- Report: #123014
Complaint Review: Financing Alternatives - Chesapeake, Virginia
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Financing Alternatives
565 Cedar Road Suite 1 Chesapeake,, 23322 Virginia, U.S.A.
Phone:
800-678-8018
Web:
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Financing Alternatives ripoff thieves who stole money from my bank account unauthorized Chesapeake, Virginia *EDitor's Suggestions on how to get your money back into your bank account!
For more than a year now, Financing Alternatives, Inc. have been debiting my bank account for a computer I never ordered. To date, they have stolen more than $1500.00 from my account and have caused me to have more than $500 in NSF charges. I have contacted them and asked that they refund my money as well as stop drafting my account every month. I spoke with a representative of Financing Alternative (named Shonta) who informed me that since I did not order the unit, I would need to file an "identity theft" complaint with the local police, forward the report number to them and they would send me a refund... that was more than a month ago. I still have not received my refund and they are still drafting money from my account. I even changed my account and they are still continuing to get money from my new account.
I have pleaded with them and tried to convince them that I did not order the computer, but they are apparently a bunch of lying thieves. I am battling cancer, bed confined, unable to sit up with support, and recently released from the hospital where I suffered a stroke. These people are making my life hell. I life on an extremely limited income (receiving only social security) and these people have stolen at least 4 months income from me.
Do not buy (or sign up to buy) a computer from these people because they will definitely rip you off and make your life miserable. I am in the process of hiring an attorney to get my money back. Although this company does not have any signed documents giving them permission to take money from my account, they are continuing to steal it from me. This company should be put out of business. They must be extremely desperate to steal from an elderly woman who is battling cancer and because of them I cannot buy all of my medications. I have tried to call them to get my money back but they continue to ignore me.
Please, please, please do not order a computer from them. But then again, I didn't and they are still taking my money.
Evelyn
Charlotte, North Carolina
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 have pleaded with them and tried to convince them that I did not order the computer, but they are apparently a bunch of lying thieves. I am battling cancer, bed confined, unable to sit up with support, and recently released from the hospital where I suffered a stroke. These people are making my life hell. I life on an extremely limited income (receiving only social security) and these people have stolen at least 4 months income from me.
Do not buy (or sign up to buy) a computer from these people because they will definitely rip you off and make your life miserable. I am in the process of hiring an attorney to get my money back. Although this company does not have any signed documents giving them permission to take money from my account, they are continuing to steal it from me. This company should be put out of business. They must be extremely desperate to steal from an elderly woman who is battling cancer and because of them I cannot buy all of my medications. I have tried to call them to get my money back but they continue to ignore me.
Please, please, please do not order a computer from them. But then again, I didn't and they are still taking my money.
Evelyn
Charlotte, North Carolina
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.
1 Updates & Rebuttals
Tom
Kerrville,Texas,
U.S.A.
Hey Evelyn, I read your post and I am disgusted at Financing Alternatives.
#2Consumer Suggestion
Thu, December 16, 2004
That's the last straw, when they take advantage of someone like you. Read my newest posts, and tell me what you think. I have made all my valid points that they are a fraud. Here is a post that Camoya made in regards to financing that blows Joeys idea about Dells high financing out the water. "PURCHASE PLAN: Dell Preferred Account: Offered by CIT Bank to qualified U.S. residents with approved credit. Creditworthiness determined by lender. Taxes, fees and shipping charges are extra and vary. Monthly payment based upon pre-rebate price. *NO INTEREST PROMOTIONAL FEATURE: FOR WELL QUALIFIED CUSTOMERS,* as determined by lender. Available on purchases of $500 or more made from October 1, 2004 through October 28, 2004. Interest accrues during the promotional period and will be added to your account if balance not paid by April 1, 2005. Minimum monthly payments are required. For accounts not paid in full by April 1, 2005, account balance and new purchases will be subject to the Standard Rate (14.49% - 16.49% variable APR, as of August 23, 2004 depending on creditworthiness)." That interest rate hasn't changed since. To contact the FBI refer to this. Contact U.S Dept. of Justice FBI office in Norfolk, VA. The telephone number is (757) 455-2649. Let them know you would like to give your information on being victim of FAI. Daniel Lee Cloyd is the Special Agent in Charge of this ongoing investigation. you may also ask to speak with Victim Specialist Jennifer Stacoffe. After you supply the FBI with all you information you will receive a Victim Identification Number which will allow you to call into a Victim Notification System call center to obtain the current status of the case. Hopefully, in the end we will all get our money back from these scammers. I hope it works out for you evelyn, All Financing Alternatives does is price gouge. Its proof because Compaq charges 12.9 to 15.9 Interest (about 200 dollars interest over the life of the loan.) See, Financing Alternatives violates the truth in lending act. All the other computer dealers disclose their interest rates. Why won't financing alternatives do the same?
