- Report: #124196
Complaint Review: Centurion Finance - Champlain New York
-
Author Not Confirmed
Why?
Centurion Finance
33 Elm St. Champlain, NY 12919 Champlain, 12919 New York, U.S.A.
Phone:
866-784-0264
Web:
N/A
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Business Rating:
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Tell us has your experience with this business or person been good?
CENTURION FINANCE $249 dollar ripoff, get an $2000 unsecured mastercard my !@#. Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!
Wow, Let me tell you my story. While my wife and I were eating dinner we recieved a phone call from a very persistant young woman saying if we give them $249.00 we too would get the $2000.00 unsecured mastercard and that we would "WITHOUT A DOUBT HAVE IT BEFORE CHRISTMAS" (exact quote). Being the person I am I was about to hang up but thought "you know what? 2 grand sure would be usefull around christmas time". So like a fool I fell for it.
On Nov. 19, 2004 the $249.00 was to be withdrawn from my account. But 3 days before I used my check card to buy a pack of cigaretts and 20 dollars in gas which put my account at $247.83. Lucky for me. I called CENTURION FINANCE when I realizied I owed the bank a fee for not having the full $249.00. Unlike the rest of you I actually got through to a live person. When I asked if they could take the money out on a different date the woman said yes that would not be a problem. But when I asked if I would still receive the card before christmas she told me that I would not have gotten the card by christmas anyway.
I was furious and told the woman that I would like to speak to her supervisor, at which time she told that she did not have a supervisor and that there was no one for me to talk to but her and also there was nothing that could be done about it. Then she hung up on me. So I called back and got someone on the line again. I told them to send me directly to a boss of some kind. When the phone was answered I told the woman that I was hung up on and that I wanted to know why I was lied to about receiving the card before christmas. She told me that I was not told that and that I was laying to her about it. So I asked to speak with her boss and the call was ended.
That was the last time I spoke to anyone there and that was 1 month ago. I have tried countless times to call but all it does is go directly to an answering service.
I was lucky. Thanks to this web site I called my bank and told them that this was a fraud and to block them from my account and it has been done, thanks guys. Something should be done so does'nt happen to anyone else.
SCREW THOSE PEOPLE!
Brennan
Atlanta, 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
[email protected]
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.
On Nov. 19, 2004 the $249.00 was to be withdrawn from my account. But 3 days before I used my check card to buy a pack of cigaretts and 20 dollars in gas which put my account at $247.83. Lucky for me. I called CENTURION FINANCE when I realizied I owed the bank a fee for not having the full $249.00. Unlike the rest of you I actually got through to a live person. When I asked if they could take the money out on a different date the woman said yes that would not be a problem. But when I asked if I would still receive the card before christmas she told me that I would not have gotten the card by christmas anyway.
I was furious and told the woman that I would like to speak to her supervisor, at which time she told that she did not have a supervisor and that there was no one for me to talk to but her and also there was nothing that could be done about it. Then she hung up on me. So I called back and got someone on the line again. I told them to send me directly to a boss of some kind. When the phone was answered I told the woman that I was hung up on and that I wanted to know why I was lied to about receiving the card before christmas. She told me that I was not told that and that I was laying to her about it. So I asked to speak with her boss and the call was ended.
That was the last time I spoke to anyone there and that was 1 month ago. I have tried countless times to call but all it does is go directly to an answering service.
I was lucky. Thanks to this web site I called my bank and told them that this was a fraud and to block them from my account and it has been done, thanks guys. Something should be done so does'nt happen to anyone else.
SCREW THOSE PEOPLE!
Brennan
Atlanta, 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
[email protected]
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.
