Medchoice Financial/MedChoice Credit Corp

ACH debits from account/loans not paid

8th of Dec, 2011 by TXmedchoicefinancialvictim2011

I secured a loan with Medchoice Financial and although they deducted loan payments from our checking account/they did not pay on the loan. (2) small refunds have been issued and I have been informed today by William Doniger; that they are currently being audited and I should receive a letter of correspondance soon. These are the steps I took after contacting the Florida Attorney General's office

Florida Attorney General Pam Bondi received your email regarding Medchoice Financial. Attorney General Bondi has asked that I respond. I am sorry for your difficulties.

Our office reviews complaints to develop information about patterns of questionable business activities. If we discover a pattern, what originated as a private dispute between buyer and seller may become a matter of broad public interest and thus warrant the Attorney General's intervention under the state's consumer protection laws. We will keep your correspondence for future reference. Please note that our office does not mediate individual consumer complaints.

It appears that you have fallen victim to an advance fee loan scheme. The Federal Trade Commission (FTC) provides information about advance fee loans and instructions on how to file a complaint online at:

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt028.shtm
http://www.ftc.gov/bcp/edu/microsites/moneymatters/dealing-with-advance-fee-loans.shtml

http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel16.shtm
http://www.ftc.gov/bcp/edu/microsites/phonefraud/credit.shtml
http://www.ftc.gov/bcp/menus/consumer/credit/loans.shtm
http://www.ftc.gov/bcp/edu/pubs/consumer/general/gen22.shtm

If you applied for the loan over the internet, I also suggest that you contact the Internet Crime Complaint Center (IC3), which is a combined effort of the National White Collar Crime Center and the FBI to combat Internet fraud. You may reach the IC3 by telephone at (800) 251-7581, or you can visit that agency's website to file a complaint and learn more about Internet fraud:

http://www.ic3.gov/default.aspx

I encourage you to work with your bank to find out about the possibility of having the charges reversed under Federal Regulation "E". If your bank is a member of the National Automated Clearing House Rules Association, that organization's rules permit the reversal of any unauthorized automated clearinghouse transaction if reported within sixty days after the transaction. More information is available online at:

http://www.nacha.org

At the state level, the Florida Office of Financial Regulation (OFR), Division of Financial Institutions, licenses, charters, examines, and regulates financial institutions and financial service companies. I encourage you to contact the OFR for any assistance or information that agency may be able to provide. Contact information is provided below:

Florida Office of Financial Regulation
200 East Gaines Street
Tallahassee, Florida 32399-0370
Telephone: (850) 410-9898
Toll-free within Florida: (800) 848-3792
Website: http://www.flofr.com
Complaint Forms: http://www.flofr.com/Consumer/Complaints.aspx
Verify A License: http://www.flofr.com/Consumer/Verify.aspx

Another potential resource of assistance may be the Florida Department of Agriculture and Consumer Services, Division of Consumer Services (DACS).
DACS serves as the clearinghouse for consumer complaints and has a voluntary mediation program to assist individual consumers. You may contact DACS at:

Florida Department of Agriculture and Consumer Services Division of Consumer Services
2005 Apalachee Parkway
Tallahassee, Florida 32399
Telephone: (850) 488-2221
Toll-free within FL: (800) 435-7352
Website: http://www.800helpfla.com/

You may also wish to contact the following consumer organizations:

Federal Trade Commission
Toll-free: (877) 382-4357
Website: http://www.ftc.gov

Better Business Bureau of Southeast Florida (serving Miami, Ft.
Lauderdale, West Palm Beach areas)
Phone: (561) 842-1918
Email: [email protected]
Website: http://www.seflorida.bbb.org/

Palm Beach County Consumer Protection Office
Phone: (561) 712-6600
Website: http://www.pbcgov.com/publicsafety/consumeraffairs/

Finally, Florida's Deceptive and Unfair Trade Practices Act provides individuals with a private remedy to bring an action for damages, attorney's fees and court costs. You may wish to consider consulting a private attorney for any legal guidance you may need. If you need help finding a lawyer, The Florida Bar offers a Lawyer Referral Service which you may contact toll-free at (800) 342-8060.

Thank you for taking the time to share your concerns with Attorney General Bondi's Office. I hope you find this information helpful.

Sincerely,
Beverly Bailey
Office of Citizen Services
Florida Attorney General's Office
PL-01, The Capitol
Tallahassee, Florida 32399-1050
Telephone: (850) 414-3990
Toll-free: (866) 966-7226
Website: www.myfloridalegal.com

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