Complaint Review: Premium Advantage - Closter New Jersey New Jersey

I was offered a unsecured credit with a balance of 5,000 limit, if only I send a one time fee of $299.00. I was kind of scaptacle about the offer, the representative named kathey novak, kept trying to convince me that this was a once in a life time offer i couldn't refuse.So, at first I told her no to this offer, and I told her that this sound to good to be true,then I did authorize the withdrawal from amy account April 7, 2004 for $299.00, thinking I was going to receive a platinum credit card with a 5,ooo credit limit and 0% interest rate for the first two years and 3% the rest.

Well after two months of waiting, I recieved a package full of junk and all the way at the bottom a application form for a Gold Master membership with a $72.00 spent limit,and also another fee for a proceesing fee of 35.00, and the card had a 9.9% interest rate.

When calling that credit co. They no idea of my payment of $300.00 and had nothing to do with premium Advantage!So next I called Premium Advantage itself and they very rude, telling me I had to write them a request stating why I wanted me money back, so that's exactly what I did. I waited about two to three weeks, no response, so I called them back and they told me that they hadn't recieved anything from me, and I know I send them this lettter.I called many more times and the last time I called to a kathey Novak she told me that I wasn't going to get my money back, so I should stop calling her, she told me that I should have been a little more careful when I give my money away.

I was furious at her, and I told her that I was going to get me a lawyer, she told me that she didn't care,that she didn't do any thing wrong, I told her that she took my money and did not rendered the services she offered, and she said so.

Thanks for listening to my problem, thanks a billion for your assistance, but in the mean while I will be getting a police report on this company.

sincerely yours

Lechantel

Douglasville, Georgia
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 you 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/comptroller 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 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.