- Report: #125076
Complaint Review: Consumer - Encore Financial Resource - Multi Media Sources - St. George Utah
-
Author Not Confirmed
Why?
Consumer - Encore Financial Resource - Multi Media Sources
216 St. George Blvd. Or For Refund Dept. 473 S. River Rd #1 St. George, 84770 or 90 for ref Utah, U.S.A.
Phone:
866-416-0639
Web:
N/A
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Business Rating:
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Consumer Aka Encore Financial Resource And Multi-Media Sources CROOKS! Rip-off! St. George Utah *EDitor's Suggestions on how to get your money back into your bank account!
10/6 Got call from Financial Resources, and offer sounded good, as I thought I needed help to restablish credit. Advised them to hold request until later, as couldn't afford deduct until later. "O.K."! was response, and told to call on Oct. 4th to verify. But already knew too late, as had overdraft the very next day. (Also, should have checked for "ripoffs", but was unaware of same.)
Then the real problems started... for over 2 months I could not "sign in" to their site, and know now due to using address vs. sidebar line. This however, took more than 20 phone calls, and I might add, to different numbers each time. The 800 # on their registration page does not work. Finally got someome who then gave me another number and so on, and so on, and so on.
To add insult to injury, got signed on to their sight, but could not get "registered" as rejected my phone number????!!! However, "they" had my number and everything else, and I had to speak with about as many agents, each with a different line.
Finally, after checking further, and seeing a newspaper article in St. Petersburg paper re: same company, realized that I indeed did not need a 3rd party to get credit cards. If I could pay them $199.95 I could pay a "secured credit card company" the same, and have a card to boot. Decided I was "fed up" with their runaround, and when called this time was advised by gentleman that he could "reset" my phone #. Told him not to bother, as was cancelling. It was downhill even further from there! Every agent gave me a different line, up until Nov. when was advised that they had received my letter with copy of my cancelled check to Consumer Financial, and that the "research" department was working on situation.
Again, more phone calls, until Dec. 30th, only to find out no refund being issued. They would have me "fill out" info for "them" to try to get the credit card(s), since I couldn't get "signed on". "Only after 3 rejections from the credit card companies they do business with, would they consider a refund." By this time, I almost forgot that I'm am a "lady" and told them I'd try myself, and for them to reset my phone # so that I might proceed. They informed me that they would send me forms anyway. I have to "cool down" before I even think about getting hooked up with them over the internet again, so stay tuned, and I'll let you know what happens.
Fay
Elgin, Illinois
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.
Then the real problems started... for over 2 months I could not "sign in" to their site, and know now due to using address vs. sidebar line. This however, took more than 20 phone calls, and I might add, to different numbers each time. The 800 # on their registration page does not work. Finally got someome who then gave me another number and so on, and so on, and so on.
To add insult to injury, got signed on to their sight, but could not get "registered" as rejected my phone number????!!! However, "they" had my number and everything else, and I had to speak with about as many agents, each with a different line.
Finally, after checking further, and seeing a newspaper article in St. Petersburg paper re: same company, realized that I indeed did not need a 3rd party to get credit cards. If I could pay them $199.95 I could pay a "secured credit card company" the same, and have a card to boot. Decided I was "fed up" with their runaround, and when called this time was advised by gentleman that he could "reset" my phone #. Told him not to bother, as was cancelling. It was downhill even further from there! Every agent gave me a different line, up until Nov. when was advised that they had received my letter with copy of my cancelled check to Consumer Financial, and that the "research" department was working on situation.
Again, more phone calls, until Dec. 30th, only to find out no refund being issued. They would have me "fill out" info for "them" to try to get the credit card(s), since I couldn't get "signed on". "Only after 3 rejections from the credit card companies they do business with, would they consider a refund." By this time, I almost forgot that I'm am a "lady" and told them I'd try myself, and for them to reset my phone # so that I might proceed. They informed me that they would send me forms anyway. I have to "cool down" before I even think about getting hooked up with them over the internet again, so stay tuned, and I'll let you know what happens.
Fay
Elgin, Illinois
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.
