These people took 449.00 from my bank account without arthorizion. They told me they billed for a company called Your Benifits.
Comments
0
tj
They are a fraudulent telemarketer, probably based in Canada, reportedly targeting seniors for fraudulent charges to bank accounts for some bogus "medical discount plan".
Here is their BBB report, rated "F". Note that their "address" is a mail forwarding service (mail drop) commonly used by Canadian based fraudulent scams, located near the Canadian border.
The nature of the BBB complaints is typical of a fraudulent telemarketing operation.
BBB had another report on them under a phony Ohio address, that included additional information on the fraudulent nature of their operation. That report now just has a warning of how to handle fraudulent bank charges, and a forward to the other BBB.
They have complaints of calls claiming to be with "Medicare", attempting to panic seniors into disclosing account information, or "your benefits will be cut off". There are also complaints tied to their numbers of other fraudulent schemes including "government grant" scams, as well as reports of fraudulent charges without any prior contact, which may indicate they have obtained illegal access to banking information, and have a payment processor willing to ignore their fraudulent activity.
Reports include that when challenged, they may attempt to string out consumer disputes, trying to run out the 60 day FRB Reg. E dispute window. Other reports are that when consumers have disputed their fraudulent charges, they have countered the dispute, claiming to have a "recorded authorization", and conned bank employees into believing them. Use of doctored, edited, or misrepresented recordings is a common tactic of Canadian-based fraudulent telemarketers, often reported in connection with such fraud rings in the Montreal area.
Immediately contact your bank to dispute theier fraudulent charge, and close and block the account due to fraud to prevent additional fraudulent charges. Follou up with a written dispute and notarized fraud affidavit sent to your bank's dispute address from your statement. Make sure your bank is on verifiable written notice of the fraud (mail certified) within the 60 day dispute window measured from the statement data of the statement showing the disptued charge.
Do not be surprised if they try to counter your dispute with other fraudulent documents or false claims to have some "recording". File a fraud and theft complaint with your local police, and obtain a copy of the report to forward to your bank.
File fraud complaints with FTC, your state Attorney General, and RCMP.
Note that "discount medical service" and "Your Benefits" are so generic sounding they might be confused with some legitimate charge on a statement. They are already pretenting to be "Medicare", and riding on the Medicare Part D "parade". Also note that they are attempting to add confusion by claiming to be just the "payment processor" for "Your Benefits". And keep in mind their intended targets are the elderly, often afraid of losing their medical benefits, so they play on that fear.
With scams, it's not an issue of which "company" did what. Names are just camoflage. They are all in it, whatever they are calling themselves today, and any "separate" names or "companies" are just created to deceive and confuse the victim. That is why RICO lumps all players back together as one entity.
0
tj
This is "remotely created check" (RCC) fraud.
FTC recently settled with a payment processor, Landmark Clearing, caught aiding and abetting these schemes.
FTC Seeks Public Comment on Proposal to Ban Payment Methods Favored in Fraudulent Telemarketing Transactions
In an ongoing effort to protect consumers from deceptive telemarketing, the Federal Trade Commission seeks public comment on proposed amendments to strengthen the Telemarketing Sales Rule’s protections against bogus charges and services.
The Commission’s Notice of Proposed Rulemaking announced today would curtail the use of four payment methods favored by con artists and scammers. The proposed changes would:
Stop telemarketers from dipping directly into consumer bank accounts by using unsigned checks and “payment orders” that have been “remotely created.” These instruments can make it easy for unscrupulous telemarketers to debit bank accounts without permission, according to the FTC.
Bar telemarketers from getting paid with traditional “cash-to-cash” money transfers, as well as “cash reload” mechanisms, that scammers rely on to get money quickly and anonymously from consumer victims.
The FTC has found that unscrupulous telemarketers rely on these payment methods because they are largely unmonitored and provide consumers with fewer protections against fraud. The FTC’s proposed changes to the TSR would make it a violation for telemarketers and sellers to accept any of these payment methods in any telemarketing transaction.
The proposed changes also would expand the TSR’s ban on telemarketing “recovery services” in exchange for an advance fee. In the Commission’s experience, telemarketers who call consumers offering to help recover losses they suffered through an earlier fraud are often engaged in deceptive practices. Currently limited to offers to recoup losses suffered in a prior telemarketing transaction, the existing ban would be expanded to include offers to recoup losses suffered in any prior transaction.Reply !
Comments
Similar complaints.
https://complaintwire.org/Complaint.aspx/IkTAOiunqgD6NAjMSyKuCA
Here is their BBB report, rated "F". Note that their "address" is a mail forwarding service (mail drop) commonly used by Canadian based fraudulent scams, located near the Canadian border.
http://www.bbb.org/upstate-new-york/business- ... n-ny-165454830/
The nature of the BBB complaints is typical of a fraudulent telemarketing operation.
BBB had another report on them under a phony Ohio address, that included additional information on the fraudulent nature of their operation.
That report now just has a warning of how to handle fraudulent bank charges, and a forward to the other BBB.
http://www.bbb.org/centralohio/business-revie ... ain-ny-70061713
You can find excerpts of the earlier BBB report here:
https://complaintwire.org/Complaint.aspx/-GvNRaM3yABR_gjMtjwn1g
They have complaints of calls claiming to be with "Medicare", attempting to panic seniors into disclosing account information, or "your benefits will be cut off". There are also complaints tied to their numbers of other fraudulent schemes including "government grant" scams, as well as reports of fraudulent charges without any prior contact, which may indicate they have obtained illegal access to banking information, and have a payment processor willing to ignore their fraudulent activity.
Reports include that when challenged, they may attempt to string out consumer disputes, trying to run out the 60 day FRB Reg. E dispute window. Other reports are that when consumers have disputed their fraudulent charges, they have countered the dispute, claiming to have a "recorded authorization", and conned bank employees into believing them. Use of doctored, edited, or misrepresented recordings is a common tactic of Canadian-based fraudulent telemarketers, often reported in connection with such fraud rings in the Montreal area.
Immediately contact your bank to dispute theier fraudulent charge, and close and block the account due to fraud to prevent additional fraudulent charges. Follou up with a written dispute and notarized fraud affidavit sent to your bank's dispute address from your statement. Make sure your bank is on verifiable written notice of the fraud (mail certified) within the 60 day dispute window measured from the statement data of the statement showing the disptued charge.
Do not be surprised if they try to counter your dispute with other fraudulent documents or false claims to have some "recording". File a fraud and theft complaint with your local police, and obtain a copy of the report to forward to your bank.
File fraud complaints with FTC, your state Attorney General, and RCMP.
http://www.ftc.gov/opa/2010/08/hustle.shtm
With scams, it's not an issue of which "company" did what. Names are just camoflage. They are all in it, whatever they are calling themselves today, and any "separate" names or "companies" are just created to deceive and confuse the victim. That is why RICO lumps all players back together as one entity.
FTC recently settled with a payment processor, Landmark Clearing, caught aiding and abetting these schemes.
https://complaintwire.org/Complaint.aspx/PLhoHHSPzQCJOgjN4GUuQQ
Immediately dispute fraudulent charges directly with your bank, and close the account to block additional fraud. Follow up with a fraud affidavit.
File fraud complaints with FTC and OCC (Office of the Comptroller of the Currency).
"For Release: 05/21/2013
FTC Seeks Public Comment on Proposal to Ban Payment Methods Favored in Fraudulent Telemarketing Transactions
In an ongoing effort to protect consumers from deceptive telemarketing, the Federal Trade Commission seeks public comment on proposed amendments to strengthen the Telemarketing Sales Rule’s protections against bogus charges and services.
The Commission’s Notice of Proposed Rulemaking announced today would curtail the use of four payment methods favored by con artists and scammers. The proposed changes would:
Stop telemarketers from dipping directly into consumer bank accounts by using unsigned checks and “payment orders” that have been “remotely created.” These instruments can make it easy for unscrupulous telemarketers to debit bank accounts without permission, according to the FTC.
Bar telemarketers from getting paid with traditional “cash-to-cash” money transfers, as well as “cash reload” mechanisms, that scammers rely on to get money quickly and anonymously from consumer victims.
The FTC has found that unscrupulous telemarketers rely on these payment methods because they are largely unmonitored and provide consumers with fewer protections against fraud. The FTC’s proposed changes to the TSR would make it a violation for telemarketers and sellers to accept any of these payment methods in any telemarketing transaction.
The proposed changes also would expand the TSR’s ban on telemarketing “recovery services” in exchange for an advance fee. In the Commission’s experience, telemarketers who call consumers offering to help recover losses they suffered through an earlier fraud are often engaged in deceptive practices. Currently limited to offers to recoup losses suffered in a prior telemarketing transaction, the existing ban would be expanded to include offers to recoup losses suffered in any prior transaction.Reply !