- Report: #100076
Complaint Review: U.S. Benefits - Champlain New York
-
Author Not Confirmed
Why?
U.S. Benefits
P.O. Box 3374 Champlain, 12919-3374 New York, U.S.A.
Phone:
866-273-5372
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
U.S. Benefits LIARS AND FRAUDS! Rip-off! Champlain New York *EDitor's suggestion on how to get your money back for fraudulent charges to your bank account!
On April 21 I received a call from this company stating I could receive an unsecured credit card with a limit of $2,000, a free computer, a free cell phone, a free cruise package, and a free sattelitte. All for a one time fee of $329.00. I was skeptical and asked several times if this was an unsecured card and was told yes. I gave them my bank information, like an idiot. I was also able to give the payments on 2 seperate dates.
On June 15 I called and inquired about my card and was told by a lady named Eve that she would send it out but it may take a couple weeks as they were back-logged. It was then that she told me the package contained a signature note for a credit card. I told her I was not sure I wanted the deal but send it and I would read it over and get back with her.
On July 14, 2004 I received their package. It contained a signature note for a secured card with a limit of $5,000, a website for a free cell phone, a $500 dollar shopping spre(of which I must pay something), a "free" vacation offer of which I must pay for, a medical card(of which must also be paid $30 per year), an offer for a "free" sattelite(of which must be paid), a $5,000 minute phone cardof which must also be paid a fee, a legal portfolio registration, and a credit repair kit. I have an unsecured card and do not need another. All the offers they had had a fee involved. I have been trying to reach Eve to get a refund, but have only talked with an answering machine that never returns my calls.
This company is a fraud. I have contacted Champlain, N.Y. Attorney Generals office and can only file a complaint. I wish I knew the third-party bank that takes the money out of my account as most third-parties are not illegal. I wish to file a lawsuit or join a class-action lawsuit against this company but need others to assist me by reporting this to the Attorney Generals office in Champlain, N.Y.. their number is: 1-518-562-3282. Please get together and let's get this company off the market. I am on disability and cannot afford this, want my money back. I was hop-ing to continue to restore my credit and have succeeded in hurting my finances.
Dave
Yulee, 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 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 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.
On June 15 I called and inquired about my card and was told by a lady named Eve that she would send it out but it may take a couple weeks as they were back-logged. It was then that she told me the package contained a signature note for a credit card. I told her I was not sure I wanted the deal but send it and I would read it over and get back with her.
On July 14, 2004 I received their package. It contained a signature note for a secured card with a limit of $5,000, a website for a free cell phone, a $500 dollar shopping spre(of which I must pay something), a "free" vacation offer of which I must pay for, a medical card(of which must also be paid $30 per year), an offer for a "free" sattelite(of which must be paid), a $5,000 minute phone cardof which must also be paid a fee, a legal portfolio registration, and a credit repair kit. I have an unsecured card and do not need another. All the offers they had had a fee involved. I have been trying to reach Eve to get a refund, but have only talked with an answering machine that never returns my calls.
This company is a fraud. I have contacted Champlain, N.Y. Attorney Generals office and can only file a complaint. I wish I knew the third-party bank that takes the money out of my account as most third-parties are not illegal. I wish to file a lawsuit or join a class-action lawsuit against this company but need others to assist me by reporting this to the Attorney Generals office in Champlain, N.Y.. their number is: 1-518-562-3282. Please get together and let's get this company off the market. I am on disability and cannot afford this, want my money back. I was hop-ing to continue to restore my credit and have succeeded in hurting my finances.
Dave
Yulee, 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 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 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.
2 Updates & Rebuttals
Dave
Yulee,Florida,
U.S.A.
some progress
#2Author of original report
Sat, August 07, 2004
The ACH company for U.S. Benefits is a company called Electra Cash, their number is: 1-800-444-6952. They were of some assistance.
Dave
Yulee,Florida,
U.S.A.
told me I was wrong and could not get my money back
#3Author of original report
Wed, July 28, 2004
I finally got ahold of Eve on July 28, 2004. She told me I was wrong and could not get my money back. I am attempting to find out the third party bank that does the withdrawal from our bank accounts. Usually they are an honest company and will return your money. If anyone can assist me, please do. Thank you.
