.org, I seem to head into a brick wall as far as assistance. IN both webchex and consumerbill, I always ask who is the online costomer assistance person. They provide ONLY a first name and refuse to identify themselves by either last name or operator ID #, saying they cannot give a last name and have NO operator ID#.
Upon describing my specific incident, both sites stand by EquityFirsSavings, claiming that the term and conditions were clear and I failed to comply as indicated within the 3 day time period, so they are unable to assist me.
I have explained that I DO NOT have access to a FAX and am unable to send my cancellation and refund information via FAX.
In regards to consumerbill and webchex, am I entitled to have the identity of the person I am in contact with? Of course legally entitled to know that information.
Biker jerry
Hollywood,California,
U.S.A.
UPDATED INFORMATION for EQUITYFIRST SAVINGS
#7Author of original report
Sun, July 22, 2007
YOUR PROMPT RESPONSE IS VERY MUCH APPRECIATED. Thank you and the information you sent will be dealt with in the manner you suggested.
Please bear in mind that I am NOT computer literate at all and have a great deal of difficulties when it comes to details and/or directions to many functions on the computer.
One of the suggestions, is that I file dispute forms. In that suggestion it is indicated I claim that I DID NOT personally authorize the application submissions. The question is, if I probably did, but was not aware of what I was doing, will that be dealt with as fraud on my part?
EquityFirstSavings according to consumerbill.com and webchex.org, says they are protected legally due to their guidelins addressed in their terms and conditions, which indicate that once applied for, a client MUST cancel within three days, which seems to be a very involved process in itself. They say it must be done ONLY by FAX only by the fax number of webchex.org.
The question is. If those terms and conditions are legal binding, does EquityFirstSavings, have ANY obligation to inform a prospective client that their application has been accept and/or approved or denied.
It appears that once you submit an application for a loan. You are NOT advised, but maybe at another day are sent another application for an additional loan. That seems to be misleading in not being aware of the status of the loan you have already applied for.
In my case, I received an application on 5 June, 2007. Hit submit, hear absolutely nothing from them, but received another application on 6 June, 2007 and heard nothing from them again until approximately 12 June, 2007, hear nothing from them again.
Upon checking my bank account approximately 15 or 16 June, I found that an total amount of $249.80 had been debited from my account. That certainly exceeded the 3 days limit to cancel, but indicated to me that although pass the 3 days time limit to cancel, it should have NOT been too late, as the loan was still pending and in the process stage.
When attempt to contact consumerbill.com and webchex.org, you cannot know who you are talking with online, because they will not identify themselves by last name and/or operator ID.
IN your professional oppinion, would that in itself constitue unethical business practices? Does a person have ANY leagal right to know who they are talking with and how might they obtain that information if the online operator refuses to provide that?
Do I have a legitimate case? And what is the suggestion to proceed?
Is there ANY possibility someone from your office could contact me by phone, as I find that a much better method of communication? I can be reached byphone at 323 243-8132, morning are always best for me.
Should I go ahead and file the bank dispute without worring about legalities, indicating I did not authorize those transactions?
Biker jerry
Hollywood,California,
U.S.A.
EquityFirstSavings
#7Author of original report
Sat, July 21, 2007
Thank you very much for the information you have provide me. I will attempt to resolve my issue in the manner you have suggested. I am however quite curious to know if you have received similar complaints about this company and it's practices.
It is very important to have that information, as a request such as mine can often hit a dead in, if I seem to be the only person who has made such allegations.
Will you please inform me if such information is available.
Due to the nature of your business, it might also be an advantage if your service makes attempts to pursue the mentioned parties in the complaint and especially if your company directly attempts to find out how difficult it is to deal with this bank trying to use the consumerbill.com and the webchex.org customer assistance sites.
Please try to provide me with my requested information.
Jeana
Henderson,Nevada,
U.S.A.
Response to Report: #260675
#7UPDATE Employee
Fri, July 20, 2007
Webchex International is the administrator and handles all customer service for equityfirstsavings.com and starterloansdirect.com. Webchex International does not take fraud lightly and will more than gladly assist in any investigation involving fraudulent transactions and identity theft. If you feel you have been a victim of identity theft or that the account created in your name is fraudulent please visit our Fraud Prevention Center at www.consumerbill.com. At this site you will find forms that may be downloaded and faxed to our fraud center at 800 - 633 -7394. If you would like to discuss this with a customer service representative LiveChat is also available at consumerbill.com. All customer service is handled online for record keeping purposes.