Complaint Review: First Credit Of America - Chicago Illinois

This company contacted me about a debt to to payday OK llc. this was a legitimate debt so I set up a cc payment arrangement with them. I continued to receive daily calls from their collectors in which I responded that I had made arrangements but they continued the harrasment. I paid the payments with a pre paid cc of which I only loaded with the appropraite amount two days before each payment was due. after the second payment was made, I noticed that my card balances were incorrect. When I investigated, I found that this company had tried to charge two unauthorized payments. when I contacted the company about this the only thing that the "floor Suprvisor" Alex Sanders(spoke with a heavy middle eastern accent) could tell me is that two payment to them had been declined. when I explained this he stated that they didnt make mistakes like that and that I was avoiding paying the debt and hung up on me when I disputed his statement. I continued with depositing the the money on the card 2 days before the next payment was due and that payment was taken by them on 10-04-06 they again attempted to take payments on 10-14,10-20, and 10-22. these were also unautorized payments and were declined. I attepted to contact mr sanders at the extension he gave me and was greeted with voicemail greeting of mr sanders with a very heavy scottish brogue(not the man I talked to earlier) I was again given a line of crap that 5 of my payments were declined and i was attempting to avoid payng them and I owed them $105.00 This man I dentified himself as floor supervisor Al Miller and spoke with a slight hispanic accent. he said that I could pay this debt of and be done with them for $100.00. I foolishley agreed and paid them what I thought was a final payment of $100.00. This was accurate as far as the debt was concerned. they took that payment over the phone on december 1st. I was assured by that gentlemen that the debt was payed and that I wouldnt hear from them again. on the 4th they took another $100 and tried to get more on the 6th I have since had to empty that card and not have use of it any more due to them. I called the copany on the 6th to find out why I had been charged again and spoke to a black lady who identified herself as Janlila and would not give me her last name. she told me that I must fax a copy of my cc statement to Laurie at payment proccesing to get a refund, was told I needed to be nicer if I expected to get my money back and hung up on me. I have faxed this Information 4 times and have the confirmations.I still have no credit on my card from them not to mention the 40.00 services fees every time the attepted to carge my card. in total this company has defrauded me directly of $100 and indirctly by nsf charges of $240. that is $340 Ive been screwed out of. If someone does decide to file suit, I'll be happy to convey to the attorney all proof of my statements and any help I can give them in taking down this sleazy, underhanded, and deceitful company. PS Iwas told that my conersations were recorded so if someone can produce the recordings, I will verify my statements under oath.

William

Bossier City, Louisiana
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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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.