Ameriplan They took my money without my permission! ripoff Plano Texas *EDitor's Suggestions on how to get your money back into your bank account!
I was unemployeed and looking for a home based job that I could do part time while looking for steady employment. I joined Ameriplan in August 2006 under the impression that there was a one time $50 fee. I was sent a promo package with a confirmation number I had to call in order to be a confirmed IBO.
I never confirmed my membership and never got started as an IBO. I tried to find providers in my area and could not locate any. I decided not to continue with the company and was happy I had only given them $50. Well...
In the past 3 days I have recieved notice of 7 insufficiant funds from my bank, costing me $25 overdraft fee per check! I keep my checkbook balanced without using my statement, so didn't see that Ameriscam had been taking $50 per month from my account for the past 3 months hence causing my account to be off balance by $150.00!
Now not only am I out the $200 to this useless, scamming company, I am also out $175 for overdraft fees and have suffered the embarrassment of 7 bounced checks! They will get no more money from me as I have canceled my debit card and my bank is in dispute with them over the $150 which I will probably not get back.
I learned a great lesson here, though costly. Never join any business online without checking them out with the BBB first, or if they require sending them money and giving them a bank account number! I should not have to pay to work. Isn't it suposed to be the other way around?
After reading all the negative reports on Ameriplan I can only say this:
Stay away from this company! Do not even go to their site! They are nothing but a rip off! As the old cliche' goes "If it sounds too good to be true, it probably is".
Linda
tulsa, Oklahoma
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!
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.
Click here to read other Rip Off Reports on Ameriplan USA
8 Updates & Rebuttals
Wesley
Aurora,Colorado,
U.S.A.
Always carefully look into what you are getting involved in.
#9Consumer Comment
Sat, June 16, 2007
I am not in Ameriplan but have looked into it. I was able to find many providers in my area. I was also informed that $50.00 a month would be taken out.
Also you made a statement that you should not have to pay to work, but should be paid to work. Remember you are buying into your own business that has support. I checked out their support and training system and found it to be very efficient. If you were buying your own McDonalds, do you expect to have someone give you the hamburgers and buns? Keep in mind when you buy your own business you will have to invest time and money. If that does not appeal to you, then go to work for someone else. I found nothing wrong with this company.
Wesley
Aurora,Colorado,
U.S.A.
Always carefully look into what you are getting involved in.
#9Consumer Comment
Sat, June 16, 2007
I am not in Ameriplan but have looked into it. I was able to find many providers in my area. I was also informed that $50.00 a month would be taken out.
Also you made a statement that you should not have to pay to work, but should be paid to work. Remember you are buying into your own business that has support. I checked out their support and training system and found it to be very efficient. If you were buying your own McDonalds, do you expect to have someone give you the hamburgers and buns? Keep in mind when you buy your own business you will have to invest time and money. If that does not appeal to you, then go to work for someone else. I found nothing wrong with this company.
Marianne
Oceanside,California,
U.S.A.
Unfounded Complaint
#9Consumer Comment
Fri, May 11, 2007
Hi, I feel bad for you. But your situation is not that you are a victim, but that you clearly didnt bother to read any of the policies in place with this company! I myself am looking for a homebased business. Unlike you I have done my homework. And the broker I have been talking with made it clear that you pay 50.00 a month, which is for 5 different websites, free training and materials. I also checked out several diffrent ameriplan websites and found the same info. on ea. site. I looked up participating providers and started calling them to see if they honor the fee schedule. All but one did. And I am reporting them to ameriplan because they are the one defaulting NOT ameriplan!! I was also impressed that my very own dentist not only accepts it but has purchased the discount cards for all of his employees. And yes I did check out the BBB which says it revoked ameriplans membership. However they do that when there are to many complaints. Its unfortunate that the majority of the complaints are unfounded. They are all very similar to this one. So next time you try to ruin a reputation, make sure you have your facts correct!!!
J. L.
Ft. Worth,Texas,
U.S.A.
One persons own mistake does not make a company bad
#9Consumer Comment
Tue, May 08, 2007
I am an Ameriplan IBO. When a member signs up they are sent an email usually within minutes of siging up and hitting the submit or enter key. This is what the typical email shows when you sign up for an Ameriplan member and the IBO email is simular. Anyone signing up for ANY plan for ANYTHING should read EVERYTHING before hitting Enter or submit.
"Congratulations on being AmeriPlan's newest member! Please print this confirmation page for your records.
Your member packet will be shipped to you in 7 to 10 business days. Plan on using your services right away to start saving!
ORDER INFORMATION
Reference #: 0000XXXXXX Time 13:04:21
Member Number: M40XXXXXX Date: 01/29/2007
Enroller Name: (name withheld) Enroller Number: 40XXXXX
PROGRAM SELECTION
Selections Initial Recurring
DVPC Household Member 39.95 19.95
Totals: $39.95 $19.95
PAYMENT INFORMATION
Billing Cycle: Monthly
Billing Day: 18th
1st Recurring Payment Due Date: 03/18/2007
Notice that it say "Recurring" more than once?
As another person stated, do not judge a company by one person's inability to read and comprehend an agreement. I would also like to mention that Ameriplan is still listed with "Dun & Bradstreet". And as others have said one must pay money to be a member of the BBB. Perhaps paying money to the BBB was no longer a necessary promotional venture. God Bless you all.
J. L.
Ft. Worth,Texas,
U.S.A.
One persons own mistake does not make a company bad
#9Consumer Comment
Tue, May 08, 2007
I am an Ameriplan IBO. When a member signs up they are sent an email usually within minutes of siging up and hitting the submit or enter key. This is what the typical email shows when you sign up for an Ameriplan member and the IBO email is simular. Anyone signing up for ANY plan for ANYTHING should read EVERYTHING before hitting Enter or submit.
"Congratulations on being AmeriPlan's newest member! Please print this confirmation page for your records.
Your member packet will be shipped to you in 7 to 10 business days. Plan on using your services right away to start saving!
ORDER INFORMATION
Reference #: 0000XXXXXX Time 13:04:21
Member Number: M40XXXXXX Date: 01/29/2007
Enroller Name: (name withheld) Enroller Number: 40XXXXX
PROGRAM SELECTION
Selections Initial Recurring
DVPC Household Member 39.95 19.95
Totals: $39.95 $19.95
PAYMENT INFORMATION
Billing Cycle: Monthly
Billing Day: 18th
1st Recurring Payment Due Date: 03/18/2007
Notice that it say "Recurring" more than once?
As another person stated, do not judge a company by one person's inability to read and comprehend an agreement. I would also like to mention that Ameriplan is still listed with "Dun & Bradstreet". And as others have said one must pay money to be a member of the BBB. Perhaps paying money to the BBB was no longer a necessary promotional venture. God Bless you all.
J. L.
Ft. Worth,Texas,
U.S.A.
One persons own mistake does not make a company bad
#9Consumer Comment
Tue, May 08, 2007
I am an Ameriplan IBO. When a member signs up they are sent an email usually within minutes of siging up and hitting the submit or enter key. This is what the typical email shows when you sign up for an Ameriplan member and the IBO email is simular. Anyone signing up for ANY plan for ANYTHING should read EVERYTHING before hitting Enter or submit.
"Congratulations on being AmeriPlan's newest member! Please print this confirmation page for your records.
Your member packet will be shipped to you in 7 to 10 business days. Plan on using your services right away to start saving!
ORDER INFORMATION
Reference #: 0000XXXXXX Time 13:04:21
Member Number: M40XXXXXX Date: 01/29/2007
Enroller Name: (name withheld) Enroller Number: 40XXXXX
PROGRAM SELECTION
Selections Initial Recurring
DVPC Household Member 39.95 19.95
Totals: $39.95 $19.95
PAYMENT INFORMATION
Billing Cycle: Monthly
Billing Day: 18th
1st Recurring Payment Due Date: 03/18/2007
Notice that it say "Recurring" more than once?
As another person stated, do not judge a company by one person's inability to read and comprehend an agreement. I would also like to mention that Ameriplan is still listed with "Dun & Bradstreet". And as others have said one must pay money to be a member of the BBB. Perhaps paying money to the BBB was no longer a necessary promotional venture. God Bless you all.
J. L.
Ft. Worth,Texas,
U.S.A.
One persons own mistake does not make a company bad
#9Consumer Comment
Tue, May 08, 2007
I am an Ameriplan IBO. When a member signs up they are sent an email usually within minutes of siging up and hitting the submit or enter key. This is what the typical email shows when you sign up for an Ameriplan member and the IBO email is simular. Anyone signing up for ANY plan for ANYTHING should read EVERYTHING before hitting Enter or submit.
"Congratulations on being AmeriPlan's newest member! Please print this confirmation page for your records.
Your member packet will be shipped to you in 7 to 10 business days. Plan on using your services right away to start saving!
ORDER INFORMATION
Reference #: 0000XXXXXX Time 13:04:21
Member Number: M40XXXXXX Date: 01/29/2007
Enroller Name: (name withheld) Enroller Number: 40XXXXX
PROGRAM SELECTION
Selections Initial Recurring
DVPC Household Member 39.95 19.95
Totals: $39.95 $19.95
PAYMENT INFORMATION
Billing Cycle: Monthly
Billing Day: 18th
1st Recurring Payment Due Date: 03/18/2007
Notice that it say "Recurring" more than once?
As another person stated, do not judge a company by one person's inability to read and comprehend an agreement. I would also like to mention that Ameriplan is still listed with "Dun & Bradstreet". And as others have said one must pay money to be a member of the BBB. Perhaps paying money to the BBB was no longer a necessary promotional venture. God Bless you all.
Jasmine
Port Hueneme,California,
U.S.A.
I'm sorry but you are incorrect...
#9UPDATE Employee
Wed, January 03, 2007
I'm sorry you went through that, but I'm also a broker with ameriplan and if you signed up yourself then they let you know in the terms and conditions that it is a recurring charge, starting the next month. If you were signed up by someone else than the broker should have told you and it says something about it in the confirmation email you receive. It seems that your problem stemmed from you not reading through everything like you should if you are planning on investing money. They also include how you can cancel and I've had a couple of people change their minds and I check with them and they had no problems. So please don't slam the company because you didn't do what you should have. This is a business opportunity not some get rich scheme and as with any business it takes investment!