Complaint Review: 24PROTECTPLUS - PASSPORTTOFUN - SAVINGSMART

Some individuals or companies fruadulently withdrew $19.80,$19.80 and $1.00 from my account on 06/27/2007 using the names 24PROTECTPLUS, PASSPORTTOFUN, SAVINGSMART.C.

I checked my account transactions on 06/28/2007 and discovered these transactions which i'm pretty sure i did not authorised.

I made attemp to call their numbers 800-211-9749,888-840-6303 and 800-316-8774. The answering machine did not give me an option to contact a customer representative (same voice on the 3 answering machines). I sent an email to my bank to alert them on the transactions.

On 06/30/2007 i search the net to know who they are and discovered they are frauds (the 3 web sites look similar).

My Bank told me that my debit card was compromised. It baffles me how they got the information used because i am very careful with my cards. I don't respond to unsolicited mails, pop-ups are permanently blocked on my system and I always delete spam mails, most times without opening the spam mail folder. So I see no way I could have conscented to the withdrawals.

The only online payment i made recently was phoneout payment made directly to the service provider through my email account and this was not the first time i made such payment.

Please, I am very much interested in how they got the information. This information will surely be useful to me and others.

The following are excerpt from the transaction details.

06/27/2007 Withdrawal @ 24PROTECTPLUS30390 800-211-9749 CTUS ..... -$19.80 $222.89
06/27/2007 Withdrawal @ PASSPORTTOFUN00209 888-840-6303 CTUS Trace .....-$19.80 $203.09
06/27/2007 Withdrawal @ SAVINGSMART.C53466 800-316-8774 CTUS ..... -$1.00 $202.09

Thanks

Ade
Omaha, Nebraska
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 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/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 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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.