Complaint Review: Platinum Benifit Group

I saw online a "healthplan" that gave you 60% off dental and all these "benifits". I INQUIRED about it and was sent a CARD in the mail-when we called to ask if it was debit or credit or what the deal was on the card they said it was a prepaid debit and it could not be activated (which wewere only INQUIRING about it anyways) and hung up.

My checking account has been thrown off and after a few months-the day after we made the callI get a insuffieciant funds return notification in the mail from my bank for 189.00. I looked in the terms and conditions and it stated that 189.00 would be taken from your account-I had been wondering how they got my account number in the first place. I thought it was over and that meant that my "membership" would be cancelled and tore up the card in the shredder.

Every month they billed my account 12.95 and 9.95-for hat I have NO idea but filed disputes on all of them and put a block on my acountl;. I dug around in my records from the bank and found that they took 139.00 out as well as trying to take 189.00 out and see all these scam reports for the compnay. I think it is for a voicemail but i do not even talk on the phone my husband called to inquire about what the card was about-not meven ME the "cardholder" because i am DEAF.Needless to say i do not need a teleophone much less voicemail I have not talked on the phone in ten years.

You can not understand these people from what i uinderstan on the telephone they talk fast hang up on you they call our house and just hang up on my children and husband non stop we stopped answering the phone. STAY AWAY from this compnay they will break yo and provide NO service I am currnetly in the process of reporting them to the poilice stationa nd the attorny Gneral I am on disabilty and they caused so many overdrafts and took GOVERMENT ISSUED money that i dare them to respond to this report claiming they are legitimate they are NOT - I can not beleive Mastercard would have a company like this if it is even in fact based form the true mastercard and not some imposter;.

Camille
Carlsbad, New Mexico
U.S.A.

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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.