- Report: #148531
Complaint Review: Oxford Financial - Champalin New York
-
Author Confirmed
Why?
Oxford Financial
P.O. Box 3588 Champalin, 12919 New York, U.S.A.
Phone:
866-333-7715
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Oxford Financial ripoff Champalin New York*EDitor's Suggestions on how to get your money back into your bank account!
I was contact by phone by a company calling themselves oxford financial saying I had been approved for a $2000.00 dollar master card with no intrest and no annual fees. Well I inquires futher asking all the questions about there web site which I looked up as I was talking to them on the phone I looked up mastercard.com that Kelly with the company told me to look up when I told her there was nothing there under there comapnys name she told me that they were making ther own web site so they must have taken it off of the master card site.
I thought that was very odd but took it at her word. Then she went on to tell me that there would be a one time fee of $249.00 for processing and package fee which was refundable if not satified. Which with no interst and no card fees did not seem to out of line but I still questioned her. She told me more than once that there were no more fee no intrest and no annual fees. Well she gave me three diffrent numbers for her and her extention and customer service numbers. I called and never got a person to answer which concerned me. They were going to make the withdraw from my accout on the 1st so I was calling around and checking out the company and ran into dead ends so on Wednesday I called and left a messages for them to contact me not response. On Thursday I call twice and told them that I wanted a return phone call or I was going to call my bank and stop payment and no return phone calls. The bank said it was to late to stop payment. On Monday I call several times trying to get a person after the 7 attempt I finally got a person on the phone and they said they were just the call center and was very short with me I then asked for a supervisor and they put a person on the phone that said his name is Patrict Norton and that he was the CEO of the call center hew was very rude and I asked him if he was aware that he was taking calls for a fraudulant company he said he has had that company for 40 some years and that he was no aware of that he also asked me my name and told me he had all of my information right in front of him and I asked him about the card he told me that I would get on in 40 days I also asked him about extra fees that I had read about on the complaints on line he informed me that there was a $39.95 fee for the card I told him that I was told more than once they told me that there were no hidden fees he asked me if I lsten to the recording at the end of when I had talked to Kelly I told yes I did and that he could research it and call me back with the recording that said there was another fee he hung up on me.
I had applied for a card on line along with paperwork to refinance our home at a lower intrest rate I assume that is how they got my name and number and said that wew were approved. The hree number that Kelly gave me were 1-866-333-7715 extention 010 for Kelly and 1-800-643-2979 which is a telephone sales company and they were rude also they to me to do what I had to do. Ad there cuntomer service number of 1-800-796-2499. I also call the 1-800 directory to get a number for oxford financial got number to an oxford finacial and when I called them she told me that it was not there company but they have already contacted there attorney general about the company because they had but getting numerous calls about them she was very nice and very helpful. Please beware of this company they are bad and I hope they are stoped soon. I contacted our Attorney Generals office in our state they told me that they had received complaints about this company so I am following through with a written compalaint in our state. And just a short note that I tod Patrict Norton the CEO of the callo center that I was not done with this company yet that he had meet his match he said he had een in this business for 40 years and had not meet his match yet.
Cindy
Las Cruces, New Mexico
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 thought that was very odd but took it at her word. Then she went on to tell me that there would be a one time fee of $249.00 for processing and package fee which was refundable if not satified. Which with no interst and no card fees did not seem to out of line but I still questioned her. She told me more than once that there were no more fee no intrest and no annual fees. Well she gave me three diffrent numbers for her and her extention and customer service numbers. I called and never got a person to answer which concerned me. They were going to make the withdraw from my accout on the 1st so I was calling around and checking out the company and ran into dead ends so on Wednesday I called and left a messages for them to contact me not response. On Thursday I call twice and told them that I wanted a return phone call or I was going to call my bank and stop payment and no return phone calls. The bank said it was to late to stop payment. On Monday I call several times trying to get a person after the 7 attempt I finally got a person on the phone and they said they were just the call center and was very short with me I then asked for a supervisor and they put a person on the phone that said his name is Patrict Norton and that he was the CEO of the call center hew was very rude and I asked him if he was aware that he was taking calls for a fraudulant company he said he has had that company for 40 some years and that he was no aware of that he also asked me my name and told me he had all of my information right in front of him and I asked him about the card he told me that I would get on in 40 days I also asked him about extra fees that I had read about on the complaints on line he informed me that there was a $39.95 fee for the card I told him that I was told more than once they told me that there were no hidden fees he asked me if I lsten to the recording at the end of when I had talked to Kelly I told yes I did and that he could research it and call me back with the recording that said there was another fee he hung up on me.
I had applied for a card on line along with paperwork to refinance our home at a lower intrest rate I assume that is how they got my name and number and said that wew were approved. The hree number that Kelly gave me were 1-866-333-7715 extention 010 for Kelly and 1-800-643-2979 which is a telephone sales company and they were rude also they to me to do what I had to do. Ad there cuntomer service number of 1-800-796-2499. I also call the 1-800 directory to get a number for oxford financial got number to an oxford finacial and when I called them she told me that it was not there company but they have already contacted there attorney general about the company because they had but getting numerous calls about them she was very nice and very helpful. Please beware of this company they are bad and I hope they are stoped soon. I contacted our Attorney Generals office in our state they told me that they had received complaints about this company so I am following through with a written compalaint in our state. And just a short note that I tod Patrict Norton the CEO of the callo center that I was not done with this company yet that he had meet his match he said he had een in this business for 40 years and had not meet his match yet.
Cindy
Las Cruces, New Mexico
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
Cindy
Las Cruces,New Mexico,
U.S.A.
I called the company back
#2Author of original report
Tue, July 05, 2005
It is now 12.48 I called the company back because a guy he says is Vience now he is the CEO of the company I asked him if he found the tapes to replay to me he said he found them but he had notes on my account they the employees were to get him on hte phone if I canlled again because he found me to bea a pain customer. I told him I was glad I got a name any way. But did he have the tsape to play back to me I asked him 5 times I told him I wanted to hear the tape afer having a heated discussion he finially played the tape and that I better stay on the phone until it was done wich I agreeded I would so e started the tape on two diffrent occations I said no on the tape and he questioned me on that after the second time on the tape I said now he stoped the tape and told me that he would give me a frefound in about three months I told him now that it was to be done sooner than that he told me that he could do it in a day a week what every he wanted I told him I had called the attorey generals office and that I was folloing through with the complaint to protect other perople from people like him. I also contacted my bank and they had told me that they were sending me the paper work to dispute the charges they were helful afer I told them what happened the first time they jsut said it was to late to stop the charge not to late to do any thing about it.
