- Report: #143893
Complaint Review: First National Health Care Benefits - Charlotte North Carolina
-
Author Confirmed
Why?
First National Health Care Benefits
15720 John J. Downy Dr. Suite 300 Charlotte, 28277 North Carolina, U.S.A.
Phone:
800-410-1682
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
First National Health Care Benefits ripoff took $299.95 from my bank account and I got nothing for it! Charlotte North Carolina *EDitor's Suggestions on how to get your money back into your bank account!
This company is a total scam! They promise but never deliver.
They call you up try to sell you on how you can get government grants. In order to do this you have to sign up to take a look at their health care program, tell you to take a look at the information for seven days, and if you would like to cancel to call an 800 number to cancel.
They even throw in a supposed $100 just for looking at their program. I tried to do this, I got nothing! After they had all of my information I was disconnected. Someone called back about five minutes later told me that they were having computer problems and that someone would call me back later that day, I got nothing!
I got a letter in the mail about four days later. The package that it arrived in looked like it was missing something.
The letter talks about how they're the finest discount health care in America and about all of the money saved. It also talks about a government grant information guide. After this I waited a few more days and tried to call them I was put on hold for hours, I tried all different times of the day it was the same. I even wrote them a letter telling them that I wished to cancel from the program and to please take my name off of they're list.
A full 10 days later I look at my bank account and there is a check for $299.95 made out to First National Health Care Benefits.
I have been calling them ever since and I keep getting told that the refund policy takes 2 to 3 weeks, that I get a letter in the mail and I am to fax it to them and then I will get a check in the mail for my money. I need this money back as soon as possible. If any one can help me with this please do
Bobbi
Garfield, New Jersey
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.
They call you up try to sell you on how you can get government grants. In order to do this you have to sign up to take a look at their health care program, tell you to take a look at the information for seven days, and if you would like to cancel to call an 800 number to cancel.
They even throw in a supposed $100 just for looking at their program. I tried to do this, I got nothing! After they had all of my information I was disconnected. Someone called back about five minutes later told me that they were having computer problems and that someone would call me back later that day, I got nothing!
I got a letter in the mail about four days later. The package that it arrived in looked like it was missing something.
The letter talks about how they're the finest discount health care in America and about all of the money saved. It also talks about a government grant information guide. After this I waited a few more days and tried to call them I was put on hold for hours, I tried all different times of the day it was the same. I even wrote them a letter telling them that I wished to cancel from the program and to please take my name off of they're list.
A full 10 days later I look at my bank account and there is a check for $299.95 made out to First National Health Care Benefits.
I have been calling them ever since and I keep getting told that the refund policy takes 2 to 3 weeks, that I get a letter in the mail and I am to fax it to them and then I will get a check in the mail for my money. I need this money back as soon as possible. If any one can help me with this please do
Bobbi
Garfield, New Jersey
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
Bobbi
Garfield,New Jersey,
U.S.A.
Got my refund letter.
#2Author of original report
Sat, May 28, 2005
I checked back to this site and did what the editor suggested. I went to the bank and filed the reg E form and closed my account, opened a new one. I get home for the bank to open my mail and there is the d**n letter that I have been waiting 3 weeks for. The next day I also check my account on line and there is another charge from EZ-rate for $59.90. I call the 800 number on the check and they tell me that because I signed up for a government grant that I also signed up for their long distance phone serivce. The man I was talking to told me that I had agreed to this and that it was on a recording, he let me listen to the recording as he also listened. It said nothing about me signing up for their service and that I would get my money back in about 5 days. Ok, now I call the bank to make sure that I am not going to be charge a fee for not enough funds in an account that was close the same day the charge came though, so the bank is taking care of that, and I also faxed them the letter I finaily got to tell me what my next step is. I will update again when I know more. Thanks for all your help.
