Complaint Review: Majestic Benefits - Champlaine New York

I was contacted via phone relative to a $5000 card that I thought at the time would help me re-establish my credit. Three weeks and $299 later I received this "package" via USPS. It was not what I agreed to to the fact that the $5000 limit was suddenly $2500 and there was an additional processing fee of $39.95. I should have known something was wrong when the sales representative who called me gave me the customer service number only. Endearing as he was..of course...he advised me that if I ever wanted to contact him that this number 1-866-384-0341 was the way to get hold of him.

I called this number on several occasions trying to get in touch with him, only to be told that the number I had reached was not in the "same building?" I no uncertain terms, I had no chance of speaking to the individual who sold me ($299) this card program. When I finally received the "package" 3 weeks later and it obviously was not what I had agreed to, I called customer service. I must say they need to do better when it comes to customer courtesy. When I advised the rep that I was not satisfied, that this was not what I ordered, and I wanted a refund minus any processing fees, she advised me that she could not issue a request for a refund, because the company issuing the card was a third party company. Very, very, very rude. Her voice rose in an absolute negative manner. I advised her that I am a customer service rep myself, and she could do better about her tone and attitude, especially in a customer service, business environment. If I am refunded any of my monies, I'd be surprised. I made sacrifices in my day to day life to send this money.

I was told that I would receive an administrative call....right! These people are selling a product for $299 and are not devuldging the specifics in any way. I had no idea that this would involve "deposit slips." Hell why would I be interested in sending my money to New York, so that someone could tack finances charges on it just to give it back to me for the sake of having a Master Card. I was advised that this was an unsecured card....lie. Help

George

Tampa, Florida
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.