- Report: #109258
Complaint Review: Family First - Champlain New York
-
Author Not Confirmed
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Family First
P O Box 3374 Champlain, New York, U.S.A.
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Family First ripoff for the amount of $349. Now I can't even get thru to them because the phone is disconnected. Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!
On May 4th Mr. Ron Anderson called me and tried to get me to purchase the credit repair kit. I told him that I really could not afford $349.95 but he insisted that I could put off one of my bills and get this kit then when
I got my credit cards that I could pay the bill with them.
He did assure me that I would be accepted by major credit card companies. It took a good month for me to get the package, and when I did I called the credit card companies that they supplied in my kit. I was turned down. I tried to call Mr. Anderson but instead spoke with a gentelman with the first name of "Shawn". He then told me to give him til Monday, which was around June 21st and if he could not get me accepted that they would refund me the full amount.
I gave him a call on that Monday but then proceeded to talk to a Mr. Michael Adams. He then told me that my refund would be forwarded to my savings account in which that is where they took my money from. I then keep calling them and they would tell me that they would have to put a tracer on my refund. Finally Michael tells me that I have to write a refund letter with the verification #895852 and then it should only take 12 hours after receiveing my letter.
I wrote the letter and mailed it on August 3, 2004. I called August 11th to see if they had received my letter. Then Michael tells me that all refunds are being sent on August 28th. That same day I get my letter back for bad address. Which I sent it to the address that they told me to send it. I again tried calling to talk to Mr. Anderson, Michael answers and I tell him whom I am and he tells me to call Ron back in 10 minutes and hangs up on me.
I feel like I have had the run around since the first day. I have gotten my self in to deeper debt and all I want is my money that they were suppose to refund. The only number I have to contact them at is: 1-877-736-9522. I turned them into the BBB but their letter was also returned for bad address. I tried calling them back and the phone has been disconnected. I have been ripped off by this company. What can I do? Thank you...
Bonnie
Amarillo, Texas
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.
I got my credit cards that I could pay the bill with them.
He did assure me that I would be accepted by major credit card companies. It took a good month for me to get the package, and when I did I called the credit card companies that they supplied in my kit. I was turned down. I tried to call Mr. Anderson but instead spoke with a gentelman with the first name of "Shawn". He then told me to give him til Monday, which was around June 21st and if he could not get me accepted that they would refund me the full amount.
I gave him a call on that Monday but then proceeded to talk to a Mr. Michael Adams. He then told me that my refund would be forwarded to my savings account in which that is where they took my money from. I then keep calling them and they would tell me that they would have to put a tracer on my refund. Finally Michael tells me that I have to write a refund letter with the verification #895852 and then it should only take 12 hours after receiveing my letter.
I wrote the letter and mailed it on August 3, 2004. I called August 11th to see if they had received my letter. Then Michael tells me that all refunds are being sent on August 28th. That same day I get my letter back for bad address. Which I sent it to the address that they told me to send it. I again tried calling to talk to Mr. Anderson, Michael answers and I tell him whom I am and he tells me to call Ron back in 10 minutes and hangs up on me.
I feel like I have had the run around since the first day. I have gotten my self in to deeper debt and all I want is my money that they were suppose to refund. The only number I have to contact them at is: 1-877-736-9522. I turned them into the BBB but their letter was also returned for bad address. I tried calling them back and the phone has been disconnected. I have been ripped off by this company. What can I do? Thank you...
Bonnie
Amarillo, Texas
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.
