Complaint Review: Everest Consumer Services

Apparently this company has just recently started with their financial molestation of their victims within the last six months. Just like everybody else, I too was victimized by these monetary perverts. As I stated earlier, this is something new. I looked to see if they had past reports in 2003, and, they didn't. The reports on the fraud started in May 2004.

I was called by Jason I believe was his name, in July, and told that i would receive a $2400 credit line if i submitted a one time membership fee of $299. Being just 20 years old, it is nearly impossible to buy a new car or anything else that requires a credit history, so I figured "Why not?" I forked over my account number and other information. I was told the money would be taken out of my account in 12 days, and i should receive my credit card within 3-5 days from then.

After re-thinking this over, I contacted the manager at my bank... Bank of America... and notified her that i was suspicious of the company and their motives. She called the customer service line and spoke to someone about my situation. She said that they could TRY and put a stop payment on the "check by phone" that I used. I was told, "We aren't sure what will happen." "Maybe it will work." "Maybe it won't."

Well, I know now that I could have just closed my account and opened another one. Why wasn't I advised to do so by my bank? I decided not to wait on the bank to be "unsure." I called the CCR number that was given to me, and demanded a refund ASAP. They told me that it was approved, and it should arrive back in my account in 10 days. That was on August 9th. I called back on the 11th, and stated my situation again. I was told that it hadn't yet been approved and it should be completed in 15-30 days. I called back again on September 17th, they told me to call back on the 20th and they should have it "updated." I called back today... the 21st, you know it... call back in 7 more days.

My response was not very....shall we say "civilized." I said, "No no no no, I want Everest's phone number." The lady stated that they don't have a contact number for them. So I asked for an address, of course they didnt know that either. I hung up, and that's when I found this site.

When I saw the amount of rip offs they have done within the past six months, I smiled. Yes, I smiled. Do any of you realize the possibilities? Apparently there are sixty of us that have been victimized. Sixty people that have reported it on this site. Imagine how many more have NOT reported it. Sixty people, $299 each... thats over 17,000 dollars that they have gotten from just us.

I know one thing is for sure. I may be only 20 yrs old, but I am looking for a lawyer. Shouldnt be too hard to find one. Not with all of these documented incidents, and the opportunity to make national media headlines for the investigation, prosecution, and eventually ultimate satisfaction from all of us. Any lawyer would jump on this opportunity.

Brandon
Savannah, Georgia
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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...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.