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  • Report:  #203808

Complaint Review: New Millennium Bank(aka)EDP CARDFifty - New Brunswick Internet

Reported By:
- Lewisburg, Tennessee,
Submitted:
Updated:

New Millennium Bank(aka)EDP CARDFifty
Fifty Seven Livingston Avenue New Brunswick, 08903-2682 Internet, U.S.A.
Phone:
732-729-4395
Web:
N/A
Tell us has your experience with this business or person been good? What's this?
My daughther and I ORDERED CREDIT ON THE INTERNET THROUGH New Millenium Bank. They sent my daughter an application for a pre-paid visa credit card.

We sent New Millenium Bank back the application along with 29.99 processing fee and another 10.00 to add me to the account.

Today August31,2006 my daughter received a letter from New Millenium Bank stating that we were approved.

They also required that she send more information about herself and me.And for us to send a minimum of $300.00 or maximum of$5000.00 payable to New Millenium Bank for a savings account in my daughters name.After that we were to receive our credit cards.

I went to my bank today August 31,2006 and found out that I had insufficient funds for the amount I was trying to withdraw out of my checking account.I went inside my bank and the worker showed me a copy of a check dated July 24,2006 for $159.95 paid to EDP CARD. Memo stated visa acclaim card 1-800-430-0672 Order number 2631240 and Confirmation 1758654.

And where I should have signed the check it said PRE-AUTHORIZED CHECK No Signature Required.

Also on the other side of the check it says Deposit To The Account Of The Payee. At the bottom I can see First Citizens Bank 100 E Tryon RD Raleigh NC 61353110.

I am ver outraged that someone can do this to someone I want my money back A.S.A.P.

Bettye

Lewisburg, Tennessee
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 hasbeenmore 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 youproperly 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 dealwith 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 chargetruth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics still worshould k. The bank can easily faxor mail toyou the Federal Regulation E dispute form.

Click here to read other Rip Off Reports on New Millennium Bank

Click here to read other Rip Off Reports on New Millennium Bank


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