Complaint Review: Credit Plus Rewards - Internet

I applied for a payroll advance on the internet. Afew days later I recieved a phone call from a company called credit rewards program.

I was offered a 500 dollar cash advance and also a credit card for online purchaces. I was also told this 500 dollars would be in my account with in 24 hours and there was a one time membership fee of 129.95. I said I did not need the credit card but did need the money. They told me if I didnt want the card then i couldnt have the cash adavnce, they were a package deal.

So I then said well okay but I do not have the money in my account for the fee right now. The guy told me no problem they can post date it to the 21st of march. So when the cash advance is in my account on the 20th I would just have to set aside 129.95 of the 500 dollars to cover the fee. Well I thought okay then that gives me about 400 then.

Well that nexted day I went to the bank to get some of the money because I needed to pay a few things they informed me I was 155 dollars in the negative because I was also charged with a 25 dollar fee from my bank that is not refundable. I asked the bank how could I be in negative I should have 500 dolars that was deposited today. The bank looked for me and showed me that credit plus rewards took out 129.95 and never gave the cash advance.

I came home and called these people and was on hold for over 30 min. then I was cut off. So I called back again and did the same thing. Well I called again and while I was on hold I wrote them a nasty email well imagine that I got through and someone answered the phone.

When the gentlemen answered I told him what happened and everything the guy told me including promising the 500 dollars and postdating the fee. This guy told me no that is not the way the cash advanced was not garenteed and was not atomatically deposited and they were not suppose to post date anything.

Well then I got mad and started to get loud with this guy because I was told false information and was lied to. I stated that I wanted my money back and I wanted this guy reported. This guy I was talking to said he could not refund my money now. He would cancel the membership and send me a letter I would get in a week and for me to send it back for a refund. Well I never got a letter.

And now my account was debited another 129.95 just a few days ago. I told my bank I did not authrize this and they told me they couldnt do anything at all. I stood there and agrued with them about they are suppose to help protect my account and they are not suppose to just let anyone take my money expecially when i say I did not authrize this. They still looked at me and said they could not do anything about it.

So now I am suffering and back in the negatives because of these people and when I call now I am conected to a rio resources and they say they cancelled it but I will soon find out huh and my money still not refundable including my bank fees.

Do not agree to this this is fraud and it just aint right. I am stumped right now and don't know what to do about getting my money back.

Grace

cattaraugus, New York
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!

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.