Complaint Review: Premium Advantage - Fort Lee New Jersey

I was approached by telephone at the end of october 2004 by a man whom sold me on a great too good to be true deal about a $5000.oo cradit card. Upon getting the details settled i was disconnected from the place after they took my bank information to call them bank, and never received a follow up call.

I contacted my bank and was told i could not put a stop payment on it because it was on the phone, i had to wait for it to become drafted out of my checking account. On Nov. 3 the money was indeed drafted and i got a telephone number to contact the company. Talking to a man named henry, he explained to me that i was to receive a empty credit card, telling him thats is not what i was told i asked hime to cancel it since i had not yet received anything and to please refund my money. He told me he could not do that. I promptly asked to speak to his manager and was told that the manager does not accept calls, the only way to handle this is to send a letter to him and request cancellation.

So i sent a letter at the same time batteling my bank and using their assistance in this matter. Never hearing anything back my bank contacted the company with us in the presence where the customer service rep. would not give her any information on their address or whereabouts.

As i was on the phone a man named tom again repeated the same address as i had, and laughed at me and told me that if i filed charges that i would be the one getting fines. then told me good luck getting my money back because noone has as of yet. That left me enraged. I have yet to recieve any money or goods from premium advantage and its now the end of december, and i have made many more annoying phone calls and letters to this general manager supposedly going by the name Jack Wilson.

I would like to participate in any way to see that these people see the justice that they deserve. Thanks. So please let me know if anyone has gooton any farther in this matter.

Torrie

Evansville, Indiana
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!

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...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.