- Report: #120392
Complaint Review: Phoenix consumer credit - LARGO Florida
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Phoenix consumer credit
7551 Ulmerton Rd Suite F LARGO, Florida, U.S.A.
Phone:
866-7992788
Web:
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PHOENIX CONSUMER CREDIT RIPOFF REPRESENTATIVE JEFF HELQUIST LARGO FLORIDA *EDitor's Suggestions on how to get your money back into your bank account!
I recieved a phone call, asked if I would be interested in talking to the supervisor. I said yes, was given a confirmation number for when they called me back.
The supervisor called me back, asked for the confirmation number, explained that I had applied for a card with them in the past and was denied but if could show proof of an active checking account, just giving them the bank name and routing number they could verify and give me approval. He spelled his name for me, JEFF HELQUIST, gave me his extension, 214, assured me that my bank account would not be accessed.
I asked all the questions, how much available credit on the 500.00 given, is this a online shopping card, how much of a yearly fee , you are not going to just send me a list of credit cards that I might get????? NO NO NO just the fee of 129.95 charged one time. I would recieve the paperwork in the mail choosing a visa or mastercard and sign so that my signature was on file. After three months of on time payments my credit limit would be increased. Don't over spend but fill your car up with gas and pay off the balance. Get you credit on track.
He called three times, making sure I had all of his information and told me to call him at his extension anytime if i had any questions. He could tell I was leary several times during our conversation, and had even told him I did't want the card and he hooked me back in and assured me this was perfectly legit.
I just wanted to establish my credit and get it back on track. So the outcome is I called to check my bank account to see what checks had cleared that I had written and there was this weird check number, nothing that was out of my check book. I knew the minute I heard that check number that phoenix was a scam and they took me for 129.95.
Of course it has been three weeks since they called and I have recieved nothing in the mail. So today I tried and tried to call and got a recording, over and over and over. I left a nasty message not that that matters because they are probrably in the carribean on all of our money.
So tonight I tried to find them on the net and low and behold look at the can of worms that I opened. I will be demanding the money be credited to my account at the bank tomorrow, I will be calling the sherriffs office and the news.
Anyone wants to take this any further, lets do it. I am willing to do whatever it takes to put these places under who prey on hardworking people who have had financial diffuculties in the past and just want to reestablish a little something for themselves. I did write down the confirmation number, the phone number that they gave me, I know there are others, and it is on file with my bank the check number they used to get my money. I'm pissed .
Kate
monroe, North Carolina
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.
The supervisor called me back, asked for the confirmation number, explained that I had applied for a card with them in the past and was denied but if could show proof of an active checking account, just giving them the bank name and routing number they could verify and give me approval. He spelled his name for me, JEFF HELQUIST, gave me his extension, 214, assured me that my bank account would not be accessed.
I asked all the questions, how much available credit on the 500.00 given, is this a online shopping card, how much of a yearly fee , you are not going to just send me a list of credit cards that I might get????? NO NO NO just the fee of 129.95 charged one time. I would recieve the paperwork in the mail choosing a visa or mastercard and sign so that my signature was on file. After three months of on time payments my credit limit would be increased. Don't over spend but fill your car up with gas and pay off the balance. Get you credit on track.
He called three times, making sure I had all of his information and told me to call him at his extension anytime if i had any questions. He could tell I was leary several times during our conversation, and had even told him I did't want the card and he hooked me back in and assured me this was perfectly legit.
I just wanted to establish my credit and get it back on track. So the outcome is I called to check my bank account to see what checks had cleared that I had written and there was this weird check number, nothing that was out of my check book. I knew the minute I heard that check number that phoenix was a scam and they took me for 129.95.
Of course it has been three weeks since they called and I have recieved nothing in the mail. So today I tried and tried to call and got a recording, over and over and over. I left a nasty message not that that matters because they are probrably in the carribean on all of our money.
So tonight I tried to find them on the net and low and behold look at the can of worms that I opened. I will be demanding the money be credited to my account at the bank tomorrow, I will be calling the sherriffs office and the news.
Anyone wants to take this any further, lets do it. I am willing to do whatever it takes to put these places under who prey on hardworking people who have had financial diffuculties in the past and just want to reestablish a little something for themselves. I did write down the confirmation number, the phone number that they gave me, I know there are others, and it is on file with my bank the check number they used to get my money. I'm pissed .
Kate
monroe, North Carolina
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.
