Biker jerry
Hollywood,#2Author of original report
Mon, July 23, 2007
As I appreciate all of the information you have provided, I find that your response is somewhat inadequate for the following reasons. When I log into consumerbill.com or webchex.org, I seem to head into a brick wall as far as assistance. IN both webchex and consumerbill, I always ask who is the online costomer assistance person. They provide ONLY a first name and refuse to identify themselves by either last name or operator ID #, saying they cannot give a last name and have NO operator ID#. Upon describing my specific incident, both sites stand by EquityFirsSavings, claiming that the term and conditions were clear and I failed to comply as indicated within the 3 day time period, so they are unable to assist me. I have explained that I DO NOT have access to a FAX and am unable to send my cancellation and refund information via FAX. In regards to consumerbill and webchex, am I entitled to have the identity of the person I am in contact with? Of course legally entitled to know that information.
Biker jerry
Hollywood,#3Author of original report
Mon, July 23, 2007
As I appreciate all of the information you have provided, I find that your response is somewhat inadequate for the following reasons. When I log into consumerbill.com or webchex.org, I seem to head into a brick wall as far as assistance. IN both webchex and consumerbill, I always ask who is the online costomer assistance person. They provide ONLY a first name and refuse to identify themselves by either last name or operator ID #, saying they cannot give a last name and have NO operator ID#. Upon describing my specific incident, both sites stand by EquityFirsSavings, claiming that the term and conditions were clear and I failed to comply as indicated within the 3 day time period, so they are unable to assist me. I have explained that I DO NOT have access to a FAX and am unable to send my cancellation and refund information via FAX. In regards to consumerbill and webchex, am I entitled to have the identity of the person I am in contact with? Of course legally entitled to know that information.
Biker jerry
Hollywood,#4Author of original report
Mon, July 23, 2007
As I appreciate all of the information you have provided, I find that your response is somewhat inadequate for the following reasons. When I log into consumerbill.com or webchex.org, I seem to head into a brick wall as far as assistance. IN both webchex and consumerbill, I always ask who is the online costomer assistance person. They provide ONLY a first name and refuse to identify themselves by either last name or operator ID #, saying they cannot give a last name and have NO operator ID#. Upon describing my specific incident, both sites stand by EquityFirsSavings, claiming that the term and conditions were clear and I failed to comply as indicated within the 3 day time period, so they are unable to assist me. I have explained that I DO NOT have access to a FAX and am unable to send my cancellation and refund information via FAX. In regards to consumerbill and webchex, am I entitled to have the identity of the person I am in contact with? Of course legally entitled to know that information.
Biker jerry
Hollywood,#5Author of original report
Sun, July 22, 2007
YOUR PROMPT RESPONSE IS VERY MUCH APPRECIATED. Thank you and the information you sent will be dealt with in the manner you suggested. Please bear in mind that I am NOT computer literate at all and have a great deal of difficulties when it comes to details and/or directions to many functions on the computer. One of the suggestions, is that I file dispute forms. In that suggestion it is indicated I claim that I DID NOT personally authorize the application submissions. The question is, if I probably did, but was not aware of what I was doing, will that be dealt with as fraud on my part? EquityFirstSavings according to consumerbill.com and webchex.org, says they are protected legally due to their guidelins addressed in their terms and conditions, which indicate that once applied for, a client MUST cancel within three days, which seems to be a very involved process in itself. They say it must be done ONLY by FAX only by the fax number of webchex.org. The question is. If those terms and conditions are legal binding, does EquityFirstSavings, have ANY obligation to inform a prospective client that their application has been accept and/or approved or denied. It appears that once you submit an application for a loan. You are NOT advised, but maybe at another day are sent another application for an additional loan. That seems to be misleading in not being aware of the status of the loan you have already applied for. In my case, I received an application on 5 June, 2007. Hit submit, hear absolutely nothing from them, but received another application on 6 June, 2007 and heard nothing from them again until approximately 12 June, 2007, hear nothing from them again. Upon checking my bank account approximately 15 or 16 June, I found that an total amount of $249.80 had been debited from my account. That certainly exceeded the 3 days limit to cancel, but indicated to me that although pass the 3 days time limit to cancel, it should have NOT been too late, as the loan was still pending and in the process stage. When attempt to contact consumerbill.com and webchex.org, you cannot know who you are talking with online, because they will not identify themselves by last name and/or operator ID. IN your professional oppinion, would that in itself constitue unethical business practices? Does a person have ANY leagal right to know who they are talking with and how might they obtain that information if the online operator refuses to provide that? Do I have a legitimate case? And what is the suggestion to proceed? Is there ANY possibility someone from your office could contact me by phone, as I find that a much better method of communication? I can be reached byphone at 323 243-8132, morning are always best for me. Should I go ahead and file the bank dispute without worring about legalities, indicating I did not authorize those transactions?
Biker jerry
Hollywood,#6Author of original report
Sat, July 21, 2007
Thank you very much for the information you have provide me. I will attempt to resolve my issue in the manner you have suggested. I am however quite curious to know if you have received similar complaints about this company and it's practices. It is very important to have that information, as a request such as mine can often hit a dead in, if I seem to be the only person who has made such allegations. Will you please inform me if such information is available. Due to the nature of your business, it might also be an advantage if your service makes attempts to pursue the mentioned parties in the complaint and especially if your company directly attempts to find out how difficult it is to deal with this bank trying to use the consumerbill.com and the webchex.org customer assistance sites. Please try to provide me with my requested information.
Jeana
Henderson,#7UPDATE Employee
Fri, July 20, 2007
Webchex International is the administrator and handles all customer service for equityfirstsavings.com and starterloansdirect.com. Webchex International does not take fraud lightly and will more than gladly assist in any investigation involving fraudulent transactions and identity theft. If you feel you have been a victim of identity theft or that the account created in your name is fraudulent please visit our Fraud Prevention Center at www.consumerbill.com. At this site you will find forms that may be downloaded and faxed to our fraud center at 800 - 633 -7394. If you would like to discuss this with a customer service representative LiveChat is also available at consumerbill.com. All customer service is handled online for record keeping purposes.