Complaint Review: USA Benefits

Today I opened NSF alerts in the mail from my Credit union! USA benefits was the name of the company that took this money out of my account without my permission or authorization. WE recenly bought a new home in Janurary and it is so airtight because there is plastic in the walls so the house is not breathing right and toxins and moisture is being trapped in the house and is called "sick home syndrome". My oldest son is severely asthmatic and was sick since Februrary with stomach and vomiting issues and he has been in severe asthma excaserbation for this condition in the house is not good for anyone with allergies or asthma or young children.

My 3 yr old was also ill but not as bad as my asthmatic son that has had to stay in another home for a week now because of this problem he cannot come here until it is fixed. He is on 10 meds for his asthma and has had 3 courses oral steroids which is very bad. But needless to say I am a student with very limited income and my husband has been out of work for the first time in 15yrs. So I started researching online ways to take out a loan and filled out applications probably around 17 of them. Because all I want is for my son to come home and have this whole nightmare be over with.. I thought that usa benefits looked like the perfect solution to my problem.. I put all of my personal info and checking numbers and I feel very angry and just want my money back and NSF fees taken off.

I am at this 318.99 in the whole due to different companies online that have taken money out without my permission. There is one for 49.95, 99.95, 19.63, 34.19, plus a 25$ NSF fee for each and I know that there is more than this because my mail is in 3 different boxes right now because we are going through the tearing down of sheetrock in my newly renovated home with sheetrock less than a yr old.. its a shame to have to rip this all out when it was all just done. I thought that a company with a name with USA in it would be realiable and help with reniting my family and help fix this major health issue in my home but it has just ruined my finanaces and I cant buy anything to repair or buy the supplies or a air quality unit for my home. I called the 24hr hotline to cancel my card or report it stolen.

There was no way that this company was authorized to this nore was it the company that it claimed to be. I have researched the name and many people have been scammed. They ask for the personal info and checking info to deposit money in the account from the loan.. well I never recieved a deposit and there was nothing stating that there would be money taken out my account for anything. I know that the usa benefits phone number always says call back during business hours and the email address will jsut be kicked back. I hope that my bank will work with me and help reduce the fees because of a internet scam.  Because of these NSF I cant get a legit loan because these have all gone on my credit!

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 RipoffReport.com Author of www.ripoffrevenge.com

Rip-off Report PO Box 310, Tempe, Arizona 85280