Complaint Review: First Link Benefits A.K.A World Of Benefits Global Benefits - Champlain New York

I have been trying to get a credit card for some time to help build credit, but have been turned down constantly due to lack of credit. Then i got a phone call from First Link Benenfits one day while i was at work saying that i was a pproved for a credit card. i thought that what they were saying sounded like a good deal.. i was busy at work and the companies operator was talking very fast.. he said that he'd be quick since i was busy... Being busy i didn't even take the time to think about the fact that it all seemed to good to be true.. No interest for three years and a free computer with a one time fee of $354.90 i gave them my account numbers and agreed to the transaction without really thinking about until after i got off the phone.. and realized that i didn't even remember them telling me the companies name.. It wasn't until after the money was pulled from my account that i learned the name...My mother suggested that i look them up on the better business burea.. i did this and was horrified to find out that the company was a scam... i am in the process of trying to get my money back and have to close my checking account so that they can no longer rip me off.. i am currently out of 355 This company rarely answers their 800 number. I called about ten times before speaking to someone that tried to convince me that the company had mailing problems and that i would soon recieve my card....each time that i called i was on hold for about ten minutes before their phone cuts you off and says to try again later If any company ever calls you with an off like this do not give out your personal account information.... ask the companies name and tell them you'll get back to them after you check out the company with a better business burea... Cassandra Whitewater, Wisconsin
U.S.A. I recently received a letter from Sweeptakes Information Reporting Services ( S.I.R.S) saying I had won $677,519.00. After reading the letter I found that I had to send a processing fee of $21.95. HOW INSANE IS THAT ! I starting researching the company and found that they had ripped off numerous people. I was one of the lucky ones, I didn't respond to the letter. But what I did do was contact the Local DA's office of Las Vegas, Nevada (Clark County). o anyone that receives this letter please keep it and call the DA's Office. The phone #'s to call are (702) 455-5320 , (702) 455-4761, (702) 455-4755, or (702) 455-4711. The numers are normally real busy, but keep hitting redial till you get through. I also took the liberty of contacting the Local news stations out there. I sent over the story by email, and called as well. Channel 5 Fox news station: KVVU-TV Channel 13 ABC news station: www. ktnv.com Unfortunely in Las Vegas anyone can get a Po Box, and they could live any where. But since they are using the Post office to commit a crime it is a felony, and the Post office could also press charges. SO KEEP THOSE LETTERS AND CONTACT THE DA. ALSO KEEP A COPY OF THEM FOR YOUR RECORDS. CONTACT YOUR LOCAL NEWS STATIONS< AND NEWSPAPERS, GET THIS OUT IN THE OPEN. Whitney Romeoville, Illinois
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.