Complaint Review: United Benefit Advantage And ID Sentinel Alert

on 08/03/2009 i was looking at my debt card account on line and i realized that i did not have any money i was in the -11.53 so i looked up the history transactions and two companys have taking money off my card.

so i called these companys and they both told me that the money was non-refundable.so i asked the first company,"united benefit advantage".she told me that i purchased a gas card and some other coupons,to be quite honest with you id never took the time to fill anything out on line when it comes to that.because i dont have money to through away.

the second company " id sentinel alert" i did not need no identity thief nor montiring or any thing like that.i dont know how these companies got my info. they also told me that they sent me a booklet and the other told me that i had to print out my booklet,well number one i have no printer and i told the second company but that did not matter,i still got screwed out of my money this is B.S...

now i have get a different debt card,i hate when these companies get away with taking peoples money without letting the people know, like " A CALL" to verify if the person wanted the purchase they suppose to have gotten on line..

ill tell you one thing i did not want any of those two purchases.the first company took $39.95 the second company $19.99..

                                        please help me .

(((ROR redacted)))

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<b><font size=+1>HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: </font></b>

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!  

<b><font size=+1>DO NOT TAKE NO FOR AN ANSWER! </font></b>

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.

<b><font size=+1>CHARGES TO YOUR CREDIT CARD</font></b>

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 .. <i>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. </i>

 And good luck Let us know how you do!

ED Magedson Founder

RipoffReport.com

Author of www.ripoffrevenge.com

Rip-off Report