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  • Report:  #119410

Complaint Review: Gate Way Computers - First Inete Online - Firstinete Web - GateWay Computers - Clearwater Florida

Reported By:
- San Marcos, California,
Submitted:
Updated:

Gate Way Computers - First Inete Online - Firstinete Web - GateWay Computers
1435 Gulf To Bay Blvd.Ste A. Clearwater, 33755 Florida, U.S.A.
Phone:
800-992-9695
Web:
N/A
Tell us has your experience with this business or person been good? What's this?
I got an e-mail telling me I had been approved for a credit card with a 10,000 dollar limit and a free Gateway computer.

And that I would only have to pay for shipping.

I never ricieved the credit card,only a membership card.

First Inete Online took 150.00 dollars from my checking account and Gateway Computers Ink took 299.00 dollars from my cheking accout ,both with out my approval.

Horacio

San Marcos, California
U.S.A.

Click here to read other Rip Off Reports on Gateway

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.


1 Updates & Rebuttals

Dawn

Clearwater,
Florida,
U.S.A.
First Inet Online is not affiliated with Web Gateway Computers

#2UPDATE Employee

Wed, November 24, 2004

Dear Horatio, First may I say I am sorry you are unhappy with your credit line offered by First Inet Online. If you take the time to call our 800 number, we can refund your deposit and cancel your credit line. As of this writing, there is no record of you placing any calls to our customer service department. First Inet Online does not offer a credit card, we offer a credit line. We do offer a free computer with only shipping and handling required but it is not a Gateway nor do we claim that it is. We do not hide the fact that a 150 deposit is required. In order to apply for the card it is necessary to check a box with the following in big letters next to it: YOU MUST CHECK THIS BOX TO CONFIRM. By joining this program you authorize the Service Provider to establish a credit account in your name. You also agree to the following terms: You will be charged no fees for joining the program. You will also not be charged annual fees. A one-time $150.00 debit from your bank account is a non-cash refundable deposit on account with Service Provider which you may use to purchase future merchandise. You will receive via U.S. POST an introductory package including account identification material, ordering material, and three (3) One Hundred Dollar* Certificates. These Certificates may be used as payment towards your account balance that was generated by charging products. The certificates may only be used to make payments on the unpaid balance of your account generated by product purchases; certificates may not be used to pay on fees or finance charges. Secondly, I am sorry that you have a problem with Web Gateway, but I'm not sure why you are linking the two companies here. We don't know them and are not affiliated with them. Is it possible that you completed another offer online around them same time? I would suggest you call the customer service for that company to resolve that issue. Finally, I have to disagree with Rip-off Reports to say that the charge is unauthorized, as Horacio did authorize the charge when he filled ou the application, checked the box next to the approval to debit $150.00 and then filled in his banking account information so it could be debited. I would advise instead, that when anyone is considering any type of offer that they read the terms and conditions and understand thoroughly what they are applying for prior to submitting an application.

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